BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2020-03-13
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
In essence the following occurred : 1 ) I was misquoted a rate and time by a vendor business partner 2 ) The vendor pushed back the time to XXXX as he was at gym with another client or getting his own workout in. 
Vendor took close to 20mins to get ready. I was truly not going to quiver about that 20min lost tart assuming I had been given the a full 2hrs or at {$120.00} had been refunded. So since neither of those occurred and the vendor tried to justify the pay received and time Thus, Im now asking and requesting the full {$150.00} be refunded for non-performance, fraud, deceptive business practice on behalf of Cash App its parent Square Inc the Vendor and owner of the XXXX XXXX on XXXX Cash Apps need to pull money of the vendors card or account and refund me the {$150.00}. 

The cash App site leads you to believe that if issues arise that you can cancel / refund a payment and they give you numerous option However, Cash App never investigated they just respond that they are sorry and tell consumers they need to contact their Financial institution to resolve the issue and if you drill down far enough on the app you are told to contact Square Inc the Parent of Cash App I will be contacting my bank today XX/XX/20 Reason for Refund credit 1 ) The name of vendor is the same as the name of the vendor was using 2 ) No invoice was every produced 3 ) The terms of the engagement were not met I was shorted 30mins.

4 ) Vendor quoted me an hourly rate prior to engagement then tried to change his rate and terms the following day in an attempt to justify not refunding {$150.00}. 
5 ) The person booking the engagement was not the person performing the training .Cash Should act in Good Faith if they claim to have options to deal with issues A letter was sent to Square Inc on XX/XX/20 which consisted of exhibits and was a total of 56 pages please note a portion on that letter is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix 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 explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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 applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted.

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 2017-05-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
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:
One Main Financial ha s incorrect hard inquiries on both my   XXXX   and  XXXX  credit reports. They are showing inquires from  X/X/16   . Inquiries that I did not authorize . One  main financial has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what one main financial is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX     and   XXXX   report. The inquiry date is  X/X/16

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sell stuff on XXXX through my own company XXXX XXXX, XXXX. I use PayPal as payment processor. PayPal charge back my account for an amount of {$1200.00} for an item I sold on XXXX on XX/XX/2018. The customer who bought this item from me filed a complaint with his credit card company and asked for a refund on XX/XX/2018. According to an email I received from PayPal, they told me that the customer claims that the item he received wasn't as described, which was so strange claim cause the customer waited 4 months to file such a claim and he is saying that item is not as described!!!. I replied to the email I received from PayPal and told them that it doesn't make sense that the customer claims that item not as described after 4 months. PayPal told me in another email that they will try to dispute the case with the customer 's credit card company. However, a few weeks later I received another email from PayPal saying that they couldn't dispute the case with the customer 's credit card company and now they refunded the money to him, and my PayPal account is now overdawn by the amount of {$1200.00}. I emailed PayPal asking them to investigate this case again cause I believe the customer is scaming me. First, since PayPal already refunded the customer, I beleive I should receive my item back from the customer, but I contacted to customer and he is not responding to my emails. I also found the the customer who bought the item from me, now he is selling the same item as used item on his XXXX seller account. So, that customer got his refund, didn't return the item to me, and my PayPal account is negative with amount of {$1200.00}. PayPal also sent my account to a collection agency which I received a ltter from them few days ago. I tried to speak on the phone with anyone from PayPal but I am not able to reach anyone over the phone. I sent PayPal several emails to their complaint department stating all the facts and asking them to at least to get my item back from the customer or bring my money back to my PayPal account, but PayPal never replied back to my emails. The PayPal case is ( Case ID : XXXX ). The customer 's name is : XXXX XXXX and his email is : XXXX. I would like the FTC to get involved in this case cause I feel that PayPal is not responding to my complaint and the least they can do is to force the customer to return the item back to me since they refunded him the money. Sorry for the long email and hope to get response from you soon. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bank closed my account due to a peer of mine calling his bank and saying he did not receive services from me, the bank then restricted my account 2 days before I had to pay rent so I had to go in person to receive my money from the bank itself and then on Sunday my account is closed and Im being sent a check, I also can not apply for a new bank account and I work 2 jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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   XXXX   XXXX  has incorrect hard inquiries on both my transunion and   XXXX   credit reports. They are showing inquires from  XXXX / XXXX /  XXXX  . Inquiries that I did not authorize.   XXXX   XXXX   XXXX   has sent me a letter on  XXXX  stating that they do not see hard inquiries on those  XXXX  reports even though I sent them a copy of both reports. I do not know what   XXXX   XXXX   XXXX   is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my   XXXX   and Equifax report. The inquiry date is  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 explanation
Consumer complaint received 2017-05-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Amazon card issued through sycnchrony bank with a {$1000.00} credit line. On  XXXX / XXXX /  XXXX   I made a purchase for {$370.00} and then attempted a purchase for {$290.00} on or about  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received an email indicating this charge was declined, even though obviously within the credit limit. I called the number on the card, which is  amazon  customer service who said it was denied because it exceeded the remaining credit amount left. They said there was the purchase, but also a " pending transaction '' for over {$300.00}. I immediately freaked, thinking a victim of CC abuse. After speaking to  three  reps, they could not give me any more information and transferred me to synchrony bank. They said the same thing, could accurately identify the purchase made, but not the pending transaction. I honestly am being treated for   XXXX   and  XXXX  and this has me through the roof. I immediately canceled the card and told them I would make no payments now until I received an adequate response. Probably sue for   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 explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are not mine. Also, there is an address in which I have never lived there.

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 2018-10-20
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2018, I discovered negative credit item, XXXX XXXX, Acct # XXXX, ( original creditor XXXX XXXX ) had been re-inserted into my credit file AFTER they were NOT able to validate it. CRAs are required by the FDCPA to notify me within 5 days of re-inserting a previously deleted account. No such notification was received. Please DELETE this item 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 2023-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe following personal information is incorrect. The personal data reporting is inaccurate.

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 2018-10-20
Company: Experian Information Solutions Inc.
State: NY
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 HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-06-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX XXXX, 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 2022-03-22
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed my name would of came of on this Mortgage with Bank of America. I submit all proper form I don't reside at the XXXX, Florida that showing my name. It's 5 years my name is on Credit Bureau please help me get my name of the mortgage. Here 's my Email address 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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
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:
I won a judgement against a creditor oportun a loan company charging me when I did not owe them I sent the document enter by the courts and they are still furnishing the information without any verifiable information. They are also reporting errors such duplicate accounts with the same accounts numbers, the correct accounts displayed as it should in good standings and the other with a balance reported thats incorrect. Secured credit card accounts with XXXX and XXXX dollar secured limits that are being reported incorrectly with XXXX over XXXX XXXX dollars and the other over a XXXX that offered XXXX liability. A collection account from a duplicate account that isnt mine nor is the collection thats tagged on do to this inaccurate furnishing of information Ive sent proof and they are still furnishing this information incorrectly and its affecting my life in many ways and causing tremendous hardships. My information was compromised in a breach and do to this Im being punished by Experian for it. There not following the Fair Credit Reporting Act by continuing to furnish information that not correct or accurate and are not providing any verification from the creditors what so ever to verify the debt nor are they honoring the fact that Im a victim of identity theft as I disputed the items with identity theft being the cause. Its a travesty and I need help in correcting this matter as Ive exhausted all remedies to correct the errors with both the creditors and Experian. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca 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 explanation