BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This XXXX XXXX CARD has not been updated since XX/XX/2022, it should have been updated for XXXX being that the balance was paid in full. It about to be time for a whole new statement In a few days for XXXX and they never updated XXXX statement info, I should get XXXX points back because they took XXXX points from me for this account in XXXX for my being not even a week late.

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 2023-02-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was permanently restricted on XX/XX/XXXX, but I could have sworn I didn't make any fraudulent orders! 
then I approached customer service and asked for a reason, but they refused, saying " this is a final decision '' and " security reasons can not be communicated ''. 
I've been using my PayPal for online transactions and have applied for a PayPal debit card, I can't figure out what the reason is, please at least let me know why, it's like a black box! 
I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX at the time, and after a month it still says that this is the final decision and won't tell me why!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: MD
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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 Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 2023-06-05
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
XXXX is not reporting the {$9800.00} credit line I have with my new PayPal Extras Mastercard ( which has gotten two replacements ) even though they say that the balance decreased. They're also not showing the {$10000.00} credit line I have with another XXXX 's card besided the one isted. Both of these cards had fraudulent activity and both have simply been replaced with new cards and account numbers. As a result my total available credit is nearly {$20000.00} less on the XXXX report than what it really is ( {$37000.00} versus {$57000.00} ) and my average credit age is about 7 months less on the report than what it really is ( 7 years 5 months versus 8 years ), as the PayPal Extras Mastercard account is nearly XXXX XXXX XXXX, and the XXXX 's account about XXXX XXXX XXXX. This is having an unfair adverse effect on my credit score, when I simply just had the card numbers replaced due to 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 2020-04-07
Company: Navient Solutions, LLC.
State: FL
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:
i tried so may times to have this account remove from y credit report, every time the credit bureaus remove the account navient put it back on there. they claim that i owe {$110000.00} witch is impossible.i have  proof of how many time this account has been removed and put back into the report, this account has created a huge problem financially. and also a few other accounts that i know nothing about that the credit agencies refuse to remove from my credit report such as recievables performance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX i simply ask that these ithems to be remove from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, XXXX is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the XXXX site to request remittance to the program. 

XXXX only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. XXXX acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the XXXX relief forebearance. They have capitalized the interest several times over the past XXXX years inflating my balance by several XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED XXXX XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over XXXX points forcing other creditors to reduce my available credit further adding more stress. XXXX continued harassment has caused a measurable negative impact on my mental health which I have documented with my family doctor. My wife is immunocompromised who is now unable to work after the COVID pandemic significantly reducing my income.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -

Company response to consumer: In progress
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
HI AM UPSET THAT ON XXXX XXXX XXXX XXXX XXXX WAS ON MY CREDIT. THIS COLLECTION IS NOT MINE AND I CANT MOVE FOWARD WITH MY LIFE WITH THIS COLLECTION. IT IS FARDULAENT AND NOT MINE. I HAVE XXXX KIDS THAT I AM TRYING TO MAKE A BETTER LIFE FOR BUT I CANT BECAUSE OF THIS. I NEED THIS REMOVED ASAP SO I CAN START MY NEW JOUNERY

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 2022-10-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXXXXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I am paid automatically the same day every month by the US Government. This pay is guaranteed for my lifetime due to my combat service and non taxable. I have never had a negative mark on my credit history until this incident with Capital One. This past year the government made a clerical error at no fault of my own and withheld money in the spring of XX/XX/2018 and then again in the winter of XX/XX/2018. I received no notifications that I would get no pay prior and had to wait both times for the government to process a refund. During the last payment interruption I contacted the credit company to notify them of the government shutdown. They agreed to waive the late fees and I made a payment of {$10000.00} as goodwill to show my credit worthiness. I was told multiple times on different occasions by creditor that I would not be receive a mark on my report for payment. In XXXX they reported I had been 60 days late on payments although we had agreed to the payment waiver. I formally disputed the report and then they changed the report to 90 days. I formally disputed it again to no avail. I have called the company three times to voice my concerns and communicate these errors with Capital One and they will not offer any assistance or accept the official documents from my bank account, Department of Defense, or Veterans Affairs that prove the validity of my income, missed payments, and claim. 

I used this company specifically for the benefits of travel points they advertised. Capital One is taking advantage of XXXX veterans and servicemembers that have guaranteed income. I would have never used this company if I had known they would not cover government pay hardships that are formally documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, Equifax and XXXX Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXXXXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$72.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX EQUIFAX : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Key Bank was notified in writing that my mother had passed and included was a copy of her death certificate and a copy of the death certificate was also hand delivered to the local branch where my mom also had a checking account. Key Bank continued sending threatening letters to a dead person adding additional finance charges, late fees etc. Then Key Bank turned over the debt to XXXX XXXX XXXX. Upon receiving the notice from XXXX, I responded that the amount they were trying to collect was incorrect and there was no monies remaining in the estate ( at the time there was none, recently I was made aware that additional monies will be coming to the estate ). XXXX sent another letter address to me with a notarized document giving the appearance that the document came from XXXXXXXX XXXX Court of the State of New York - XXXX XXXX. This is a fake document as this is out of XXXX XXXX 's jurisdiction ; my mom died in XXXX XXXX. Additionally, I called XXXX XXXX  - XXXX XXXX and the representative I spoke to confirmed the file number XXXX referred to was not from XXXX XXXX, their numbers don't start like the numbers provided and the representative informed me that XXXX XXXX Court would not send anything out on behalf of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: FL
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:
I have checked my credit report that the account from XXXX XXXX ( XXXX ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " XXXX XXXX XXXX '' " up to XXXX days after your vehicle has been returned XXXX XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for XXXX months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for the XXXX. When I filled out the information it asked for my current address so I entered my XXXX address - where I have lived since XX/XX/XXXX. It also asked for my former address- i sold the house in XXXX in XX/XX/XXXX - The card has been sent to the XXXX address. I immediately contacted someone at Aspire, and was told I had to wait 30 days and they could not change my address. I have called numerous time and had several online chats to get this fixed. They send me a link that would not work, so I could submit a utility bill and a copy of my drivers license. I was finally given an email address to send the information. I submit XXXX utility bills and a copy of my DL to show my address, on XX/XX/XXXX.. I have been told soo many things, it will take 30 days, then it was 5 days and this weekend it was XXXX days. XX/XX/XXXX I have contacted again via chat and was told it was just sent to have the address changed. When I called today. It was told they could not change my address because the documentation I provided was invalid. Even though I provided a copy of my spectrum address and a copy of credit card bill address. AND my drivers license. I have attempted on numerous occasions to have my address corrected and it's falling on deaf ears. I have repeatedly let them know it felt fraudulent that something felt off.. I asked to speak to someone state side, and was denied. 

I was even told by a rep to drive to my house in XXXX to get the card, I let the rep know that's not legal, or how we do things in the states. I don't know what to do. I do not this to negatively effect me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: CT
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:
Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was XXXX and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.

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