BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-10-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting to the 3 credit bureaus that I have a public record. I have no knowledge of this public record. I have disputed this debt with XXXX and the 3 credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting this account accurately. What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify it? Please provide me with the name of that individual, their company title, and the telephone number as well as copies of the documents that they used to verify that this disputed item is being reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and noticed two accounts from Capio Partners, one for {$300.00} and one for {$5800.00}. I can not pay either debt but would like to settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal XXXX XXXX, I am writing to you with regards to the recent blocking and limitation imposed on my newly created PayPal account. I am reaching out to address this matter and provide additional information to help clarify any concerns or misunderstandings that may have led to the action taken. 

Firstly, I want to emphasize that I am a new user on the PayPal platform and have not yet had the opportunity to engage in any transactions or activities that would violate PayPal 's terms and policies. As a newcomer, I am committed to using the platform responsibly and abiding by all the rules and regulations set forth by PayPal. 

I kindly request a thorough review of my account to understand the specific reasons behind the block and limitation. It is crucial for me to gain insight into any potential issues in order to rectify them promptly. I am willing to cooperate fully and provide any necessary information or documentation to verify my identity and resolve this matter as swiftly as possible. 

Furthermore, I would like to assure you of the utmost importance I place on security and compliance. I understand that PayPal has implemented robust measures to protect its users, and I appreciate the efforts made to maintain a safe environment for all transactions. I am fully committed to adhering to PayPal 's policies and guidelines and aim to build a trustworthy and long-lasting relationship with your platform. 

Please use my registered email address associated with the blocked account, XXXX, as the primary means of communication for any updates or further instructions regarding this appeal. 

Thank you for your attention to this matter. I sincerely hope for a fair assessment of my account and a swift resolution to the current situation. Should you require any additional information or have any questions, please do not hesitate to contact me. 

I appreciate your time and assistance in this matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX XXXX XXXX -- -> {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX deposited XXXX checks from a settlement {$4100.00} & {$2700.00} Next day they put my account on hold. Saying i will be receiving a letting the mail for the funds. When i deposit the funds it told me it will be available next day but i woke up to a locked account. Debt card off & online access cut off. 
When i got the letter it told me my funds will be available on XX/XX/XXXX. On XX/XX/XXXX i called it they sent my account to review ( it's no way to to contact the back office they only email them ). They said i should be getting another letter in the mail. I got the XXXX letter and it told me my money won't be released until XX/XX/XXXX. Due to they think it's a fraudulent check. I went to the branch to provide the settlement documents & proof of the checks. They said it's nothing they can do because back office locked the access to the account. I spoke to XXXX person they told me best option was to speak to my lawyer to have them stop payment the checks and reissue a new one. When i contacted my lawyer to contact the people I sued the other party stated the funds have been already cleared out their account it's my bank that's not wanting to clear the money. When i called back the XXXX told me they think the money is going to bounce back that's why they didn't release your money although it cleared. It's been a month. I even try to set up a conference call with my lawyer their lawyer and the other party so they can clear my checks they said they will not speak to nobody that i have to wait until they feel like reaching out again. The checks have now been cleared from XX/XX/XXXX with the proof attached from the other party showing the checks cleared on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold my home on XX/XX/2018. My wife inadvertently provided her personal credit card for the wire transfer, and approximately {$330000.00} was transferred to that account. We immediately contacted Bank of America to begin transferring those funds to our personal checking account, and we were told the process would take 2-7 business days because of " the large amount '' of the funds and because we needed a check for money laundering. 

We called back after 7 business days had passed and were told that it was actually going to be up to 12-17 business days. After asking whether Bank of America had performed all the checks they needed to perform already, we were told that yes, they had been. I explained that I was confused why in that case my money was being held hostage by the bank without interest, which seemed to be a violation of federal bank regulations. I was not given a reasonable response to why the funds were being held ; both the associate with whom I was speaking and her supervisor appeared sympathetic, similarly confused, but unable to help. 

At this point it appears to me that the bank is holding a significant amount of my cash hostage without reason other than profiting from the interest on it without any compensation to me. While this is a few hundred dollars of interest lost to me, across many this could add up to a substantial sum. I believe this is worth probing further.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it 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 2023-05-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX  Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX Account Number : XXXX or XXXX, the payment history is wrong! XXXX and Equifax are showing 2 different payment histories. XXXX is missing last activity information. HOW MANY TIMES DO I HAVE TO KEEP DISPUTING THIS??? IT IS OBVIOUS THAT THE CREDITOR IS SENDING FALSE INFORMATION AND YOU ARE REPORTING IT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 contacted XXXX and provided to them all of the proof that these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: A & O Recovery Solutions, LLC
State: NY
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 contacted XXXX  and provided to them all of the proof that these accounts are not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-25
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI. CONVERGENT OUTSOURCING XXXX ; I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ... Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: EQUIFAX, INC.
State: CA
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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquires 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 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 2023-07-17
Company: FinCo Services Inc DBA Current
State: NJ
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 was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can. 
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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the fair credit reporting act i believe XX/XX/XXXX associates account XXXX, XXXX, XXXX and other accounts from them have violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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