BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been locked out of my checking account with current online mobile bank. At the time of locking me out of my account the remaining balance was and should still be {$3200.00}, as I have yet to get access to my account or funds. The date of all this began on or around XX/XX/2020 and is still currently an issue of which has not been resolved. After many different approaches to actually discussing the issues at hand with an actual being or representative other than via email, which I've recently been requesting phone number update on my account. No reply from current or their service support techs. These issues have been going on now for almost 2 years and it's been long overdue.Not mentioned the huge inconveniences this has caused in my life. I've provided all the needed supporting documentation regarding my deposits made in my account being in my name of which I still have all the emails from current and myself as well as the attachments verifying everything of which was what that's going on in my. Still current has done nothing more than exactly what it seems, keeping my money from me. I feel like I've been robbed of my funds, locked from getting access to my account. By far is this in any way acceptable to be taken for all you have like that's absurd and feel like there is something that can be done and a lawsuit or sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Certegy Holdings, LLC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have diligently attempted to contact the company on no fewer than 25 occasions over recent months. Unfortunately, my efforts to cash checks are continuously thwarted due to my identification being erroneously flagged as fraudulent. My current state of homelessness presents additional challenges, notably the difficulty in maintaining a consistent mailing address to receive correspondence. The absence of live telephone support and the company 's lack of response to faxed inquiries further complicate the matter. Moreover, I have persistently reached out through numerous written communications, yet to no avail. 

Alarmingly, it has come to my attention that multiple organizations have wrongly blacklisted me within a system that advises against providing me with any form of assistance. This constitutes not only a fraudulent misrepresentation of my identity but also bears the hallmarks of inaccurate reporting and discrimination. Despite my proactive and exhaustive endeavors to rectify the situation by all available means, the company remains uncooperative in addressing and resolving these critical issues. 

I have been denied of housing, check cashing, employment, etc sue to this false reporting and no response.

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 2022-01-30
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: MO
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 originially filed a complaint with you al regarding Experian not properly veriying a bankruptcy they are reporting on my credit profile. In their original response to me they stated that the company used to verify the information reported it as accurate. THis reple was sent to you XX/XX/21. They also stated that if there was any new information that would look at the bankruptcy again. On their website and in the letter I received they stated that they verify bankrupty information with XXXX XXXX. I filed a compaint with you all against XXXX XXXX for not providing how they verified the bankruptcy they were reporting to you. On XX/XX/21 XXXX XXXX replied to the complaint with the attached letter stating that they have deleted this bankruptcy from my profile with them as of XX/XX/21. Since they did that prior to Exeperian saying that they verified it as accurate, Experian either lied or did not verify properly. As a result, I sent Experian a copy of the letter from XXXX XXXX stating that they are not reporting this bankrupcyt and asked Experian to delete it, and also filed another complaint with you. In their reply to you, they stated that they are still working on a reply and will reply within 60 days. 

Today XX/XX/21, Experian sent me a reply again saying that they verified the information as accurate with the data furnisher, again they did not include the name of the data furnisher, so I assume based on their website they are saying that it was reported to them by XXXX XXXX, however I recieved an updated copy of my report with XXXX XXXX, and just like the letter stated, the bankruptcy is no longer being reported by them. I have also attached to this letter a copy of the letter I sent to Experian XX/XX/21, from the court stating that they also did not provide this information to them. So if XXXX XXXX is no longet reporting this information to them, and the court does not provide any information to any CRA, where is Experian gettting this information from, and why arent they deleting this since it is very clear they are unable to verify its accuracy Attached is a letter I sent to Experian on XX/XX/21 from the bankruptcy court stating that they do not provide any information to the CRAS. A copy of the letter from XXXX XXXX that the bankrupcty has been deleted from their records, a copy of the page in my XXXX XXXX report showing that this has been deleted, and both responses from Experian stating the bankruptcy was verified after XX/XX/21 when XXXX XXXX states it has been deleted.

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 2023-11-25
Company: CORELOGIC INC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
COMPANIES tried to run my credit with out my authorization please remove inquiries

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. You are also reporting the date last active was XX/XX/2023 when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company as well as the collection agency knows this and that is why you illegally updated the date last active. I dispute your claim and I requested validation from XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) and received nothing. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-06-06
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Eagle Accounts Group, Inc.
State: MO
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 filed a complaint on XX/XX/XXXX. The following is a copy of a portion of their response in relation to this issue. The information continues to be reported on my credit report. This has caused me personal issues as it relates to my overall credit score. 

" XXXX XXXX XXXX XXXX XXXX, did request a deletion of the item from XXXX XXXX credit report. I contacted XXXX before writing this response and XXXX verified that the account is no longer reporting to XXXX XXXX 's credit. We advised her on XX/XX/XXXX that we were requesting deletion from credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-12-31
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled with PayPal for my credit card in XX/XX/XXXX. The agreement was that I paid a total of {$1200.00} with 6 payments of {$200.00}. I completed all 6 payments of {$200.00} totaling in the settlement amount of {$1200.00}. They have been billing me since for the remaining portion of the credit card which is {$1200.00} that would have been remaining. They are adding late fees and interest to this account, when it was settled and should have been closed as of XX/XX/XXXX. I have made calls monthly to PayPal and when I do they transfer me to many different departments and it always ends in we cant help you. We have also sent several letters with attached letter of settlement and proofs of payments with no response back from PayPal.

I have the settlement agreement offer along with proof of all 6 payments have been made. This account is impacting my credit as its showing that Im delinquent. PayPal will not resolve this personally so I found it best to report in hopes of saving my credit. 
Thank you XXXX 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 explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Citibank scheduled a closing for XX/XX/XXXX for the purchase of a second home ( loan number ending XXXX ). All necessary parties were at the office waiting for Citibank but they were unable to fund and the closing had to be adjourned and rescheduled for XX/XX/XXXX. I was charged additional fees from seller 's attorney, my attorney, as well as the title company for the lost time because of the failed closing. I filed a complaint with Citibank and after much prodding a manager finally called me to apologize and to let me know that Citibank will provide monetary compensation for the snafu. I received a credit on my credit card for {$780.00} on XX/XX/XXXX and assumed that was the monetary compensation they spoke of. I emailed the manager who called me on XX/XX/XXXX to alert him that the refunded amount did not equate to the additional charges I was assessed. Additionally, I had a refi application ( loan XXXX ) for my primary residence from XX/XX/XXXX that is still pending. He responded on XX/XX/XXXX that he has put a rush on my refi application and that he will look into the credit for loan XXXX. 

After weeks of waiting and not getting a response regarding my refi application, I filed a complaint with CFPB. In Citibank 's response to my complaint XXXX, they claimed that my loan was cancelled due to missing paperwork and that the application fee of {$780.00} was refunded in XXXX. This is when I realized that Citibank never kept their promise regarding the reimbursement of fees for the loan associated with the purchase of my secondary home ( XXXX ) and are now lying about the refi to cover up their mishandling of my application. 

Citibank claims my refi application ( XXXX ) was withdrawn in XX/XX/XXXX due to missing paperwork and a new application ( XXXX ) was resubmitted on XX/XX/XXXX. In my conversations with Citibank at the time, they told me that the loan was resubmitted because they were migrating to a new platform and that I do not need to worry because I will not lose my place in the queue. They also claim that my application XXXX was cancelled due to missing documentation. The last correspondence I received from their loan processor was on XX/XX/XXXX confirming receipt of the insurance information they requested. I continued to follow-up with Citibank for a loan status and In no point in time did Citibank notify me that any documents were missing or that my loan was cancelled. I had to learn of this on XX/XX/XXXX through their response to my CFPB complaint that my loan application was cancelled on 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 monetary relief
Consumer complaint received 2023-04-09
Company: SYNCHRONY FINANCIAL
State: FL
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:
Original complaint XXXX This is stil a hard inquiry on my credit report and the Company agreed to take it off.

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 2022-01-04
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal withdrew and kept my complete funds of {$830.00} on XX/XX/XXXX The last day I was able to use my PayPal account was XX/XX/XXXX. Due to them locking me out of my account. 

When I called PayPal and spoke to a representative they said that the PayPal team determined I was using my account for gambling and there was no way of me disputing it because the PayPal team made their decision. 
The rep went on to say that I would receive a email in 6 months letting me know when I would have access to my account. 
They claim that they needed to put my account on hold to make sure any transactions I had made would be processed. 
I would periodically check my account to see if I had access again I did this at least once a month between XXXX and XXXX of XXXX. 
I noticed a few days after XX/XX/XXXX that PayPal had withdrew my complete funds of {$830.00} and transferred my funds to themselves ( paypal ) Below is the letter I wrote to the president of PayPal but I never received a response XX/XX/XXXX XXXX XXXX, I am writing regarding a PayPal transaction on my account dated XXXX, where your company transferred my funds, in the amount of {$830.00}, as payment to PayPal citing an acceptable use violation. Your company has made a claim against that those funds were obtained through gambling and they absolutely were not. I was originally told that the funds would be held for 6 months and then released to me and then noticed that this had occurred instead. I never agreed to PayPal taking my money. This is extremely devastating because although it may not be much to you, this is A LOT of money for me and I need it back immediately. Please consider this my formal demand letter. If the money is not returned within one week from todays date, I will be reporting this matter along with a formal complaint to the State of Alaska, Division of Banking & Securities and any other entities necessary. 

I would appreciate immediate attention to this matter. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a federally protected consumer and I am aware this company is in violation of my rights please review the complaint attached.

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 2023-07-04
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Financial Credit Network 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: Account status incorrect

Complaint:
In XX/XX/2021 I reached out via letter to XXXX XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update.

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