BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, Equifax and XXXX and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, Equifax, XXXX and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
after a XXXX XXXX northern dist. Illinois over 20 years ago credit score will not go higher than XXXX and stays in the low XXXX 's XXXX XXXX XXXX XXXX  PAID OVER {$40000.00} OF OVERDUE BILLS XXXX XXXX SCORE NEVER WENT OVER XXXX why in America to a American

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Experian Information Solutions Inc.
State: TX
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:
file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 05 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : 06 XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. 

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-11-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: In progress
Consumer complaint received 2023-05-24
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Our solar panel installation company offered a {$500.00} gift card if a referral was made to another individual and that individual also purchased panels. 

I made the referral, the individual purchased panels and Omnicard.com, on behalf of the the solar company, sent me a {$500.00} prepaid card in XX/XX/XXXX. 

The prepaid card, from Omnicard.com, came with a one year termination, XX/XX/XXXX. We did not get a chance to use the card so asked for the date to be extended. The prepaid company said they would not extend it and said the card was now expired with funds forfeit. 

When I pointed out that Massachusetts and Federal law prohibits a 1 year timeline, they responded saying " The card that was given to you is not a prepaid or credit card but a reward or promotional gift card, loyalty, award or promotional gift cards are not subject to extending expiration dates. Your card expired on the date printed on the front of your card. Once that expiration date is reached, your card will no longer be usable and the funds will not be accessible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I provide legal services. A payment was sent to me via Paypal and I received notification via my Paypal account that payment had been received by Paypal. I took the necessary steps to confirm the payment and created the invoice for the services on the Paypal site. I then received notification from Paypal that the funds were on hold and would be on hold until XX/XX/2023. It was my understanding that creating the invoice and confirming the payment would result in release of the payment. I spoke to my client who also called Paypal and confirmed the payment. He gave me the number for customer service where he had just spoken to someone. I called this number and the customer service representative told me that the funds were on hold and would remain that way. I am not aware of any prior communication from Paypal that gave me notice that payments would be placed on hold. I note that Paypal immediately deducted their fee. There is no basis for placement of money on hold which is received by Paypal. I would like for an investigation to be conducted of this business practice of holding funds. It is my understanding that this entity is in the practice of funds transfer and should undertake this process without a hold on funds in their possession. If the practice of Paypal is to hold funds this information should be conveyed to Paypal users.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-08-31
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Mountain Run Solutions, LLC
State: MD
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:
Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting XXXX shows reporting on time payments XXXX Show no reporting Demand account deletion on XXXX and blocked

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 2020-03-21
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Citi has sent my home equity line to XXXX for servicing. And now my balance is displaying incorrectly on Citis web site and mobile app. As of XX/XX/ it shows a balance of {$140000.00} whereas the correct balance - as displayed on XXXX web site, is {$99000.00}. 

Im sure this discrepancy is causing a lot of confusion and stress to Citis customers. I would like this issue fixed for myself and all other customers and some goodwill compensation for having to be the one to point this out to the company.

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 2022-03-28
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-05
Company: United Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2023 United Collection Bureau , INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX sent a letter to my bank, XXXX XXXX XXXX, with the heading " CLAIM OF LEVY ''. Telling my XXXX XXXX XXXX to place a ( 60 ) day hold or restriction on all withdrawals on the account. The problem is that this letter is a Fraudulent Collection letter. Its not signed by a judge or court ordered. XXXX XXXX XXXX still put a hold on my account because of this letter. As of XX/XX/2023 my account is still being restricted even after talking a Manager at XXXX XXXX XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: MD
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:
Experian violated my rights under FCRA, 15 U.S. Code 1681a, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; If this statute is law, then you can not report any of the aforementioned on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX  Account number XXXX 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 XXXX not furnish an account with my written instructions.

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 2023-01-01
Company: Experian Information Solutions 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:
Ran a credit report a the experian credit report showed theres a collection from a company where it states I owe XXXX dollars to an account opened in XXXX XXXX. This is not possible because I was on XXXX and out of the country around that time. I did not open any accounts with the company that made the erroneous report. I filed a dispute with Experian and after around 2 weeks, they deemed their report as accurate saying that the company stated I have an account. This is not accurate. I have never opened an account wherein I have a collection made against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief