BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: TN
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. I gave you both credit reports with before and after errors. 

1. XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX expedtiously due to they have been reinserted again inaccurate which is against the law. 15 U.S. Code 1681 ( a ) 5 ( B ) ( i ) ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2021, I checked my experian credit report online because i got a alert saying my credit score increased to XXXX.On XX/XX/2021, I got a alert saying my credit score decreased to XXXX with a 7 point decrease.From what i understand, credit scores are done on a monthly basis and for a score to decrease in 3 days of a increase doesnt seem correct.This didnt happen on my other credit reports

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 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: NC
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 my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GAXXXX XXXX XXXXXXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX 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 updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2023-07-27
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023 I redeemed XXXX points for a {$50.00} XXXX Gift card. It was marked shipped on the XXXX. Shortly after I enrolled my account in a payment program, and it was marked closed. 

I did not receive my Gift Card although it was marked as complete, so I contacted Barclaycard support on XX/XX/XXXX. At this time I was told that they would investigate the incident and get back to me with a solution. 

I did not receive a follow up, so I called again on XX/XX/XXXX. I was told to call Mastercard to figure out a solution, but after calling Mastercard and realizing they could not help me with Rewards issues through Barclaycard, I called again the same day. 

I was told that they had refunded my account the XXXX points and that it should be in my account within a few days. I stated that I was in a payment program and my account was closed, and asked if it would be an issue. She said it wouldn't be an issue at all. 

I waited a few extra days, and not seeing any points in my account, I called again on XX/XX/XXXX. I was told that indeed the problem was that they attempted to refund the points, but because my account was closed, it was not possible, as I had stated several times that it might be. The woman on the phone then stated she would create a new support ticket and elevate the issue. I stated I did not need the points, simply to get my gift card sent to me. She said they would communicate by mail the solution. 

On XX/XX/XXXX I received a letter from Barclaycard simply stating they could not help me with my rewards issue. I called again that day, was transferred to different departments, and stated that this was not okay and I need a resolution, which would be to resend my gift card. I was told because my account was closed and because it wasn't in " good standing '' that there was nothing they could do. My points were redeemed and card was shipped before my account was closed and I am in a payment program which has made all payments, although that should not matter anyway, as this was redeemed and shipped before I even closed my account. She stated she would send an email to the rewards department. 

Today, XX/XX/XXXX, I received a letter again stating they would not assist me with my gift card issue. 

This is not acceptable. I earned points on my account and redeemed them for a gift card that I did not receive as a result of a failure on Barclaycard or the shipping company. This is a large credit card company and this should be a non issue.

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 2023-01-13
Company: OneMain Finance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Where do I start? This company is a scam and takes advantage of people with bad credit. In XX/XX/XXXX, my husband and I desperately needed a car and took out a loan from One Main Financial. The loan was for {$10000.00}. The car that we purchased was only about {$4500.00} so we the rest of the loan we took and put it towards the balance of the loan.

A couple of months later, I checked the balance and noticed that the balance wasn't really going anywhere. So I gave One Main Financial a call and the lady advised me not to worry that the balance went toward the car and that interest was accruing daily. She advised me to keep the interest down, I would need to make small frequent payments and that's actually what I did. 

Yesterday ( XX/XX/XXXX ), my husband and I called because we wanted to completely pay off the loan but realized the payoff amount was {$1000.00} more than the balance ( even though we have been paying on the interest for a year )! Mind you we have been paying on the interest and the principal balance was not moving. When we got on the phone with the lady, she was extremely rude and told me that since we made a big payment we may not be eligible to make payments on the principal balance. What?!!? And if I was eligible, we would have to come into the office to make a principal-only payment.

She kept trying to argue with me and I told her this was not properly explained to me nor was the amount of interest that we were paying. This company is taking advantage of people who need money right away. She continued to tell me, " well any loan that you have is going to have an interest. '' I told her I understand that but you are continuously adding on interest. 

This was not properly explained to me during the loan signing process and I believe they are making XXXX of dollars off of fraudulent finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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 2023-10-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been battling with APPLE CARD/GOLDMAN SACHS BANK USA for over 6 months regarding billing issues amongst other things. I have sent them several mailings to which no response has been given, I have reached out via text messages and eventually they just decided to charge off the account instead of providing documentation I requested other than monthly statements. I have in numerous occassions brought to their attention this is credit line that is for personal and household use, I have requested proper accounting and for them to review the billing errors, no response and no action taken on their behalf. I have also disputed this account several times with the credit reporting agencies and it comes back as dispute " solved '' yet I have not been notified of said investigation process nor how they have " validated and verified '' said information to be true and accurate. My final mailing to APPLE CARD/GOLDMAN SACHS BANK was in XXXX and I still do not have any response. I am formally complaining to CFPB as it is my undertanding this is the correct way to start my process and get this issue resolved as it is causing me damages. I am providing a copy of what my consumer credit report shows as of today, a copy of my last mailing to APPLE CARD/GOLDMAN SACHS BANK , a copy of the AGREEMENT, and one last and final question : the IRS considers charge-offs to be income. However, the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 1 ) ( A ) of the FCRA specifically prohibits the reporting of income on consumer credit reports, with that in mind, APPLE CARD/GOLDMAN SACHS BANK has several violations without getting into detailed review of their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Ok so I had had to file a complaint about unaccounted for money in regards to my deduction and additions pretty big difference and lucky im smart so I've got screen shot of transaction in one location in my bills and then hours later new ones that were previously days before that they swear had been " pending '' what they do is take it that day say its a hold then take it again so now that I've made it known gotten a lawyer and let them know every payday I have my card locked before I make my first transaction so I go to atm XXXX my time of course card doesn't work they have blocked it and I have to call and unlock card then halftime I call about this or missing money situation they laugh at me and have me hold for hours transfer me back to first deep after numerous complaints XXXX just to be hung up on bank of america has successfully between outright stealing my money and charging XXXX dollar outside network adnthe XXXX per atm and debit transactions eat up at least XXXX XXXX dollars monthly maybe upward of XXXX this misconduct and mismanagement of my money has cost my credit score severely and made me unable to pay creditors borrowed extensively from friends and family lost car XXXX my dog run off and my ole lady

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 2022-04-26
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to Experian. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To Whom It May Concern : The reason for my dispute is the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX  # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX & XXXX # XXXX XXXX I am unable to locate documentation that they complied with these requirements, which is a violation of the FCRA & FDCPA 609,623,611, Section 807 ( 11 ) & FDCPA 809. Under Sec. 809,  they failed to send me my initial communication before placing these alleged items on my credit reports ; further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC and XXXX Police Dept. I  need these miscellaneous accounts to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really infuriated now! As if all the efforts Im putting into this are nonsense, you are so negligent! What is happening over there at the CFPB and Experian?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Experian report. I have done my responsibility to submit to you my personal information, my dispute letters, and the FTC report to prove to you AGAIN and AGAIN that I am a victim of identity theft. So what else should I do? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Please DELETE this damaging information from my file right away! 

XXXX XXXX A XXXXXXXX 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 explanation