BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: LEXISNEXIS
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 information incorrect

Complaint:
XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX  XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXXXXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion and XXXX is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.

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 2019-04-28
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: Information belongs to someone else

Complaint:
To whom this may concern : This complaint is due to the unauthorized inquires on my Equifax report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX/XXXX XX/XX/19, XXXX XX/XX/19. It would be greatly appreciated if these inquiries be removed from my Equifax report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Equifax be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there may have been a mistake in this decision, and I kindly request your assistance in re-evaluating my case. 

I want to emphasize that, to the best of my knowledge, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe action. I have always used my PayPal account responsibly and in accordance with PayPal 's terms of service. Therefore, I am left perplexed and concerned by the permanent limitation imposed on my account. 

I kindly request that PayPal re-investigates my case thoroughly and transparently. It is of utmost importance to me to resolve this matter and, if possible, have my account reinstated. I understand the importance of upholding the security and integrity of the PayPal platform, and I am committed to cooperating fully to ensure that my account complies with all necessary regulations. 

I kindly ask for a prompt response and a review of my account to rectify any misunderstandings that may have led to this limitation. I believe in the fairness and professionalism of PayPal 's customer support, and I hope that we can resolve this matter amicably. 

Thank you for your attention to this appeal, and I look forward to a positive resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
on previous complaint with collection account XXXX XXXX XXXX XXXX, i submitted a document showing to Transunion credit reporting agency, the information is inaccurate, and requested to remove XXXX collection account from my credit report. They closed the collection account, don't removed and days later they reinstate again this collection. How much time we, the consumers have to wait for this credits agency to do their job following federal laws, they are breaking all the federal laws without any problem and the federal trade commission don't do anything. Also, I've been received from Transunion, a letter where they place a security alert without removes those inquiries and i never allow any written consent to them to place any alert, remove theses alerts and inquiries as well.

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 2021-03-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continual to reporting Metro 2 violation under K1 for Original Creditor Name.

Metro. 2 Guideline state a collection company must report the original creditor name when reporting a collection account. As a Consumer, it is my right to know who the debt is coming from. XXXX has 4 accounts in violation. Midland has 1 account. None of these accounts are reporting the original Creditor Name. I have disputed this even sent in the regulation to show how metro 2 should be reporting On credit reports. I have attached the Name & account # of these violations. 

1. XXXX Account XXXX 2. XXXX Account XXXX 3. XXXX XXXX  Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX All these accounts are in violation of Metro 2 guidelines. I have disputed this violation with the credit bureau Equifax. Equifax reply with verified and accurate. 

I have attached these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chase bank sent me an email stating that my application for a credit card that I had never applied for was received and the inquiry showed up on my credit report. I never applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CITIBANK, N.A.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi On XX/XX/XXXX XXXX, opened checking and saving account at Citibank. {$1000.00} to checking account, {$50000.00} for saving account On XX/XX/XXXX XXXX I received a letter from Citibank, " say they can not deliver my statement by email '', I went to my account check, and then found My all money was withdrawn by someone on XX/XX/XXXX and account was closed, but it is not mine. I checked, but my email address and phone both are correct. 

On XX/XX/XXXX and XXXX XXXX, I spent several hours to call, nobody can give me some reason and just told me my money was withdrawn and account closed. I called fraud phone, at first 2 people told me and ask me give time to check and then hang up my phone, Finally one lady told me I will receive a letter last week and express what is happen, but I don't receive this letter. I do not know how can I get this money back. so I ask you help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Navient 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: PA
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:
I mailed a letter to the credit bureau on XX/XX/2021 regarding wrong accounts on my report. It is now 60 days and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: IL
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:
This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, Equifax, and XXXX  of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Waypoint Resource Group, LLC
State: AZ
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: DISCOVER BANK
State: TX
Product: Credit 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:
Thursday XX/XX/XXXX, the company took the payment. After waiting for almost 2-3 months, I never received my service nor help from the institution therefore I thought paying upfront would change things. After trying to contact them, I haven't gotten any assistance. The whole thing felt like a scam so I decided it would be best to dispute the institution and apply somewhere else. Once I got the confirmation about the dispute going through, I then went ahead and applied to a different institution. This then effected my credit score from XXXX 's to XXXX 's. A month later, l all of a sudden now received a chargeback into my account. Ruining my credit score 2x than what it already did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is for validation of the alleged debt within 30 days. The company RMP LLC is on my credit report reporting an alleged debts of {$100.00}, {$510.00}, {$370.00}, {$510.00}, {$220.00}, {$67.00}, and {$53.00} the company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I contacted Citi Bank to close my checking account. At that time all funds became unavailable and I was told they would send me a check for the outstanding balance. 

It is now XX/XX/XXXX and I still have not received the funds from my checking account. 

I have contacted Citi Bank no less than 13 times ; 9 times via their online chat support and 4 times via phone. 

Each time I've been told the account has been closed and that funds would be mailed. However, I've been given different time frames for the issuance of the check ranging from " 1-2 days '' to " 30-60 days ''. I've also been told that the delay is due to a 'fraud hold ' for which I've contacted Citi Bank twice ; each call has taken at least 60 minutes to complete and each time I've been assured that the hold has been lifted.

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 2021-02-14
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2020, I came back from XXXX after doing some grocery shopping and randomly decided to scroll through my credit accounts to see what debts I had to pay off. I went to my Military Star Card account, logged in, and to my astonishment, I found all of these alarming charges that I didn't made. Overall, the charges amounted to {$3300.00} and till this day, nothing has been done to reimburse these charges and to reinstate my account to its previous state. I was sent an email from ECP Fraud Department stating that I am being held for these charges due to the police report being " blacked out '' to protect the PII of the suspect that have committed this crime. It is now XX/XX/XXXX, 8 months after the fact and yet nothing hasn't been done to resolve this issue. I need help to get this situation resolved. Thank you for understanding my predicament.

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