BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, Experian and XXXX fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.

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 2022-05-24
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good day, My PayPal email : XXXX, Reference ID : XXXX. Im contacting under the claim that my PayPal account got permanently limited, Ive already called the support on phone and they claimed it could to be an fault by the automatic bot or an person who mistakenly had put limitations. Ive also messaged the support but I was not satisfied with their " I dont give a XXXX '' attitude. So I decided to contact the PayPal support on XXXX. However, I have been waiting for days yet no response. I really cant wait any longer and stress about this much more, PayPal support is so poor and literally dont care at all, I think this is my last hope to get help as its impossible to get any help from PayPal XXXX I understand the need of limiting accounts. However, Im also aware and familiar with the User Agreements, I have checked and read the User Agreement several times before and recently aswell. I dont find myself in any of them, with this being said, I dont believe I have violated any policies or laws. Even my sales history has been very positive. My account have gotten limited with no explanations given nor given me a chance to explain my usage by providing any proof needed to prevent from this mistake or misunderstanding to occur. I have no issues showing any proof/ID verification needed to resolve the issue. They have also frozen my balance, MY HARD EARNED MONEY!. I had about XXXX $ on my balance. Im in desperate for help. This has really affected my XXXX XXXX as this is not fair and everytime i ask for the reason why i got limitations they say " We have our own reason and we have the right to keep it private '', Nonsense honestly. Ive used my account for coaching sessions in a video game im very good at ( XXXX XXXX ), Never sold anything illegal or such so this decision made by PayPal is incorrect. Id appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help

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 2023-07-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-12
Company: EQUIFAX, INC.
State: LA
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:
Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I receive the correct response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Account status incorrect

Complaint:
RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX XXXX and Experian or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, XXXX XXXX and Experia n ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX XXXX and Experian ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right

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 2023-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 using 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was denied access to my account during an unauthorized claim investigation. The claims are still under investigation and Bank Of America is refusing to provide me with and have access to a temporary provisional credit by the 10th business day, in violation of Reg E. They will not let me close my account, they continue saying that the account is in " closure '' and are withholding all the money in my account indefinitely. My online banking access has been suspended, they are refusing to give me any account information.

9 out of 10 employees in EVERY DEPARTMENT I have spoken too, has never heard of Regulation E.

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 2022-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I paid in full the loan amount Citizens Pay loned me for {$880.00}. It was for an XXXX XXXX XXXX with All Access. I called close my account about a week afterwards so as not have excess credit lines effecting my credit score. The representative informed me I must wait 30 days until I can close the account. I called back tonight ( XX/XX/XXXX ) and was told I need to wait 90-150 days before my account will close automatically, and they are unable to manually close the account. XXXX is the phone number in their Terms and Service Agreement under section " # 19 Closing Your Account '' subsection " b ''. A link to their terms is here... 

https : XXXX XXXX in their terms state they are unable to close my account when requested by the creditor. I believe what they are doing is against the law. In my opinion they are holding my credit line hostage ( {$2500.00} ) and disabling me from keeping a high credit score, and disrupting further credit lines from other creditors. I've paid them in full! I want them to close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 2022-02-13
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Medicredi asking for immediately payment from a medical bill Customer # XXXX Account XXXX Creditor name XXXX Family hlth As soon I get the letter I sent back response asking for validation or any proof that I own the debt, more than 15 days later I received other letter from them telling me that I have call them back because they need more information from me,, Definitely they failed to validate this debt with the amount time permitted by law, I don't have to provide any other information to them, they should have all necessary information if they are trying to collect a debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: MIDFIRST BANK
State: SC
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 am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from Midland Mortgage. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I was alerted of multiple obvious fraudulent charges ; 15 bogus unauthorized transactions from a salad bar in Florida ; a different state than California which I reside. 
The card is in my possession but has been reissued since the fraudulent transactions has been committed. An impersonator from the Navy Federal Credit Union fraud dept. called and pretended to be informing me of fraudulent charges inquiring about my debit card info. and had me reset my pin # and online banking so I guess they were committing fraud and accessing my checking and transferring money from my savings account during and after the call. They told me they would give me a call back in a few hours once everything was reset but never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I requested my credit reports from each of the 3 national credit reporting companies through XXXX on XX/XX/2021 and received two of them. The one from Equifax, however, has been impossible to secure so far. I prefer to get the reports online because I find it more secureIve had issues with the mail before and they contain very sensitive information. 

When a consumer is requesting the Equifax report, they are asked a few questions. The answers have to coincide with the information in their report. The problem is that none of the questions applies to the person making the request and, accordingly, they have to select something like none of the above for every single one. So the company denies access to the report for security reasons this happened to me and two relatives. 

I then made the request by phone. After that the company sent me a letter asking for a copy of personal documents containing my address and full social security number ( see the attached letter ). I sent the documents back through Certified Mail and the company got them on XX/XX/XXXX ( see the screenshots from USPS tracking tool and Certified Mail receipt ) ; but I never received the report. I dont know whether or not the report was sent or if it was lost. They have managed to make the process of getting a credit report at least the free report harder and less secure at the same time. And, at the end, the consumer may not get it at all. 

A message in XXXX says we can obtain free weekly online credit reports. But I have been unable to get my report from Equifax for more than 3 months. I have contacted the company, but to no avail. The last time, on XX/XX/XXXX, they told me they didnt receive the documents I sent them in XXXX, which is obviously incorrect. The biggest concern for me is that I dont know how they are handling this highly sensitive information. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am attaching proof of my certified and notarized letter sent to EQUIFAX informing them of my rights and the federal laws they are violating. A notarized letter is a legal document and I intend to take further legal action if my issue is not resolved. 
I also attached a copy of the law so there is no confusion to the Consumer Reporting Agency of the laws they are violating. As a consumer, EQUIFAX may only furnish a report with my written consent. I did not give permission to EQUIFAX and no consent is IDENTITY THEFT. 

Under 15 U.S 1681b- Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Meaning, the account I referenced in my notarized letter must be deleted immediately as they are currently violating my federally protected rights as a consumer. 

I have repeatedly tried to resolve this issue and have contacted EQUIFAX to have this account removed, however they have continued to violate my rights as a consumer, inflict XXXX XXXX ; while ruining my reputation, and character. If this account is not deleted I will send EQUIFAX an invoice of their violations and expect to receive monetary compensation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: NAVY FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged a huge amount of fraud charges on my credit while not even having my credit card in my possession. I believe someone has my access information to my bank as this has been happening for a year now. Ive been with my bank for over 10 years and dont have any history of reporting fraud until a year ago. 

XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud following up XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud again with not even having a valid credit card in my possession. 

My bank is not accepting my fraud claim and believes the transactions were valid which is not okay and not acceptable the fact that they have not even given me any option to protect my information that is clearly being used. Ive physically gone to a bank to see what I can do to change my information to access my account and I have not gotten any treatment as to fix that.

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