BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-18
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: OH
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:
Under article I this account is reporting as a collection, with a balance. The data in fields 17 and 12 are not accurate. Most important this is not 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 2022-05-18
Company: EQUIFAX, INC.
State: CA
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:
on XXXX I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, Equifax, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for Equifax XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I paid off an {$800.00} debt to Solomon and Solomon for an old utility bill with XXXX ( See attached proof of payments ). After paying the debt off, the debt reappeared on my credit report with a different debt collector. This debt has been paid and I do not owe {$800.00} to XXXX. XXXX, XXXX because the debt was satisfied prior to being sold to XXXX. XXXX. I paid the XXXX bill, and do not own any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of 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 2022-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$490.00} ; XXXX  XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX  XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX XXXX took XXXX and XXXX ... on XX/XX/XXXX and XX/XX/XXXX XXXX credit took XXXX XXXX in XXXX Georgia took XXXX i called the wsy 2 go card they acted like they couldn't help me get my money back and one time before my card was stolen and someone used it as credit and got over XXXX cash and i reported it to them they did nothing i need my routing and acct number they want giv me that i need them to unlock the acct so that one place can refund my money this is all the income I have im a single parent and I need this thanks GOD bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: John C. Heath, Attorney at Law, PLLC
State: MN
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:
Hi, The following companies need to be removed off of my credit reposts. I have been working with Lexington law firm and the refusal to have these items removed has caused financial distress to me. 

XXXX XXXX XXXX XXXX  has been paid off and the late fees and payments have been reported incorrectly. 

XXXX XXXX XXXX- That was paid off and should be removed from my credit report. 

XXXX  XXXX XXXX  - Did my loan over and the past loan was incorrect. ANY DATA FEROM TEHN FIRTS LOAN SHOUDL BE REMOVED BECASUE I WAS OVERCHARGED AND THAT AMOUINT WA INCORRECT. THAT IS WHY MY LOAN WAS DONE OVER AGIAN. 

XXXX XXXX XXXX  This loan has ben paid OFF We Bank and Getting reported false information and did not follow their payment coverage for loss of job and wages. I did not get unemployment and they continued to make it hard for me to utilize my payment coverage for being unemployed. There should not be a charge off or a collection on my account. They falsified information and my balances should be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: OR
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  are inaccurately reporting on my consumer file with XXXX and Transunion. This account was taken out fraudulently in my name. They are coming back saying accurate which it is NOT. They are in violation of my privacy as a consumer of the FRCA. My bank has closed the account linked to this activity. I have disputed this information more than 3 times and it is not verified correctly. This company is in violation of code 15 USC 1861i. of the FRCA. I am going to pursue legal action against this company if they do not remove the account and stop reporting on my consumer 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I XXXX XXXX was approved for a Title Loan with First American Title Lending for {$3000.00} upon approval I agreed to repaying the loan in full making monthly payments of {$310.00} per/month totaling {$3300.00} if paid in full XX/XX/2022 {$3000.00}. XX/XX/2022 call to make a payment ask for the balance of the loan representative responded {$3000.00} I ask how is that possible I have made payments from XX/XX/2022 on time to current Rep apologized for the incorrect information provided stated the monthly payments applied was to continue the loan I responded that was not the agreement. I contacted XXXX New Deal XX/XX/2022 ( XXXX XXXX XXXX ) approved the loan paid off the total amount in full to First American Title Lending. 

First American Title Lending 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 explanation
Consumer complaint received 2022-02-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a credit card account with XXXXSynchrony bank  . I had a past due amount of {$89.00}. I forgot to make my payment so they constantly called me. When they couldn't reach me they got my neighbors at # XXXX XXXX XXXX ( XXXX and XXXX XXXX ) to steal my packages from XXXXXXXX XXXX. They contacted XXXX 's and told them to deny any purchases I attempt to make at the store and to force me to call Customer Protection to verify my phone number. While speaking with Customer Service at XXXXXXXX XXXX the representative asked me to verify my phone number, whether I had a cell phone or landline and if she could call me back on the number. I have shopped several times via their website and have never had to verify my phone number. 
My account balance at XXXX is {$0.00}. XXXXSynchrony bank have engaged in several illegal tactics to collect their debt. From getting drivers to lie and to spy on me. In addition, my balance was {$270.00} on XX/XX/2022. They are charging me a {$40.00} fee for the late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 convergent account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action

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 2022-07-25
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX XXXX ( Finance ) XX/XX/2021, XXXX XXXX  ( Finance ) XX/XX/2021, has violated my rights, by farming my information out resulting in multiple inquiry negatively impacting my credit report. 

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 non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: LA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been being charged late fees, for having late fees even after I pay my required minimum account balance of {$55.00}. 

I made a large payment on my account of {$320.00} on XX/XX/2022 which was XXXX days before my payment date of XX/XX/XXXX. 

I was XXXX days late in XXXX paying my bill on the XXXX and they charged me {$41.00} late charge. I called them and tried to dispute the late fee after I just paid a large sum to them and they refused. 

Since then to current, I have been paying my minimum payment on time but they have been charging me late fees for not paying the late fees. 

That is causing my account to look like it is a delinquent account and it is not at all. 

I tried calling them again and spoke to a supervisor but they give me the same song and dance about I had a fee waived in XXXX and they wont take any late fees off. 

I do not want them to report to the credit bureaus negative on my credit history because I do have an exceptional history of payments. 

In the beginning of my account with them unbeknownst to me they dropped my credit limit for my account which in turn had a negative affect on my credit history. I would not like to have them pull something like that again so please help me to have the necessary fees waived so I can have my account in good standing like it should be.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
I received my reinvestigation Report # XXXX XXXX from Experian on XX/XX/2022. It states that all accounts are 100 % complete and accurate. I would like to receive the discription transcript according to 15 USC 1681i ( 7 ). 

The of the list of accounts below are not accurate, the open date, date last active, date of last payment is NOT 100 % 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  Experian did not modify nor delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief