BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by XXXX, Experian, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed. 
Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on XXXX report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2016 I used XXXX XXXX to refinance a house I owned. Through XXXX XXXX   process they ran my credit three times : 3x with XXXX/XXXX XXXX giving me three hard inquiries. They told me that was standard practice as they shopped my loan. This is wrong since I filled out one application. My credit score has dropped dramatically because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have spoken to equifax representatives 3 times over the past six months. I have not been able to access my consumer report in the last 6 months. I get a " contact customer support '' message when I try to log in through equifax online portal to view my consumer report. 
On calling equifax customer support on XX/XX/2022 I was told that the matter was escalated. I was told once it was fixed someone would contact me via email. I never received a response from Equifax with the matter being resolved. 
I called equifax again on XX/XX/2022 because I was still unable to login to their system to review my consumer report. I was told the matter was escalated to their I.T. department. I was instructed to wait 3 weeks for the matter to be resolved. 
On XXXX XXXX I spke with a representative and supervisor from equifax. I am still unable to access my consumer file which equifax has compiled and shares with other persons. I was told the matter would be escalated witrh the ticket number being # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX an order was placed online on my XXXX XXXX account for the amount of {$940.00}, which was not done by me. I called immediately to report this charge and spoke to the fraud department. I was told my card would be cancelled and I would be issued a new one, which was done. I was told that the charge would be removed during the investigation process. I received a letter from XXXX XXXX   asking for what happened along with a copy of my picture ID. I mailed that back. I called XXXX XXXX and my correspondence was received on XX/XX/XXXX. I started called XXXX XXXX in XXXX because the charge is still on my account and due to the charge my monthly payment is higher and the interest being charged is also higher. I have called numerous times trying to get this issue resolved because I shouldn't have to pay a higher monthly payment and higher interest rate for something that I did not purchase. I keep getting the same response that it is under investigation. I was told the second time I called that it takes 7 to 10 business day. I called today XX/XX/XXXX and was now told it can take 90 days. During this time I still have to pay for this fraudulent charge, which should not be the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: FinCo Services Inc DBA Current
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Current is an online banking platform and XXXX XXXX XXXX is the issuing bank. Going forward company is meaning Current and the issuing bank XXXX XXXX XXXX. 
Company repeatedly rejects checks from globally recognized financial institutions for no apparent reason. Upon contacting the company all i can be told is they can not accept the check. 
This company requires you to endorse the back of the check stating " for current deposit " or " for current mobile deposit ". 
When this company rejects a check for no apparent reason it can be frustrating because it is already endorsed to them and I have yet to find a different financial institution willing to accept the check. 
This has caused financial burdens due to the fact that I am unable to deposit a check, and sometimes have to pay a fee to get a new check issued. I have been told fees must be assessed because the issuing has to pay to cancel the first check. 
On top of this company repeatedly rejecting check for no apparent reason the also charge fees for services they advertise but do not provide. 

And no, the check are not NSF. Just the bank repeatedly rejects them after requiring an endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
These venmo people are ridiculous. So basically I got one payment last year from someone, then boom Im banned for so called violating something? No sort of violated occurred it was a {$20.00} payment and then boom I get an email Im banned well my account is frozen from even using the app, and I even tried to make another and I linked my card to that one, and that one became locked with {$200.00} dollars on it! I need both of my accounts unlocked! This is robbery without a gun basically and they want me to wait 180 days to get my money? And honestly its not even much about the money. Its how they locked me from using their app ever again! Violated terms of service how? No sort of customer service or ANYTHING. I provided my ID, I provided the info they asked to unlock and nope no help or anything. This is absolutely disgusting and absurd. I actually thought venmo was a really good app to use instead of unsecured payment apps like cashapp etc, but no they seem really sketchy for doing this to me. I would like my accounts back. Or at least of of them since I didnt violate any rules in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I sent in a letter to my credit card company- Barclays Bank , to file a dispute against the merchant XXXX XXXX XXXX , for the transactions amounting to {$1000.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. This was for 24 personal training sessions that I had paid for in advance in two installments, which would total to {$1500.00}. Due to Covid-19, the gym shut down in late XXXX and has since permanently closed down. I tried to get in contact with both the local gym as well as the main corporation on multiple occasions for a refund via telephone, online forums and email. This was to no avail since they had no live representatives on the phone and other options to contact them just didnt work out. Due to that, I decided to file the dispute with Barclays Bank. 

After mailing my letter in on XX/XX/XXXX and not hearing a response back from Barclays in XXXX, I decided to contact them via telephone. I spoke to two different representatives who had informed me that the case was closed due to having inadequate information since they couldnt get in contact with the gym ( for obvious reasons since the gym was closed ). I never received a letter stating that the case was closed- so I was not very pleased. Both representatives recommended that I send in a fax with more information about the last dates of me attempting to contact the merchant and they said that sending in that letter would reopen my case. I did so one day later and sent the fax on XX/XX/XXXX. 

I received a letter back from Barclays dated XX/XX/XXXX stating that they could not give me a credit for my dispute since they are outside of the permitted timeframe to help with the claim. 

After over three months of going back and forth with Barclays, this was extremely upsetting and not the response that I had expected. I sent in my original dispute in XXXX, had them close the case without informing me that they needed more information, then I speak to representatives who had me send in another fax stating the last date I contacted the gym.. all for them to say they are outside of the permitted timeframe to help me obtain a credit? Absolutely absurd! Why waste my time to send in another fax then? This just shows laziness and unwillingness of Barclays representatives to actually help their customers. The gym has closed! It is all over their website and not even Barclays could get in contact with them.. So why is it so hard for me to receive a credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: The CBE Group, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY PROBLEM IS WITH XXXX CREDIT REPORTING. I PLACED A FRAUD ALERT ON MY ACCOUNT DUE TO A LONG JOURNEY OF INCORRECT INFORMATION REPORTING ON MY CREDIT FILE SO I PURCHASED XXXX  'S CREDIT MONITORING MEMBERSHIP AND PLACED A FRAUD ALERT ON MY CREDIT FILE AND TODAY I NOTICED AN ACCOUNT BEING LISTED ON MY CREDIT FILE AS OF XX/XX/XXXX OF AN COLLECTION ACCOUNT SHOWING FRAUDULENT/INACCURATELY OPENED ON XX/XX/XXXX. THIS ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know this credit collector XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2018 {$690.00} Collection. Now my credit is down because of this. I never go somewhere else only my Doctor I always see from XXXX XXXX in XXXX MA. I was XXXX from XX/XX/2018 to XX/XX/2018 I had XXXX as my insurance I dont know why they put my name in credit collection. Please help me I dont know this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Account XXXX XXXX acct # XXXX in the amount of XXXX this account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received letters from following banks denying me a credit card application. I never applied for these credit cards. I have contacted the banks to inform them and file a fraud report. The banks stated they will contact the Credit Bureau. I also filed contact XXXX, XXXX, and XXXX so it does not negatively impact my credit score and to place a Fraud Alert. 

XX/XX/23 - Comenity Capital Bank for A Zales Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal on XX/XX/2018 to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX, Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer '' ( End of quotation ) PS : I want to login back to my paypal account to do by myself my withdrawing by LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I can not login to my paypal account. I lost My phone so I can not use the authenticator app for 2 step verification. Also, my phone number has changed. The only 2 options for 2 step verification in paypal are text to phone number and authenticator app, so my paypal is now useless to me. When I Call Customer service, I wait for hours for a callback which never comes. I need a manager to call me and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was getting a offer in my XXXX  account - promotions to open a bank of america checking account. I followed that link which has a promotion of {$100.00} to open a bank of america checking account. 
I filled up the application and provided all the information. 
But Bank of America declined my application and my account is not opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation