BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is against PayPal for their inconsistencies and discrepancy in handling of a dispute on transactions that happened on my PayPal account. I use my PayPal for purchases and payments on both recurring payments and purchases where the merchant only accepts payment through PayPal. Then I had a series of unauthorized cash advance payments on different credit cards between XXXX and XX/XX/2023. My first attempt to dispute these charges through PayPal came with a hostile response from PayPal denying my claim by comparing these unauthorized cash advance to regular purchases made which is totally absurd. I now had to dispute these charges with the credit card companies, and to my dismay PayPal continued to provide the same unscrupulous comparison of authorized purchases with unauthorized cash advances. To make matters even worse and more annoying, some of the unauthorized cash advances we resolved and others not, on the same claim that was filed. This is causing so much confusion between me and the credit card company because of the information provided by PayPal. PayPal should take responsibility that a series of unauthorized transactions is on them and retrieve the misleading and inconsistent information provided to the credit card companies. The Credit Card companies are : XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$2000.00} plus fees and interest during the period of dispute since XX/XX/2023, XXXX XXXX XXXX XXXX XXXX ending in XXXX for {$1100.00} and XXXX XXXX XXXX XXXX ending in XXXX for {$1300.00} ( of the remaining disputed charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Convergent Resources, Inc.
State: IA
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 received a collection letter from XXXX XXXX approximately one year ago. I have never had an account with XXXX XXXX, and have never lived in their service area. Indeed, they sent the collection letter to XXXX, IA, which is an address they should have known is inconsistent with an account relationship. I immediately called to tell them I had no relationship with them. I called from my cell phone, but did not give them my cell phone number, nor did I give them authority to call that number. Several months letter, I received a call on my cell phone from a collection agency. I again told them it is not my account, I have never had an account with XXXX XXXX, and I have never lived in their service area. They refused to provide any information to indicate that I ever had a relationship with XXXX XXXX ( e.g., original contract, address of service, date of service, etc. ). They simply said they would put my number on their do not call list. 

Today I pulled my credit reports because I am purchasing a new home, and there is an adverse item listed from Convergent Outsourcing collecting for XXXX XXXX that I have an account in collections. This is inaccurate. Both XXXX XXXX and Convergent Outsourcing are well aware that I have never had an account with XXXX XXXX, and that ( as the very credit report to which they made the fraudulent entry reveals ) I have never lived in a XXXX XXXX service area. This is merely a shake down because they skip traced my name to an address in Iowa, which they should know is inaccurate because my address history contains no addresses within the XXXX XXXX service area.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with Transunion, XXXX  and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a complaint to the better business bureau for Experian on XXXX in reference to Experian non compliance with performing reasonable investigations for XXXX Acct # XXXX. 

On XXXX Experian opened a dispute in reference to my complaint. How is it possible for Experian to complete their investigation on XXXX? When according to their website and the FCRA it takes 30-45 to conduct a reasonable investigation. They stated the account was but is reporting the same exact way. 

Please see attached.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill

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 2021-01-14
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a Huntington 25 Checking account on XX/XX/2021. 

I attached a promotion offer to my account opening for : " Get {$500.00} when you open a Huntington 25 Checking account and make cumulative deposits of at least {$15000.00} into the new checking account within 60 days. 

This offer is only available to : New checking customers. All existing Huntington checking customers, including those with any relationship ( including fiduciary ) to any other Huntington consumer checking account, or those who closed a checking account within the last six months, are not eligible. '' I have fulfilled the requirements stated and have not received the promotion as guaranteed in the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
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: Information belongs to someone else

Complaint:
On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from Experian about an address change to my credit report. Upon speaking with Experian, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. Experian instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: LA
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 told the Experian, XXXX, and XXXX to reinvestigate these attached erroneous accounts. However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How in the XXXX is there a balance on a charged off account? 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the attached items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX XXXX XXXX Reference # XXXX, XXXX XXXX  XXXX account 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 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 2023-08-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-07-05
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX failed to cancel my service and continued billing. I was a XXXX  XXXX customer for nearly 10 years prior to acquisition by XXXX XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX and made a request to cancel services. I was instructed to write a letter of cancelation with the corresponding address provided. I follo1wed the instruction provided and expected the service to be cancelled. In XX/XX/XXXX, due to a divorce, I left the address of service with the knowledge the alarm monitoring service was cancelled. On XX/XX/XXXX, my credit monitoring service alerted of a collection for {$390.00} by Zion Debt Holdings, LLC who apparently purchased the so-called debt from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I attempted to rectify the erroneous collection of debt, but I was told it was a penny to a dollar debt purchase made from XXXX. I called XXXX to explain how I ended up with a debt for services I stop using since late XXXX. Zion Debt Holings, LLC provided a contract transferred to XXXX with my bank information ( which is still the same ) where XXXX XXXX used to do their automatic billing. XXXX never made any attempts to make an automatic payment on my bank account, or I have ever received a debt collection notice by XXXX by mail or reported on my credit report. Zion Debt Holind is now pressuring me to provide a copy of cancellation letter sent to XXXX knowing the possibility of not having was in their favor. XXXX appears to have a history of complaints for the same issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Kimball, Tirey & St. John LLP
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: Information belongs to someone else

Complaint:
Kimball Tirey & St. John LLP is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. 

I spoke with XXXX at Kimball Tirey & St. John LLP and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it.

I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to Kimball Tirey & St. John LLP. 

This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a vacation from a company that went bankrupt due to COVID. The company was bonded if XXXX customer, but I am a US customer. I was advised to file and dispute with Citibank. I did this and provided all documents to Citibank to include charge bank instructions. The company, XXXX, has not disputed the claim or argued the charge back but Citibank continues to not follow consumers laws by not resolving and finishing the dispute. They have also attempted to close the dispute though I have shown proof for all they need to handle the charge back.

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 monetary relief
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
2010-2012 I had wells Fargo and they took money out my account without my knowledge so I closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: EQUIFAX, INC.
State: NY
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:
An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

Company response to consumer: Closed with explanation