BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I ordered a cell phone in white from XXXX XXXX online for {$980.00} and checked out via Paypal with my XXXX XXXX ending in XXXX. XXXX XXXX delayed the order because the color I requested was not immediately available. On XX/XX/XXXX, I cancelled that order. A refund was successfully processed through Paypal and appeared on my XXXX XXXX ending in XXXX. 

On XX/XX/XXXX, I placed a second order from XXXX XXXX online for the same cell phone, but in black, since that color was available immediately. I again checked out via Paypal with my husband 's XXXX XXXX ending in XXXX. After completing the order, I received an email from XXXX XXXX that there was a problem processing my payment. I cancelled that order and decided to try again. 

That same day, on XX/XX/XXXX, I placed a third order for the cell phone and checked out with Paypal. This order was successful, and my XXXX XXXX ending in XXXX was charged {$980.00}. I was able to pick up the phone later that day, and I traded-in my old cell phone and received a refund of {$590.00} on my XXXX XXXX XXXX XXXX XXXX. 

Even though XXXX XXXX said that the payment for the second order did not go through, and the second order was cancelled, my credit card ending in XXXX connected to Paypal was charged {$980.00}. I contacted XXXX XXXX, who told me that they had never received funds from Paypal for that transaction and therefore could not refund me. I initiated a disput through Paypal. Paypal denied my dispute. 

I am owed {$980.00} from Paypal for an order that XXXX XXXX had cancelled and never received payment for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to Experian However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX  payment towards the XXXX XXXX Account. Initially, the XXXX  customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. 

An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX  customer representative. The XXXX  customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. 

The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: LEXISNEXIS
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On Thursday XXXX I filed a dispute with XXXX XXXX and Experian RentBureau, about inaccurate rental reports that they provide to housing communities. I submitted a full copy of my rent ledger showing that there's a XXXX balance on the account in question. They concluded their investigation on XX/XX/12. They failed to update my account and it still shows a {$620.00} balance. Their inaccurate information is impeding my ability to secure housing.

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 2023-08-22
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received unauthorized charges on my credit card from Transunion. I immediately contacted the company on XX/XX/. Upon connecting with a customer service representative, I was told to send the complain via email to XXXX. I sent all information, and received a response the next day that I had to provide a credit card statement to verify the charges. Upon receipt of the statement, I sent it back, but the email address came back as undeliverable. I then called the company, was told it was fraud and that I was due a refund. The service rep then disconnected the call. I called back XXXX more only to be disconnected by the representatives both times. I can not get any agents on the phone, the email address does not work, and the website is " experiencing difficulties ''. I can not get this resolved and it is a fraud case.

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 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, Equifax, and XXXX I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: VA
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:
To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX an electronic deposit was made for an insurance check totaling {$1500.00} that was made out to XXXX XXXX, XXXX XXXX, and XXXX XXXX as an reimbursement for repairs that I, XXXX XXXX, have paid for. The check was endorsed by all three parties and I deposited it into my account. Chase placed a hold on it and in 15 different phone calls refused to release the funds. I was threatened verbally that I would be arrested for fraud and that the check was fraudulent. This check was not only verified, but the funds were withdrawn from the originating bank and are being held by chase. My account has now been restricted and will be closed as a result of the defamation that this company has engaged and their false accusations. They refuse to release this money to me despite all parties endorsing this check. XXXX XXXX was verified through his own accounts. XXXX XXXX acting as an XXXX and private mortgage holder was not verified despite the bank having proof of checks written to him for the mortgage payments showing him as the mortgage holder. This bank is abusing their power, they have bullied and intimidated me, made false accusations against me, and have not practiced good faith with the money that they have taken from the originating bank. 

Below in the documents is proof that Chase has cashed this check. Below is proof that this is an insurance check as written on the check. Below is proof that XXXX XXXX XXXX is a mortgage holder in an email he sent at the beginning of our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I would like Equifax to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XXXX  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX 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 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I applied for XXXX and never knew that they sent 7 cards to me due to never receiving any. I have received one card and when I received a email from BofA prepaid edd. Stating call the claims department I did so and found out that someone had stolen all the funding given to me from pandemic edd. I have submitted all paperwork they have requested and still have not been reissued the money that they is due to me. I have repeatedly called and complained still no resolution. One of the claims is 62 days and no denial or acceptance has been reached. They say it takes 45 days now Im receiving the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNVFUNDG is a Fraudulent account. I was a victim of identity theft. account # XXXX. I don't have any information because i don't know who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief