BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} : 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 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 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 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 2021-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.

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 2021-10-08
Company: Experian Information Solutions 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 have been disputing this account for some time now with the credit bureaus. They were reporting that I have a charge-off and late payments on a XXXX XXXX account . I find it crazy that XXXX and XXXX has corrected this inaccurate account on my credit reports but Experian continues to report on this account and I can't understand why. How are they getting their information? If the other two credit bureaus both have removed this inaccurate account from my reports how is Experian still reporting on this account? I have reached out to them to make them aware of that situation that the other two credit bureaus have corrected this account that they are still reporting but they fail to acknowledge me and continue to ignore this problem. I am more than sure that what they are doing is illegal and I am sure there is a law that proves the credit bureaus can not report inaccurate information on someone's credit reports.

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 2023-04-14
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-02-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In a previous purchase dispute and subsequent complaint against PayPal, PayPal stated that I was at fault because I had not 'escalated ' the issue. I looked back at the emails I received from PayPal and realized that a lot of confusion is mostly likely created on purpose. First, I was dealing with 'Office of Executire Escalations ' and my agents title states, 'PayPal Executive Escalations '. I think common sense would dictate that the issue had been escalated. Now I want to be clear, this complaint is ONLY about their 'escalation ' requirement, processes, and communications ' as I believe it is all very intentional to not be clear about this process. In an email dated XXXX which was the warning that case would be closed they state that, 'if you escalate ... ' but yet I believed that it's already 'escalated ' based on what I already stated, it does not state that it is not escalated or how to escalate the matter. Also, why when you file a dispute is there this step to then 'escalate '???? That's the big question and again, it's to create more hurdles for consumers, to create confusion... This matter was very straightforward and in the end PayPal tried to make it appear they took high road and returned the money but the money should have been returned, I returned the product, I sent PayPal tracking info... all I didn't do due to the confusion and extra hoops was their whole escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Best Buy / CitiBank failed to give notice that they had charged an inactive credit card and have charged me exorbitant late fees - Their records indicate that my name is associated with three different account numbers - An inactive card was charged - Company failed, after numerous calls, to locate debt - NOTE : that 2 offices of Best Buy credit services and Citibank NA Recovery department are involved 1. Purchased item at store for less than {$200.00} with credit card ( late XXXX XXXX ) 2. Received notice from XXXX XXXX ( XXXX ) that Best Buy card was more than 30 days late and that my credit score was down 3. Called Best Buy customer service at least 4 times ( XXXX ) and they verified credit card was up-to-date no late payments and sent me letter verifying that 4. Subsequently received letter from another Best Buy office that charge / late fees were valid 5. Called Best Buy customer service again. Gave them card number that was on second letter, which was different than card I use ending to make original purchase. Rep said this account was the same card, but then transferred me to manager 6. Manager claims store associate charged a card from 8 years ago 7. Never received a bill, email, or collection call for this charge. When my Best Buy bill is due, I get an email alert and pay with autopay on time every month 8. Cards were linked I received an email asking me to review all the current products I had purchased at Best Buy, including the most recent purchase, allegedly on another card. Best Buy could have reached me before charging late fees and contacting credit bureau 9. When I did finally get a bill in XXXX, with an altogether different account number, late fees had already been added totaling more than {$100.00} 10. When I tried to reach Best Buy again with this account number, they had moved the account to the Recovery department 11. Called Recovery department. Reps were totally uncooperative. I filed a dispute with them, which was never considered or even looked at 12. Received a bogus letter from Recovery department that said they needed more information. When I called back, Rep said that was an auto-generated letter and that they did not need more information just wanted to let me know they would not reverse any of the fees 13. I have received another bogus letter that my enrollment in an Enhanced Debt Protection program was canceled and that I should call them. I was never enrolled in such a program 14. I now owe more than {$600.00} for a purchase that was less than {$200.00} and my credit is ruined 15. Please help 16. I can supply documentation for any of the above claims

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 2019-12-01
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive the appropriate information about the debt the amount is more than what's owe and also the original creditor and the person it was sold to are both reporting which is a violation XXXX has XXXX XXXX and XXXX has Vance and Huffman llc amount of XXXX dates reporting XX/XX/2018 for XXXX and XX/XX/2018 for XXXX  there are many inconsistencies for these two and I've tried to get it resolved with no luck these two should be deleted for the fact things aren't adding up and also inconsistencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MI
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 validity and accuracy of a collection account reported by XXXX XXXX XXXX on my credit report. I have noticed that this collection account is associated with my name, but I have valid reasons to believe that it is inaccurate and does not correspond to any debts or obligations that I am responsible for. Upon reviewing my credit report, I found the presence of this collection account, despite having no knowledge or records of any outstanding debt owed to the creditor listed. This discrepancy is deeply concerning as it could have negative implications for my financial well-being and creditworthiness. I am formally requesting that XXXX XXXX XXXX conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of documentation and evidence substantiating the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other pertinent information. It is my expectation that this matter will be approached diligently and impartially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: National Credit Adjusters, LLC
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:
On XX/XX/2023, I sent NATIONAL CREDIT ADJUSTERS LLC A CEASE AND DESIST LETTER regarding two accounts. To date, the company is still reporting this account as open and in collections to the credit bureaus, please see attached documents..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XX/XX/XXXX, postmarked XX/XX/XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, State Bar of Texas as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have several inquiries reflecting my TransUnion credit report ( XXXX Bank : Date:XX/XX/XXXX, XXXX XXXX XXXX : Date:XXXX, XXXX : XXXX, XXXX DBA XXXX : Date:XX/XX/XXXX, XXXX : DateXXXX, XX/XX/XXXX : Date:02/24/2021 and XX/XX/XXXX : Date:XXXX ) none of which I authorized or applied for. I contacted TransUnion via phone call XX/XX/2021 and I was told to send in certain documentation. Which I did, only to keep getting told it has not been received. Also during that phone call I informed them that I have previously been a victim of identity theft and credit was still trying to be use unauthorized. I filed a report with the FTC about these inquiries as I was advised by TransUnion but since then I had two more inquiries impact 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 2023-03-01
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
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 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 2021-10-08
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:
I have been disputing a few accounts on my credit reports for some time now with XXXX, XXXX and Equifax. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and XXXX and Equifax has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and XXXX are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and Equifax removed and corrected this issue but XXXX and XXXX has not. Again, how are they able to report inaccurate information? If Equifax found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: MA
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 natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, experian written permission to furnish these accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-30
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have spent 12+ months do not have dates or times except XXXX thru XXXX Citi bank allowed a XXXX fraudulent withdrawl to come out of my bank account. I reported the fraud to my bank Citi. I have filed complaints and tried at least 22 times to get an answer from Citi on where we are in the investigation what can be done to make sure my account is in good standing. Because someone has gotten in my account they will not talk to me stating that my security words are wrong and that my information does not match. So no one will speak to me. I have tried to get my info to be honest I am at a loss why a bank would not file a fraud form and make sure my account did not close or protect their customers from having a closed account I will never know. I also requested they file a fraud form due to the fraud on my account. They hung up on me. 
I have been trying to resolve this issue and then the bank reported with an amount which was the amount frauded from my account on XXXX. So now I can't even go with another financial institue. What can be done please help.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-06-27
Company: WELLS FARGO & COMPANY
State: IN
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:
I purchased tracking lights on XX/XX/XXXX from XXXX in the amounts of {$580.00}. It said delivered, but when I checked it never here at my house, never in front of my door or unit. I live on the XXXX XXXX  of the apartment. And there are so many apartment buildings. Proof of delivery did not show the door or Unit number of my apartment. No one sign for the delivery.

Then the banker ( lady ) from Wellsfago called me and said : I see the letter XXXX  on your door in the picture online and it matches the address, only one XXXX for the XXXX building, need to report to the police, you need to call and resolve with the carrier ( XXXX ), I cant do anything or help you. I told her that I already contacted XXXX and XXXX said to contact XXXX, then XXXX said to contact the merchant or my bank institutions. Now my bank ( Wellsfargo ) told me to contact XXXX or police. Once again, I never received anything and it never arrived at my apartments door.

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