BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: MS
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 who this may concern, I am writing to express my concerns with the conduct of Experian, XXXX, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.

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 2023-02-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
While my funds ( XXXX php ) are on hold, Paypal decided to permanently ban my account on XX/XX/2023 because of allegedly selling of XXXX oriented materials or services, which I didn't and I never did my entire life. I am selling my graphic designs, logos, for clients to post on their social media pages and it's so far from their accusations. 
I called them multiple times to resolve this issue, I even spoke with the supervisor but they kept on insisting that there's nothing they can do about it. 
They really made a mistake for banning my account, aside from that, they hold my money that is not supposed to be hold anymore. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX, I logged in to my USAA ( United Services Automobile Association ) Checking Account ( XXXX ) and noticed that the amount of {$6700.00} was withdrawn from my account without my consent. I contacted USAA costumer service in regards to this withdrawal and I was told that the fund was withdrawn due to the Overdraft Amount. I paid the credit card # XXXX over draft amount on the XXXX of XX/XX/2023, so there should be no reason to remove the over draft amount from my checking account 5 days later. USAA customer service can only make request to return the fund to my account that could take 5-10 business days. I needed that money to pay my bills. I am making a formal complaint in regards to this matter with USAA for stealing the amount of {$6700.00} from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. During Covid Mortgage Servicer XXXX offered me a Forbearance, which I gratefully accepted ; timely filled out requisite forms, executed ( and notarized ) a Promissory Note and XXXX to XXXX on XX/XX/XXXX XXXX. On XX/XX/XXXX a Partial Deed of Trust was electronically recorded on XXXX XXXX XXXX. 

2.Upon expiration of the Forbearance period, XXXX representative contacted me, and encouraged me to apply for a " Loan Modification '' to lower my interest rate and monthly payment, while assuring me the process would NOT adversely affect my Credit Scores, further assuring me there would be zero adverse reporting to the Credit Bureaus XXXX 

3. On of about XX/XX/XXXX Mr. Cooper ( formerly known as Nationstar Mortgage ) acquired the loan servicing, and I was contacted regarding the status of my Mortgage. When I explained I received a Forbearance, AND was in the process of a " Loan Modification '' I was told " not to worry '' that sometimes it took several months for the paperwork to be provided by the previous company. 

4. The VERY FIRST inclination there was a problem was when XXXX sent notification my Credit Score tanked by XXXX points. 

XXXX. Despite providing Cooper supporting documentation, over the last 6 months, Mr. Cooper refuses to resolve the matter " there's nothing we can do, you should contact XXXX, they're the one who dropped the ball ''.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate 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 2017-05-11
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a car with  XXXX   XXXX   XXXX . I turned the car in  XXXX   XXXX . I received a final bill for a lease turn in fee for  XXXX . I paid the Bill on  XXXX / XXXX / XXXX  for the amount of  XXXX . I heard nothing fromToyota until  XXXX   XXXX ,  XXXX , when I received a collection Letter from Central Credit Services LLC. I contacted  XXXX  and they said they started an investigation. I contacted  XXXX  to ask for a copy of the cashed check.  XXXX  told Me  XXXX  returned payment on  XXXX   XXXX ,  XXXX . I sent another  Electronic  payment to  XXXX  on  XXXX / XXXX / XXXX . I called  XXXX  to verify payment where they forwarded me to  Central Credit Services o n  XXXX / XXXX / XXXX .  Central Credit Services tried t o Verify Payment with  XXXX   XXXX   XXXX  and they still claim no payment received. I have included  XXXX  files number  XXXX  joint account in which I share with my son  XXXX   XXXX . The  XXXX  page shows the electronic payment made to  XXXX  on  XXXX / XXXX / XXXX . The second file is a message from  XXXX  that shows  XXXX  sent back payment. The third file is the payment made once again to  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . If you have any questions or need additional information please let me know. I have also disputed claim with  Central Credit Services by certified  mail.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  Balance : {$2000.00} ; XXXX  XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX XXXX and they said I could check my options with no effect on my credit. That was a lie. They ran a hard inquiry on my check and I want it removed 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 explanation
Consumer complaint received 2022-12-31
Company: LEXISNEXIS
State: TN
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:
Your company is furnishing a bankruptcy to my consumer report inaccurately. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is a follow up to my previous complaint XXXX. 

XXXX. The Transunion credit report indicates that my account is Status 1 Late. 
The letter from XXXX dated XX/XX/XXXX reads " ... we have reviewed your account and found we are not showing a delinquency. '' XXXX. An automatic payment was not received by XXXX because of a XXXX bank error that required me to close my account and set up a new account for autopayment. 
The autopayments that were affected by the bank error were in XXXX and XXXX of XXXX. My account should not be deemed late due to a bank error that caused my XXXX account ending in XXXX to be compromised. A new account at XXXX ending in XXXX was set up for future auto-payments to 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 2023-01-06
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:
In accordance with the Fair Credit Reporting act XXXXt, Account # XXXX Account NameXXXX XXXX Account # XXXX Account NameXXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account NameXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of accounts for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and remove the following accounts : XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00}

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 2023-01-29
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Requested Lexis Nexis Consumer Center by website last year around XXXX  2022, as well as by phone tried to get free XXXX XXXX  for XXXX XXXX XXXX  Company never responded or sent free report as requested by mail/ website

Company response to consumer: Closed with explanation