BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 had opened my first credit card with XXXX XXXX When opening the card, the employee at the bank incorrectly entered my social security number. I had noticed this and had submitted a request to update my SSN on all 3 credit bureaus in XXXX of XXXX. After sending all of the documentation. Equifax never notified me the result of the investigation. 

I had recently applied for a loan and was told that my credit report is still showing the incorrect social security number with Equifax. I then contacted Equifax again in early XX/XX/XXXX and spoke with an agent XXXX. XXXX assured me that they can use my previous documentation to update my social security number and it would take a few days to process. 

I called back 2 days later and was informed that nothing was done again. I was informed to resubmit the required documents online to get the social security number updated. I submitted the case for a 3rd time for review online on XX/XX/XXXX. I received a response from Equifax XX/XX/XXXX stating that the social security number is correctly showing on my profile now. During this same time, I had also sent out a physical letter to the XXXX XXXX provided by the customer service agent, and they had received the documents XX/XX/XXXX. 

When I called to verify that my social security number had been updated, I was again told that nothing has been done, and I need to submit my documents for verification all over again. When I had informed the agent that I have submitted the case online AND sent a physical letter, I was trying to get an answer why the report of the investigation stated that my SSN was updated, but that was not the cases. They were not able to answer the question and hung up on me.

I have tried on 4 separate occasions to update my SSN with Equifax with no luck. At this point, I am risking losing my loan, and will most likely have to reach out to a lawyer to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: Paypal Holdings, Inc
State: GA
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 received a refund for XXXX. I made the purchase through PayPal so the refund was sent back to PayPal. PayPal sent the refund to the card that I made the purchase with. That card was with my bank and that account had been closed. the bank stated they would have returned the refund bc the account was closed. I called PayPal back and they assured me the refund hadn't been returned. My bank also told me they needed a XXXX digit transaction ID so the could track the refund. I contacted PayPal and the person I spoke with sent me a XXXX digit transaction ID. I tried to give that to my bank but it wasn't the correct number. I called PayPal again and told the lady i need a trace request sent to my bank. She told me I would have the refund in 24 to 72 hours. Instead I got a message that the transaction was successfully sent to the the card that I used and gave me a XXXX digit reference number to give my card provider. I called the bank with that number and that was again not the right number. I called PayPal again and spoke with someone in the dispute department and he said he sent in a request for a XXXX digit trace number. the message I got after that was the same message I had received the time before. I went to the main branch of my bank and they explained to me the PayPal needs to contact the bank the use and get the trace number from them. I called PayPal again and got a supervisor on the phone.. the supervisor told me they are the bank and the two numbers they gave me was all there was. I told him I just googled PayPal and they are not a bank and I told him what bank they used. After I said that, he told me that PayPal has done all they can do for me. It has been well over a month of me trying to get my money returned to me and I am extremely frustrated with PayPal bc they seemed like they either don't know how the company works or they don't care to solve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
there are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks

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 2022-11-12
Company: EQUIFAX, INC.
State: VA
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 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 explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
today i ordered on citi.com a new virtual card with a maximum limit of {$75.00} attached to the primary credit card and i have placed an order on XXXX XXXX like i did yesterday with the another virtual card attached to the dsame citi credit card for some unreason todays ' purchase was considered as " suspicious '' activity and they have blocked the current payment and the card usage and they requested a phone call SINCE I HAVE REQUESTED AND REGISTERED THE CITI CARD WITH A ONLINE BANKING, THEN OBVIIUSLY I DO NOT USE ANY PHONE SYSTEM BECAUSE I USE THE INTERNET I WANT TO REPORT A SUSPICIOUS ATTIDUDE : they consider a online banking, like a phone voice system and they do not understand the difference between a internet connection and a voice line I WANT TO REPORT ANOTHER SUSPICIOS ATTITUDE : they consider a maximum purchase of {$75.00} a big amout of dollars, so that's our suspicious, perhaps the bank does need a fnancial help from the XXXX goverment as usual plus i wan na conform that i have made a password reset and the usual voice call arrived on the phone number on file with the usual code and i have placed that code and cjanhed the password what else they need a XXXX test for {$75.00} purchase

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 2023-02-22
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: Their investigation did not fix an error on your report

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 explanation
Consumer complaint received 2021-04-27
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, On Friday XX/XX/2021 Chime Bank put a whole on my account. I called and was told to email them documents. I emailed the documents that they asked for and still havent heard anything back. Ive been with Chime for 1 year now and nothing like this has ever happened. When my account was closed I had XXXX dollars in my savings account. I have no access to my money now. I called and was told I only have XXXX in my savings. That means my other XXXX is missing. Did chime take it?? I really need my account opened ASAP! I need my hard earned money back I have XX/XX/XXXX small children to care for. Something needs to be done immediately. Its not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had one XXXX loan and I never be late for this account and it is only one account. 
In my XXXX credit report it's shows six accounts with same account number. Three of them shows late payment, three of theme without late payments. In some of them amount and balance is different. 
In my XXXX credit report it shows three same account, without late payments but amount and balance is different. 
In My Transunion credit report appears three of same account with late payments and amount and balance is different. 
In accordance Fair Credit Reporting Act everything must be 100 % accurate in my credit report and under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for a parent plus loan for my daughters college tuition and Experian is telling me that I have to send a WRITTEN REQUEST TO HAVE MY CREDIT FREEZE LIFTED!! 

I don't have that time for snail mail! My college students college needs to pull credit to determine eligibility and it needs to happen and get approved by next week!! 

I called customer service and it WILL NOT CONNECT ME TO A LIVE PERSON!!!! I called within business hours. I am FURIOUS!!!! 

This is unacceptable and could ruin everything. 

EXPERIANXXXX 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 2023-03-29
Company: Experian Information Solutions Inc.
State: NY
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 am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have noticed that Experian is reporting a last active date of XX/XX/XXXX for this account, whereas XXXX is reporting a last active date of XX/XX/XXXX. This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that Experian investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that Experian delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.

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 2021-04-27
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am recieving a bill from a collection agency from XXXX in the amount of {$480.00}, this bill is because they say I didn't turn in my phone when I changed services I disputed this and got negative results. 
I did turn in that phone and being XXXX I never asked for a receipt. But I was not offered one at the time and thought it would be taken care of. 
I believe one of employees may have taken the phone because when I contacted XXXX they had no record of this. I don't know what to do. I don't want to pay this bill, it will be paying for something twice. What are my options

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Spring Equity LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Our mortgage was COVID impacted. So, our mortgage lender, XXXX XXXX XXXX, performed a full loan modification. Spring HQ insisted to our points of contact at XXXX XXXX XXXX that we have either a lien on our mortgage or balloon. Both are not true. The amount in question is {$9000.00}, which is not interest bearing. XXXX XXXX XXXX put that amount on the backend of our loan. Spring HQ required satisfying the {$9000.00} and charging us 10.875 % interest on the {$9000.00}, which reduced the {$77000.00} HELOC to {$67000.00} ( net cash from borrower {$64000.00} ). XXXX XXXX XXXX charges no interest on that amount and defers it to the end of the term. Spring HQ 's arbitrary rule works like a penalty and profits from money that's not theirs to collect interest on. I am including two attachments, one that shows the terms or our full loan modification with XXXX XXXX XXXX ( at 4 % ) and the other 45 pages of terms we signed for the HELOC with Spring HQ. Please contact me with any questions. Thank you, XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation