BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: MS
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 XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXX XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Paramount Recovery Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have/ had insurance during the time of the medical visit. I uploaded the documents from my insurance company and the previous debt collection company removed the collection from my credit report. A new debt collection company has resubmitted the collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXXs XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
IMPROPER USE OF MY CREDIT REPORT XXXX  XXXX  XXXX  IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX  XXXX  AT ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF REPORT ASAP.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NC
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Convergent Resources, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM THIS MAY CONCERN I SEE WHERE MY PERSONAL INFORMATION WAS USE FOR CREDIT AND CAR LOAN THAT I DID NOT DO I HAVE PROOF I WAS LOCK UP AND MY IDENTITY WAS STOLEN.

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 2021-08-18
Company: EQUIFAX, INC.
State: NJ
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 have never conducted business with XXXX XXXX XXXX. They are reporting to all 3 Bureaus negative and inaccurate information. I do not have a contract with XXXX XXXX XXXX. They are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: BARCLAYS BANK DELAWARE
State: MN
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:
Back in XXXX my wallet was lost/stolen along with my cell phone. I was able to recover my cell phone, however wallet was never recovered. I contacted all of the credit cards that were missing once I realized my wallet was lost/stolen. I had several XXXX in charges across a couple of my credit cards which were resolved promptly and received my money back. Barclay 's ( Old Navy ) credit card has sided with the merchant stating the transactions were valid and authorized which the were not. There were 3 transactions that were charged on my account between XXXX XXXX XXXX and were all done at XXXX XXXX . I have contact Barclay 's on several occasions and everytime I called they added more items to a list of items needing to be provided to them. I filed a police report, gave a written statement and also provided a letter Barclay 's sent back on XX/XX/22 stating my case was resolved in my favor. I was later told this was sent in error. Barclay 's fraud team has been extremely unhelpful and does not have clarity in their process and now are requiring me to pay over {$2000.00} of unauthorized charges.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: AL
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, the list of accounts below has violated my federally protected. Consumer rights to privacy and confidentiality under 15 USC, 1681. 


Company : name XXXX : act # XXXX XXXX  XXXX : act # XXXX XXXX XXXX : act # XXXX XXXX XXXX XXXX : act # XXXX XXXX XXXX : act # XXXX 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 a 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 explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Reference number XXXX I respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I feel a bit victimized and angry, and a bit like PayPal was pushing me around and doing whatever they wanted with my balance Pay Pal has previously requested for various forms of documents to prove I am a legitimate business in order to release my funds which I complied, to no avail. I understand PayPals need for holding funds for credit card charge back purposes, however a review of my account history will reveal a very low charge back rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an  unnecessary abuse of power. 

All of my customers have all received FULL refunds because pay pal consistently hold my funds which causes delays in my customers funds and products. I Spent countless hours to gain the trust of customers and in the end had to start over again from the point 0. There will be NO Charge back as all of my customers have been all been refunded. I feel that this was a fair resolution while still preventing PayPal acquiring any future charge backs or credit card disputes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX - Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account ending in # XXXX XXXX XXXX Account ending in # XXXX XXXX XXXX, - Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019 I came to the branch of Citibank in XXXX, IL with my husband XXXX XXXX to open an account in the offer sent to me by email ( attached ). After waiting with my husband for over 30 min I was greeted by the banker XXXX XXXX at the branch. Mr XXXX proceeded to confirm that I was sent the offer as it was sent in referring to my card # XXXX and then he was able to locate it in the database. However Mr XXXX refused to open an account stating that the bank already operates on next business day, the XX/XX/XXXX schedule thus the offer is no longer valid ( the offer expiry is XX/XX/2019 ). Subsequently he wanted me to get a different offer with smaller amount of benefits which I refused. When my husband insisted that the offer was valid according to the terms and conditions attached to it the branch manager XXXX XXXX got involved with the issue. Since we didn't have to copy of the offer with us Mr XXXX insisted that the offer didn't exist. 
We left the branch. 
Since the offer was extended to me, I applied on this online the offer was stopped stating that I have to visit a branch since I am not a US citizen ( I am a citizen of XXXX and legal US XXXX ). It appears that the bank doesn't make a distinction between US XXXX and US XXXX and puts all XXXX XXXX into the same bag while using discriminatory practices resulting in denial to open an account and steer them into other products, a classic definition of red lining. I have several questions to Citibank : 1 ) Do the personal bankers in branches have a different commission structures depending on the items they are selling? 
2 ) If yes what is it? 
3 ) Why the personal banker would find the product and then the branch manager would deny the product exist? 
4 ) Is the Citibank 's strategy to direct different products to different national or race groups ( as my case clearly shows ) and what are the benchmarks used to achieve that? 
5 ) Why the Citibank 's application process doesn't make a distinction between US legal XXXX and none XXXX that are not while treating all foreigners alike? 
6 ) If the certain products are clearly designed to serve US XXXX only, why this distinction not made on its online application process instead of directing the applicants to the branches to be offered different products? 
7 ) Since the offer extended to me is clearly indicated as XX/XX/2019 calendar date, are there a two sets of benchmarks that the Citibank is using ( one for external consumption and one for internal ) thus giving the bank a defacto excuse not to honor the offers?

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, my credit score as reported by XXXXXXXX  on behalf of Transunion was XXXX. Today, my Transunion score dropped by 108 points to XXXX. The only reported change to my credit report was that a hard inquiry from two years ago had dropped off. There is no further explanation for the drop and hard inquiries being removed SHOULD reflect positively on the report. Transunion lacks transparency when reporting scores and with an over 100 point drop over night, you would assume they would provide explanation as to why the change occurred ... however, silence on Transunion 's end.

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One is reporting a business credit card account on my credit reports that does not belong to me. This credit card account belongs to the corporation, XXXX XXXX XXXX XXXX, XXXX. Admittedly, I was a minority shareholder for this company, however, I didn't sign for this card. Thus, I am not the responsible party. In XXXX of XXXX, I wrote Capital One a letter explaining that I didn't sign up for this card and in my letter I requested the original contract bearing my signature. In Capital One 's response, ( please see attached ) I didn't receive a copy of the original contract or any other documentation that makes me the responsible party. Finally, on XX/XX/XXXX I called and spoke with a Capital One XXXX, XXXX, ID # XXXX. Basically, XXXX stated that there was no signed contract and that the account was established online using my information. Please keep in mind, in the most recent XXXX data breach, all of my information was accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt

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