BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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:
I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under these laws these accounts should be removed 15 U.S.C. 1681 ] ( 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. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 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

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 2023-05-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Description of events : I came to agreement with XXXX XXXX about selling my computer to him for {$880.00}. He went ahead and told me to request money through PayPal. Which I did. Not after i get a email from PayPal saying funds will be on hold until I send a verification of shipment. Which I went ahead and shipped out computer and placed insurance on shipment for {$1200.00}. Then received an email saying funds will be placed into my account on Friday  XX/XX/XXXX same day of computer delivery. Friday  comes around and I get another email saying that I needed to send {$400.00} to the buyer since he sent an extra {$400.00} in order to get a increase in limit so I was to send those {$400.00} to refund back what he sent on top of the {$880.00}. The {$400.00} I sent were to XXXX XXXX which the main buyer XXXX claims it was his step son. 

In total I lost {$1200.00} in value goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 information. 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-05-10
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a collection on my credit reports in  XXXX    XXXX   for  XXXX . I had cancelled their service and returned the equipment so I was not aware of any debt owed to the company. I do not recall receiving any kind of correspondence from the company but learned in  XXXX  of this year that they had turned my account over to Receivables  Performance Management for collection o f {$400.00}. I contacted  XXXX  shortly after and requested verification which I never received. While speaking to the customer service rep, I asked if I paid the balance they said that I owed would they remove it from my credit reports and I was told that they would. Because I wanted it off of my credit report, I started making {$100.00} payments directly to  XXXX  since they explained that they would instruct the collection agency to remove the debt upon full payment. I paid over the course of 2 month in {$100.00} increments until the balance was paid in full in  XXXX . I was told o n 3 se parate occasions that upon payment in full that the collection would be removed from my credit reports upon the request of  XXXX . This information was given to me twice by customer service reps on  two  separate occasions and once via chat with a  XXXX  rep. I paid under the belief that they would do what they said they would. I even refused a settlement offer from the collection agency because I was told that the account had to be paid in full. Once I made the final payment, I contacted  XXXX  regarding the removal request and was told by a very rude customer rep that they would not instruct the collection agency to remove the collection off of my credit reports. I asked to speak to a supervisor but was denied repeatedly. No one ever returned my call, although I requested it. I then attempted to contact someone at the collection agency. I sent an email explaining the situation and provided a copy of the internet chat transcript between the  XXXX  rep and I but the issue was not acknowledged. I think it is unfair for  XXXX  to secure payment under false pretenses. I paid under the assumption that once it was paid, it would be removed. I was never provided with any information validating the debt although requested and my attempts to resolution to the problem was ignored by both the original creditor and the collection agency. Validation was finally offered after I had paid the amount they said I owed by buy this time it was useless since I had already paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All XXXX credit bureaus have a data breach on my report and dark web activity. I am no longer able to dispute or add statements to these bureaus for aged accounts and inaccuracies. This has to be illegal and a violation of my consumer rights. I have disputed several discrepancies and accounts over the course of 3 years. Used several credit repair companies XXXX XXXX XXXX XXXX XXXX and many others to settle and improve over all credit. CFPB has also turned a blind eye to hard working consumers seriously trying to navigate and improve credit where there are obvious errors and mistakes on credit reports holding back millions of Americans their key to financial freedom and credit stability. What can be done to resolve this?

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 2023-10-06
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me For the past two years the three Credit Bureaus, such as, Trans Union, XXXX, XXXX I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe four point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/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 2021-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I am a capital one holder and last month I went to make a payment and capital one oddly required that they text me first. I agreed to being texted for a " security code '' but then never received a text. I kept trying for a few days and when I later called, there was no automated option to pay your bill and it was after hours. The next day I could pay but by then I received a late fee. 

Capital one should waive their fee, this is the only bank I've had this problem with Thank you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: OR
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 paid off my car loan early with a cashier 's check from XXXX that was deposited by XXXX to their XXXX XXXX account. XXXX is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided Experian with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.

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 2021-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Your organization failed me when I was defrauded of {$11000.00} through false cashiers checks, fraudulent job hiring through XXXX and subsequently Chase Bank charged me for the false checks. 

Not sure about the advertisement of protecting consumers. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a chase sapphire credit card. I submitted my application and got a notice that they needed to do additional review. I 've never gotten anything like that before, so I called chase to ask what was going on.   After wading through a horrible automated phone system, I finally got to a representative who told me that they were denying my application. I asked why, and she said I had too many credit cards already. I do n't understand why that matters. I 've never been late with a credit card payment, I 've never missed a payment. I believe chase is discriminating against me because I 've reached out to the CFPB in the past regarding their terrible customer service and sending my cards to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX payment applied to the account. Bureau reporting 30 day late in error. Requesting 30 day late to be removed. See bank statement. I have several accounts with Chase and made XX/XX/XXXX payment on XX/XX/XXXX. Supporting documentation attached. Requesting to remove 30 day late for mortgage ending in # XXXX. Bank statement showing payment in the amount of {$620.00} and all other Chase payments were made same date but other Chase mortgages are not reflecting 30 day late. Requesting to remove 30 day late. Chase mortgage ending in # XXXX - monthly payment for the account is {$2000.00} Last mortgage payment made XX/XX/XXXX. I received payoff letter requesting {$770.00} payment. When I tried to pay amount requested Chase web pay and chase auto phone would not accept the payment. I was not aware funds had to be wired resulting to {$770.00} deficiency balance causing my loan to go 30 days past due. Requesting 30 day late payment to be removed from bureau. All bureaus are not reporting same history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Global Lending Servi Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
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: Old information reappears or never goes away

Complaint:
I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my report

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 2017-05-11
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
DISCOVERCARD IS ALLOWING   XXXX   TO BLOCK  DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
To Whom It  May  Concern ; I received notification through my   XXXX   XXXX   app that an account that was on my credit report was removed. This was on   XXXX   XXXX    2017 w ith the Equifax credit bureau. I waited a few days, called the bureau to request a free, detailed credit report. After reviewing the report, I noticed that the account in question (  XXXX   XXXX   XXXX   XXXX  ) remained on my credit report. I know   XXXX   XXXX    works very closely with the bureaus and they would not send me false information and or updates, as their information comes directly from the bureaus. I am submitting this complaint due to the lack of compliance from Equifax. This is an unfair practice by a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

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