BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
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: Personal information incorrect

Complaint:
We were denied an important XXXX bond because of all the errors on our XXXX Business Report. We have since been denied multiple credit cards and vender agreements. I submitted XXXX disputes at this point. XXXX has been corrected after 5 months, only to be incorrect yet again 1 month later. Our company name is XXXX XXXX XXXX XXXX. 

Errors on Report- XXXXBusiness secondary address XXXX. Show our business as a full-service restaurant, which we are not and have never been ( corrected ) Now it states we are a Equipment rental facility & Commercial And Industrial Machinery And Equipment Rental. Our SIC codes are changed and new ones are added constantly this is the XXXX changes this past year. We are a construction excavating company XXXX. Showing XXXX open liens that have been closed for over a year, i submitted court documents showing the leins are satisfied and they refused to remove them XXXX. XXXX Credit Cards with high balances when we have only EVER had XXXX cards. I disputed this they refused to remove it or give me more information We only get denied if the company uses experion to check our credit, and it is seriously impacting our busines. I have Lein Satisfaction letters, old credit reports and all previous disputes.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX :XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-06-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. All I do with my personal account is buying. There is no selling and I pay all of my bills on time. Now all my credit cards are declined from the paypal system for no apparent reason and explanation. I have couple paypal accounts. They were limited but now they have already been restored after I uploaded my documents. This is the account that is in ban under my infos which I believe is the cause why I am unable to use paypal services via my cards even after my limitation has been restored. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''. 

Wanted solution : Reinstate my account and uplift ban and declines for my credit cards. 
XXXX Credit XXXX Credit XXXX XXXX XXXX Credit XXXX Credit All these cards belong to me and my mom. None of them is stolen cards, and I have not had a single payment that's not paid off. I don't owe paypal any money nor would I have any chance to owe them any money because I am not a seller and I am not using their business account functions. I don't understand why paypal bans me from using my credit card when it isn't even a banking system. I am just trying to purchase as a consumer and I pay all my bills on time with absolutely no delay yet paypal bans me for no reasons and explaination. And I can't use my CC now on its platform no matter how many new paypal account I have recently made. I feel mistreated for being seen by this company as scam, dishonest, or high risk users. I don't know why they ban me. They never explain nor could their customer service team help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Account status incorrect

Complaint:
collection still remaing on credit reports..XXXX XXXX explained they sent the removal letter to all XXXX credit beareus.experian still has it remaining 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 2020-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
U S DEPT OF EDXXXX continues to update CRAs with information not on MPN and doesn't reflect school dates.

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 2022-02-16
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:
I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX have looked over all three of my credit reports and noticed I have a few Fruad accounts and inquiries on all three of my credit report 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 2023-12-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-26
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2021, I made what I thought was a legitimate purchase of an electric bike. However, after not receiving it, I contacted my local branch of Citibank and an investigation was begun ( I was told ). 

Since that time, I have been asked 6, ( YES, 6 ) time to submit the same information to Citibank and still have not received my funds. 

The charge of the bike was {$99.00} and {$12.00}. XXXX XXXX XXXX XXXX, plus {$2.00} insurance. 

The original company I thought I was buying it from, Wayfair, informed me after I contacted them that the site which sold me the bike was fraudulent and not a Wayfair site. Further, speaking to the local post office, I was informed that the 'alleged delivered " package weighed only 7 oz. 

I wish to file a complain on Citibank as I have been getting the runaround for 1 and 1/2 years now. I spoke to a representative who informed me the complaint was closed. I was never informed of it being closed, nor have I gotten my rightful refund in the amount of {$110.00}. 

How, I'm wondering, can a customer file a complaint, it be closed and the customer not be informed of the result of the investigation? As far as I knew, Citibank said they'd investigate. Apparently, someone dropped the ball here. 

I want to have them return what is rightfully mine, the money. 

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 monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Credit got worse had people names pop up on bank accounts denied credit in trouble with irs credit is messed up cant do nothing and XXXX  and a vulnerable adult with a 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 2021-06-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: KY
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 am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' Equifax Credit Information Services , Inc. has also violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher ; '' This organization has received my letters requesting that they validate debts that are in question on my credit report. They responded and stated that those debts are accurate information. I disagree completely. None of the debts listed are accurate. I have also exercised my right to request their methods of verification just as the law states and they have continued to violate the law by not providing their methods of verification information within the allowed time frame. 

Copies of correspondence between myself and Equifax, and certified mail time stamps are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Shellpoint Partners, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Benuck & Rainey, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please inform this collection company to immediately cease contacting me at the number listed in this complaint for an alleged debt that they paid pennies for, also, the company makes repeated phone calls for an alleged debt without sending written notification. Additionally, the alleged debt is well past the Statute of Limitations for any further action on. Therefore, this company should not be passing on this debt to another sham collection outfit in an attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sam club is inaccurately furnishing information to XXXX and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX  of this title for failure to comply with a provision of this subchapter.

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 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received statement from XXXXXXXX XXXX  indicating someone was trying to purchase an item for XXXX, not authorized. So I called XXXX and was told to call customer service number on the back of my card and asked for the fraud dept. I was connected to a person XXXX XXXX in the fraud dept., he said someone was trying to get money out of my saving acc. and we have to take the money out so they can't get it. So he advised a money transfer of XXXX to a company called XXXX XXXX XXXX in XXXX, NY so my bank did a transfer to that company. The man called XXXX XXXX from XXXX XXXX fraud dept. said he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire recall to stop the transaction. The bank said it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-04-20
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account online with Navy Federal Credit Union on XX/XX/XXXX. I received the routing number and account number and I transferred {$50.00} from another online account to them, and changed my direct deposits to my new account. The following day I received an email requiring my I.D . and proof of address be uploaded via a link, which I did. I received a confirmation email stating my account would be verified with 5 days. I have tried repeatedly and to every management level with multiple calls to their " Security '' department to get the status of when my account will be unlocked. I'm told 3 to 5 days, yet today, XX/XX/XXXX, is 8 banking days, and there is ANOTHER message today telling me 3 to 5 days. They refused to close the " account '' which I can not access online, or add to any financial service using the routing number or the inactive debit card number, stating this security lock! There is NO corporate number for NFCU aside from the main number, and there are NO numbers to call the local branches. The only option was to contact the transferring entity and dispute that {$50.00} XXXX which completed on XX/XX/XXXX. I want my money returned and will not do business with NFCU which is the absolute worst financial institution I have ever had the misfortune of opening an account with!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account " XXXX XXXX XXXX : Account # XXXX ''. XXXX  then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was " verified correctly '' but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.

There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries. 

*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account " XXXX XXXX XXXX : Account # XXXX '', this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached. 

Thanks.

Company response to consumer: Closed with explanation