BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was notified by PayPal that I owed them XXXX for XXXX bills presented by XXXX : XXXX for XXXX and XXXX for XXXX. 

I immediately transferred XXXX. You will see it in green with a + in the docs I am sending you XXXX XXXX XXXX XXXX XXXX + {$23.00} PayPal then rebilled me a second time. They drafted my chime debit card {$5.00} AND XXXX a second time on XX/XX/XXXX. 

Then this morning on XX/XX/XXXX, they refilled for a third XXXX. They thought I would not pay attention because it was combined with another payment of XXXX making it a total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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:
XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from XXXX XXXX and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and XXXX and Equifax keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-03-21
Company: GOLDMAN SACHS BANK USA
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 have tried reaching out to the company, XXXX XXXX XXXX GOLDMAN SACHS BANK XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX This company has placed erroneous information on my credit report. My identity was stolen and was used to apply for a credit card. If you would take a closer look at my credit history, I have impeccable credit, no attempt by creditors to collect, no late payments or defaults of any kind and have never defaulted on a loan, so why should I do so now? Even though the company closed the account, Remarks CLOSED BY CREDIT GRANTOR. My credit report still shows that there is a balance of {$8900.00} and I don't want this showing on my credit report. This company should not even be on credit report at all. 

Here are some additional questions that I feel should be investigated : Does the company show where they mailed the credit card to, was it to my home address or to an email address? Was it a credit card or was it an e-card? Do they show when and where purchases were made by me, the real XXXX XXXX? Did they ever send me a statement of any sort, or do they have any other proof that I actually received the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Bread Financial Holdings, Inc.
State: AL
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:
In XX/XX/XXXX my XXXX XXXX XXXX Credit Card, issued by Commenity Capital Bank was closed due to the joint applicant filing for bankruptcy. Prior to the filing, the account had NEVER been paid late, ( I was also able to get Commenity to verify 4x that I had never been late on the account ), however in XXXX & XXXX of XXXX two late payments were reported to all 3 bureaus for this account. This is very inaccurate, as this account had already been closed and included in bankruptcy. Commenity could be in a lot of trouble if I move forward with my attorney, as this is considered an act to try and collect after a bankruptcy has been filed and discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-01-05
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
XXXX  and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Hard inquiry/ Hard Pull by XXXX XXXX on XX/XX/2023 that I did not authorized.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; 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 2019-01-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  v. XXXX  XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) HSBC XXXX XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX  cc : XXXX  Settlement Class Counsel XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX bank / XXXX has an account on my credit report that I have no knowledge of account # XXXX that was opened XX/XX/XXXX with an update status of XX/XX/XXXX, there are missed payments thats dated XX/XX/XXXX and XX/XX/XXXX that no information was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX, I reached out to XXXX XXXX in reference to inaccurate late payments on my credit report that varied from bureau to bureau. Just today XX/XX/2020 I received an update that XXXX XXXX had updated my credit report showing my account late as of XXXX and XXXX of 2020 when the account closed XX/XX/2020 and paid in full. They then went on to report that I was currrent XXXX and XX/XX/2020. This is against the law to do what they are doing. This account was closed. I should have NO LATE PAYMENTS. I AM TRYING TO PURCHASE A HOME AND THIS NEW INFORMATION THAT THEY HAVE UPDATED XX/XX/2020 TO REFLECT I AM 30 DAYS LATE AS OFXXXX XXXXD XX/XX/2020 IS OBSURD AS MY ACCOUNT WAS CLOSED AND PAID IN XX/XX/2020. THEY ALSO REPORT THAT I AM CURRENT AS OF XXXX AND XX/XX/2020 ON A CLOSED ACCOUNT. MAKE IT MAKE SENSE! I AM DEMANDING THE LATE PAYMENTS ARE REMOVED, NOT THE ACOUNT THE LATE PAYMENT

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 2023-01-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I was scammed by a man asking me for a jump start outside a mall in the XXXX Florida area while on vacation in late XXXXXXXX XXXX XXXX  He asked to use my cell phone and while doing so accessed my XXXX wallet to send XXXX dollars to an unknown number. XXXX of this was from my apple wallet itself, and the other XXXX was charged to my Navy Federal Debit card. I immediately called XXXX to claim fraud, and they began an investigation into their part of the money ( the XXXX ) and instructed me to call navy federal to begin a claim regarding the other part of the money ( the XXXX ). I did just that and Navy Federal began their investigation while crediting the money back to me for the time being. A few days later XXXX contacted me telling me they had found the charge to be unauthorized and returned the XXXX to my account. In late XXXX of this year, navy federal contacted me stating they had concluded that no unauthorized transaction occurred and removed they temporary credit from my account. When I contacted them, they refused to give me a reason why my claim was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX on XXXX received a phone call form ( XXXX ) XXXX explaining to me they need to verify personal information to have a process server come to my home because I was being sued. 

I asked what this was about and asked for their name, but the female representative did not give me her name, nor could she tell me why. 

I explained I was not comfortable give her any information, so she gave me the name of her law firm " XXXX XXXX XXXX  '' along with the phone number ( XXXX ) XXXX. She gave me a reference number " XXXX ''. 

I called the above number, a receptionist picked up the line. I explained what happened and gave her the reference number. Again, the person did not give me her name, and stated an attorney would be with me in a moment. After about XXXX seconds, she came back on the line and stated the lawyer was in a meeting, and she could help me. 

She stated I owed over {$13000.00} on a XXXX credit card from CITI Bank that was close doff in XXXX. I stated I need to see paperwork on this accusation. The receptionist stated we received something in the mail on XX/XX/XXXX, but we never received any notices or letters regarding this. I asked if she could mail it with signature confirmation, or if the process server could give that information to us. 

She stated we're going to lose our home because they were going to put a levy on it, and we'd be in financial ruin if we don't " resolve this debt today ''. 

I thought this business was a law firm, but I think they deceived me because they sounded like a debt collection company. 

I've never been threatened like that before, and didn't know who to turn to. Any help would be appreciated. 

I have a copy of my phone log wit timestamps if needed.

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 2020-02-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2019 at Citizen Bank Branch Philadelphia Opened an credit card due to a promotion they advertised that I would be receiving 15 months 0 % interest. 
The first page of their promotional campaign stated introductory rate 15 months 0 % it was refering to balance transfers. This was not communicated as such in that 1. This is my bank i was defaulted to trust, i have money in this bank. 
2. I told them i would be making a large purchase 3. Most credit card companies offer me 0 % interest on purchases at my home, i was thinking maybe i would give my bank the interest. 
4. The promotion was misleading, in that what is so fantastic about receiving a credit card for 17 % interest? 
5. I believe the promotion was intentionally misleading, and could be interpreted that this was for purchases the promotion. 
I would like for them to honor the intention of the promotion, as understood by me the client. 
I have contacted bank to no resolution just being pushed around various offices.

Company response to consumer: Closed with explanation