BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/XXXX, I purchased a set of wheels from a seller on XXXX ( XXXX XXXX which also operates under the name XXXX XXXX, is located in XXXX, Pennsylvania ) who had me pay them through XXXX  instead of XXXX checkout. I know I was wrong to go through with it, but I had no idea that the merchant was a dishonest thief. 

The wheels were incorrectly advertised as having a 38mm offset and arrived with a 35mm offset. Getting him to issue return shipping labels was difficult, but he eventually did and I sent the wheels back. 

Getting my credit card charge of {$2300.00} refunded has been impossible. Citibank 's Billing Disputes Department took 3 months to find XXXX XXXX for the charge! I had them re-open the dispute, provided them with ALL necessary and requested evidence that proves beyond any doubt that the merchant has his merchandise back and still has my money. 

I also provided proof that I purchased the correct wheels from a different seller on XXXX. 

Nearly 3 more months later, Citi again closed the dispute stating that they are unable to force the merchant to credit a refund and are unable to continue the dispute because the time-frame has expired. 

I'm beside myself, as you can imagine. How does this happen? Just, how is it possible that Citibank is okay with a merchant stealing {$2300.00} from a customer?

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 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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 1681. 

I told the Experian, and XXXX to reinvestigate this account : 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 I wants this account deleted ASAP!!!!

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 2021-05-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive used PayPal since XX/XX/XXXX. I received an email from PayPal on XX/XX/XXXX saying my account has been permanently limited and funds are frozen for 180 days. They accused me of gambling, fantasy sports playing, lottery contest and a few other things. But all of my transactions have been with personal friends who have either loaned me money or Ive loaned them monies using PayPal. I also pay many bills and use my PayPal account often in my daily life so this is very disruptive. Ive received a lot of financial help from friends using PayPal, especially since COVID-19. Im not aware of any policy that forbids friends from helping each other out. I dont use PayPal for any of the activities theyve accused me of. When I spoke to the customer service representative on the phone today XX/XX/XXXX he said and I quote you know what youve done I immediately asked for his supervisor which he responded by saying hes the highest level at the company Im able to speak with. Then when I asked for a email address so I can write directly to management he declined and would not give me one. saying theres no email option for this situation and hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MN
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:
on XX/XX/XXXX, an XXXX XXXX account was opened under my name, when I was XXXX at the time and wouldn't have even been able to open my own credit account. The balance has come to {$9400.00}, and the account was charged off, with {$9400.00} written off. {$9300.00} is past due as of XX/XX/XXXX. The status was updated XX/XX/XXXX. I was XXXX at the time, and this account was opened under my name and federal information, yet I had no association with this account, and never have, and now it is strongly affecting my credit score, which is extremely harmful for me, especially considering I never opened or had any involvement in it. I filed a dispute with Experian, and they did not help me with the problem at all.

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 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There are chain mistakes from Bank Capitalone side.. 
On XX/XX/2022, their first mistake : there was {$100000.00} transfer out from my account ( XXXX ) without my fully understanding authorization ( supposedly it should be reversal or confirm ) nor my signature ( so large amount without any translator? XXXX discrimination? ) to an uncertain/erroneous company ( Capital one never background check company before sending transfer? Neither no any warning note letter notice to the customer before action? ), when I found something wrong, I tried to call customer service immediately, and the manager, even their top managementbut nobody cam dispute/reimburse my money back so far. The claim # XXXX, ( Per XXXX XXXX procedure, Get a refund for a claim : Temporary credit will typically be granted within XXXX business days so that you have use of the funds ) ->But receive nothing from capital one yet This amount maybe so small for a big company ; but its very important for my family. So I come here to ask your help for my right and fund back, your promptly action and reply this email : XXXX will be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CHARLES SCHWAB CORPORATION, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Checking and Investment account has been locked by The Banking Institution without proper cause.

I have Talked to several representatives and have not received a direct answer to any of my Question.I was told I could Use my Debit card attached to this account even if it was Under investigation by this institution .but when I used the card to pay my bills.the transaction was declined. They told the investigation takes 3-days yet it has been more than 3 days since being locked out of This account without any explanation I have Identified myself as required with the information that was asked.Yet I can not get a Straight answer regarding this matter.They have hung up the phone, They Have Promised to call and Did not .I run a Small Business and I have Clients to Serve.I can't serve my clients without the funds needed. This investigation was not imitated by me Dates XXXX, XXXX XXXX, XXXX XXXX, XXXX each day of communication my calls to this institution. 
Thanks...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions 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 would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from 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 2021-05-11
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We tried for years to get the medical  debt straightened out with XXXX XXXX. We never owed this as it was a clerical error from the doctors office. Our insurance covered the procedure per our policy. Charge was from 8 years ago. They would tell us it was all set as it was 100 % covered by insurance, then contact us a year later to collect again. This went back and forth for a few years with my husband making several phone calls. We then no longer heard anything for years. We assumed they finally got it coded correctly until we found it on our credit. We contacted the collection company who said we had to pay it or face bad credit. We asked to talk to the doctors office but they stated they wouldnt talk to us since it was in collections. We paid it in full just to get rid of it. Our credit was affected anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Drew Eckl & Farnham, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have asked XXXX to give me a payoff amount for a HELOC. XXXX has not given me credit for payments that I have made since XX/XX/2020. I have made payments every month since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Wilber and Associates, P.C.
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2021 I received a phone call from Wilber and Associates claiming I was being sued the value of over {$4200.00} for an accident that happened some months earlier I seen the pictures I sent there's no way the damage cost {$4000.00} to repair this insurance agency also never made any attempt to contact me or the owner of the vehicle regarding this claim before they sold it now this agency is threatening to suspend my license and the license of the person who insured the vehicle if I don't pay for what I know this is a violations of FDCPA As its course of manipulative and hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Incorrect and inaccurate reporting of my name and address 's I have sent out certified 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 2023-06-26
Company: Experian Information Solutions Inc.
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 am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me

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 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a continuation of a complaint against Bank of America. The previous complaint was XXXX. Bank of America refused to assist in recovering the funds that were stolen. Reports have been filed with the FBI XXXX. 

I was the subject of a business e mail scam described in previous documents. 
Bank of America contributed to my loss of {$25000.00} in this scam. At my direction, XXXX wired {$25000.00} to a Bank of America account that was the recipient of the money. 

Bank of America is responsible for this loss and I am seeking reimbursement. Bank of America did not vet the customer and then would not provide information about it. 
To open the account at Bank of America, XXXX law requires documents to prove that the owner of the account can open such an account. Bank of American refused to share this information when the complaint was first filed, and said I would need a subpoena. This has resulted in undue delays and the probability of never recovering the funds. 
Bank of America needs to refund the {$25000.00} loss to me as they caused this loss by not vetting their customer who was obviously a criminal/scammer.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: DE
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:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile that was never late.

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 2021-05-12
Company: Checkr, Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The background report shows I had a speeding ticket in Tennessee in 2016 but Ive never had any type of ticket in any state before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.

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 2023-06-26
Company: Experian Information Solutions 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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-07-26
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:
XXXX and Equifax continue to report inaccurate info on my bureaus the following accounts are a result of identity theft and should be remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  firstly the addresses that the accounts are reporting I never lived at those addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and XXXX XXXX  XXXX # XXXX XXXX IL XXXX the name that the accounts are under XXXX XXXX I did not authorize him to st up any accounts under my social security number. I need these accounts removed immediately I have reached out to the four companies several times asking for a signed agreement between myself XXXX XXXX XXXX and the mentioned companies none of them were able to provide a signed written agreement. I need these accounts removed immediately or I will be obtaining legal counsel for a lawsuit.

Company response to consumer: Closed with explanation