BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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:
There is incorrect information in my credit report regarding a bankruptcy filing. I submitted a complaint in XX/XX/2022, yet the information remains. Additionally, I have disputed an address that appeared on my credit report that is not mine. I live at XXXX XXXX XXXX XXXX XXXXXXXX VA. The incorrect address that's being reported of XXXX XXXX XXXX in XXXX, MD is not my address and any account linked to that address should be removed. I have been patient in waiting for the credit bureau to take the appropriate actions, I have requested that they provide proof of how they obtained this information, however, they have failed to honor my requests and instead are refusing to provide the information I have requested. This has been an ongoing, back, and forth regarding this entry and the associated address. If I was financially capable, I would hire an attorney to sue the credit bureau, but unfortunately I am not in a position to do that so once again, I am relying on XXXX to enforce the laws concerning credit reporting requirements and move to take action against the credit bureau for reporting false/inaccurate information of which has caused me significant harm resulting from credit denials and higher than normal interest rates.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-04
Company: EQUIFAX, 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 XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXXXXXX XXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-04-01
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: Reporting company used your report improperly

Complaint:
All three reporting agencies are reporting medical information on my Consumer report. This is a HIPPA violation and should be remove 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 2020-01-17
Company: Experian Information Solutions Inc.
State: MO
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 filing this complaint because Experian refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-10-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed the account without any reason since XX/XX/ 2021 and they are not helping me to get it back. I am sure that I did not make any mistakes and they are not even telling me the reason of closure. I tried to get any answer from them many times but they are not giving any proper answer. They even held my money for 180 days and after 180 days they took all of my money ( {$1100.00} USD and XXXX GBP ) on XX/XX/2021 from my account. 
So I am filing a report here as they are not doing their job properly. They held and taken all of the money without giving a proper reason and it gave me quite a loss. 
My email linked to PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been attempting to freeze my XXXX kids ' credit with all three bureaus. I was able to freeze XXXX kids ' credit no problem and my oldest daughter 's credit with two bureaus with no problem the first time. However after 3 attempts over at least 6 months and being meticulous about ensuring all required items are submitted to Equifax each time, they always come up with some excuse for why they can not freeze my oldest kid 's credit. So now they have personal and sensitive documents to include copies of social security cards, birth certificates, and driver 's licenses which they have acknowledged receipt of three times, but every time I call, they can't tell me what they did with these documents and have no record of them despite them sending me letters saying they received the items. They also still have not frozen the credit for the information that I can only assume is now more at risk with their mishandling three times. They simply send letters each time asking for the same information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21 I tried to make a XXXX transaction of {$1200.00} that did was rejected by chase. My online access was blocked until I verified my identity. I verified my identity in the chase mobile app, confirmed I initiated the transaction and was instructed to resubmit. I resubmit the transaction only for the same thing to happen. I contacted Chase customer service and was instructed by the customer service representative to try the transaction again with her on the phone. The transaction was rejected again and my accounted was locked. The rep transferred me to another department. Whole on hold I received a call from someone claiming to be in Chase 's fraud department. He asked some " identity verifying '' transactions but one of them was to give the first, last name and date of birth of one of my relatives. That didn't seem like a question the bank would ask me and I refused to answer. He instructed me to call chase. When I get through to a representative at chase was asked for my debit card number but I have not yet received my debit card. The representative put me on hold only to come back and tell me chase has decided to end the business relationship and not provide an explanation. I asked if I could go into a branch to withdraw my funds and I was told that I would be mailed a check which is ridiculous. I just want to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Called XXXX XXXX to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then COVID. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!

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 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
Hi My name is XXXX XXXX and I have been a loyal customer with Bank of America ( BofA ) for more than 10 years. I have started using their credit card approximately 3 years ago. Since the beginning, I used BofA 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on BofA 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and BofA did little to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope BofA can revert the late status on these payments 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 2023-06-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XX/XX/XXXX, some XXXX stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XX/XX/XXXX. It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony , and XXXX XXXX XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX, I am not in collections. I don't know what to do to resolve this. 

This was the exact copy and past from my previous complaint, # XXXX. Here is the new information. Instead of Paypal/Synchrony trying to work with me, they have decided to sue me. They are using XXXX XXXX XXXX XXXX XXXX XXXX from XXXX NC. Fee 's and interest have not changed, nor can I get a person from Paypal/Synchrony to contact me through email, because my phone is off. The dozens of people I've spoken with, I've told to contact me through email, and they still don't listen. This is outrageous. What am I supposed to do? This debt is partially on them, they allowed someone else to use my account, and to change the information there, preventing me from being able to simply access my account. I want to pay my bill, for what I owe. It wont be a lump sum, it will be monthly, as I continue to get out of debt from some XXXX stealing my identity. 

I would think allowing me access to my accounts, to pay them down, would be a better option than suing me, but I guess big business would rather XXXX people than do whats right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing information with the credit bureaus but nothing has changed ; there is an account by the name of PORTFOLIO XXXX XXXX that is reporting to my credit that reports as a Factoring Company. I have no idea who they are, or why they are reporting to my credit, I have filed disputes against the company with the credit bureaus but nothing has been removed. All that it states that the item was disputed and that the issues have been resolved but I disagree and I have been going back a forth about this issue to no avail.

Company response to consumer: Closed with explanation