BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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:
In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of Downtown LA. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. 

On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. 

I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. 

I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. 

This is ... ..wrong. Please help. 

Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
BOTTOM LINE : PayPal opened an account in my name without my consent, is holding credit card reimbursements in that account and telling me I have to pay them a 1 % transfer fee to have the funds sent to my credit card. 

FULL EXPLANATION : PayPal used a reimbursement of {$1100.00} to my credit card through PalPal to open a PayPal holding account under my name without my consent. When I called customer service on XX/XX/2019 to ask that the holding account be closed and the {$1100.00} be reimbursed to my credit card, XXXX ( the customer service representative ) told me that I could transfer it back to my credit card for a 1 % transaction fee. When I objected, XXXX talked to her supervisor and told me the full balance would be returned to my credit card within 24- 72 hours. When I called back 48 hours later on XX/XX/2019 in response to additional reimbursements being held in the holding account, the PayPal customer service supervisor XXXX told me it was a " computer glitch '' and the " engineers were working on it ''. I asked to be reimbursed so that I did not had to bear the cost of the glitch. XXXX said he could not do that but that I could transfer the funds myself for a 1 % service fee. It is now XX/XX/XXXX and PayPal is still holding {$1100.00} the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Somebody paid the bill from my Bank of America account via bill pay. 
It is a fraud. And I reported it to Bank of America but they denied my claim due to insufficient evidence. 

Date : XX/XX/2022 - {$9200.00} withdrawn by XXXX XXXX XXXX XXXX XX/XX/2022 - $ XXXX withdrawn by XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX this fraud activities on XX/XX/2022 Date : Bank of America noticed me on XX/XX/XXXX that they deny my claim due to no sufficient evidence. 

Date : XX/XX/2022 - I visited Bank of America to reclaim it. 
Bank of America asked me, Credit report to prove this XXXX XXXX Bill is not mine. I faxed for both of mine and my husband 's credit reports on XX/XX/2022. 
As per BOA, that transaction was incurred on Online so they need a proof of Credit Report. 

Date : XX/XX/2022 - They denied my claim again due to no sufficient evidence. 
As per BOA, that transaction was incurred via phone so BOA asked me to provide some report from XXXX XXXX XXXX XXXX my cell company ) that I haven't done anything on phone for the bill pay. 

Bank of America asked me to go to XXXX XXXX XXXX and get a report that I didn't do Phone transaction for above fraud bill pay with XXXX XXXX XXXX XXXX. As per XXXX & XXXX, they found nothing on my phone records that those fraud transaction instructed by me. They said, " how can we provide a report that not happened? '' ** I don't have XXXX XXXX Credit Card. 
** I don't have XXXX XXXX. 
Those Bill payment was not made by me and my husband. 

Fraud protection is a duty of Bank. They ( Bank of America ) didn't report me anything when those fraud transaction happened on my bank account. They haven't even recognized it. 
On the fraud transaction, there is no ACH account number and no name on it. 
How can I provide an evidence that those transactions were not made by me? When hacker hacked your bank account, can Bank of America provide specific evidence who did and what account number? 
Bank of America has no responsibilities to customers and they didn't do enough their job and transfer the responsibilities to customers. 
When some hacker hacked my bank and bank has no responsibilities, how can I trust Bank and save my money on there? 
I am so disappointed on Bank of America services and I have a deep complaint about Bank of America services. 

Please help me out.

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

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 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Chapter 7 bankruptcy from over 10 years ago on Trans Union. The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 2019-01-30
Company: CITIBANK, N.A.
State: NY
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 had my check that was mailed to my utility company stolen out of a US mail box in XXXX XXXX, NY back in XX/XX/2018 and the check was fraudulently altered by someone and was deposited in that persons account into a XXXX  XXXX XXXX. I found out about this incident a month later and immediately notified my bank Citi Bank and they filled a report with there fraud department and they told me that they will investigate and credit me the amount that was taken within 90 days. It is now over 120 days and I have been calling them on a weekly basis and they are not giving me my credit because they are claiming that they are still waiting on XXXX  XXXX XXXX to respond to them, and until they don't respond they can not give me any kind of credit not even a provisional credit. I would like to get this credit from my bank Citi Bank. A copy of the cashed check is attached here for your review. 
My case number with Citi bank is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped 84 points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my 2 car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped 84 points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the 84 point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I fill an application to a secured credit card with Discover 7 months ago. I pay directly from my account {$1000.00} to them. I waited 3 months and in the meantime i call 6 times because i didnt received the card and they keep saying to me they going to send it again but i i never received the card and we recheck the addresses and was correct. So then i decide to close the account and ask for my money back on XXXX and they tell me it has to be in check and by mail. I explain to them that for some reason i dont understand i didnt receive mail from them and thats the reason i closing it so obviously if them send the check to the same address by the same mail i dont going to receive the check. They told me that was the process and they cant do different. So i waited and again the same problem, i didnt receive my money so the tell me i have to wait 30 days for a reason from the mail that explain why i didnt received the check, and they cant send it to another address and cant deposit to my account. Every month since i call them and they answer the same thing. I dont know what to do i waited 4 months and nothing happens and also they send the report to my credit, they affect my credit for a card they dont send me and now i have worst credit, no card and no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
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:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX  with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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 information incorrect

Complaint:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2022-04-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This correspondence is regarding Convergent Outsourcing, which claims I owe a balance of {$2400.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I have requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Any and all negative mark found on my credit reports ( including XXXX, XXXX, XXXX, and any other credit reporting agency they have reported to ) for a debt that I dont owe, is a violation of the FCRA & FDCPA. 
I have been harassed by calls daily. Each time I ask for verification and ownership of the debt, and nothing has been provided and if they can not validate the debt, Convergent Outsourcing must delete all entries with all credit reporting agencies. 

Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Nelnet, 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 information incorrect

Complaint:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over XXXX in charged off accounts that should not be appearing on my credit. I have tried for years between the department of education, and Nelnet to get this fixed, to no avail. Please help get this fixed I am desperate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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