BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

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 2023-11-11
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX out of XXXX, Washington called me on XX/XX/XXXX at XXXX saying I owed XXXX. I told them it was not my debt, it was my ex. They called again on XX/XX/XXXX at XXXX XXXX and hung up. They also called today, XX/XX/XXXX at XXXX. I have not received a letter for the debt as of today. I informed them there was a fraud situation going on with the original creditor and I would not give them any other information. It was a simple as a XXXX search to find my address as I did it and it was the first item in the search.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem

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 2023-04-16
Company: EQUIFAX, 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:
I XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact I XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, XXXX, I charged XXXX airline tickets on XXXX XXXX ( the " Airline '' ) to my Chase Ink Business Preferred Credit Card. I cancelled that card and replaced it with another Chase credit card in XX/XX/XXXX. The Airline cancelled all my purchased flights at the end of XX/XX/XXXX due to the pandemic. In early XX/XX/XXXX, I discovered that the Airline had refunded the cost of the plane tickets back to my cancelled Chase Ink credit card. My total charges in this matter amount to {$10000.00}. 

Upon written inquiry to Chase Cardmember Services on XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX, stating that 14 credits were returned to the merchant 's bank with a separate reference number for each of the 14 charges being returned because Chase was " unable to find an account '' for me. The phone number provided by Chase for the merchant is not correct. Further inquiry through telephone communication to the general Chase Card number, a visit to my local Chase Bank, and discussion with Chase higher level help specialists resulted in being told Chase has no other information because my account was purged from their system. I faxed the attached letter to Chase Card Services on XX/XX/XXXX requesting further information but have received no response to date. 

The representative in the XXXX XXXX XXXX XXXX has stated that the airline has no way to trace or check whether they received the funds from Chase without further information, including the date and time and exact amount of each wire that was sent. Chase has indicated to me they do not have this information. 

If it had been disclosed to me that my credit card account would be " purged '' and all account information deleted by Chase and no refunds would be possible in the future, I would not have cancelled my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was notified by my employer, XXXX XXXX, on XX/XX/XXXX that someone had filed for unemployment benefits using my personal information. After this fraudulent incident was brought to my attention, I also checked my credit reports and found someone had applied for a Capital One branded credit card for XXXX on XX/XX/XXXX immediately and contacted Capital One to notify them of this fraudulent activity. I was told the credit card application was flagged as fraudulent and told it had not been previously approved. I was told that Capital One would send corrections to all CRAs of this fraudulent incident so that it would be removed from all of my credit reports within 90 days. 

On XX/XX/XXXX, I contacted Capital One again regarding this incident because as of XXXX, it appears that this fraudulent application and inquiry is still showing up on my credit reports I was told that they immediately reported this incident to all CRAs when I called them on XX/XX/XXXX. The customer service agent contacted the internal fraud dept and confirmed they had already send corrections to all CRAs when I called back in XXXX and I that had to individually contacted each CRA to find out why this fraudulent application was still showing up on my credit reports. I asked for my call to be escalated so that I could receive written confirmation this was sent, but was told that could not be provided. The customer service agent ( XXXX, ID reference XXXX ) refused to escalate my call even when I wished to file a formal complaint. She informed me that Capital One would only accept my complaint in written format and referred me to their website for more information. I find this whole situation ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: OH
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, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Its the constant calling everyday for 3 months back to back. Attacking me for something I dont have control over at this point. Ive lost people, jobs and it all due to COVID. These people are very difficult to deal with. I really would appreciate it if it stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all XXXX bureaus. Was not resolved.

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: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX - XXXX MASTERCARD Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was behind on mortgage. Was forced to refinance. Was put on a 40 year refinance. My monthly payments were increased even though I had caught up on my monthly payments.

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 2022-10-26
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:
This is regarding an existing issue with XXXX Experian and XXXX XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-03-25
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went visited XXXX XXXX  today to find out a bill from my sons mother wasnt paid. Im not listed with the provider. However they wrote a derogatory statement that said I was in collections. Never received a bill from them nor was I there during said services. My score dropped 32 points because of this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation