BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Two issues with PP transactions. 
In order to use the prepaid card with PP the company requires a preauthorization code which is submitted together with a " fully refundable '' {$1.00} charge. It is not a first time that the fully refundable is actually not and as the screen shows my balance on the card is off by {$1.00}. The expired hold transaction shows up 3 times on the balance. 
Also PP when making a refund to the buyer on the unrelated transaction to the card is fully refunding the buyer however it is charging a commission to the seller such as myself. 
Although the transaction was not done correctly and I had to refund the buyer, the PP charged me XXXX cents " commission '' for refunding the transaction that didn't go through. IN other words PP is skimming off the top small amounts while stealing from people giving it business. It is not only reprehensible but illegal and I challenge PP to state in its XXXX XXXX  XXXX why it feels authorized to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. 

Now if you think your going to get away with saying your not going to investigate this matter because you guys find it hard to believe people don't read the FREE PUBLIC FTC website for their fair credit rights, then be XXXX if you'd like, ill humble all who has let this matter just get passed along with a heavy lawsuit ... I'll stick it so far up you staffmembers and the organizations XXXX, you'll have toes for teeth! 

DO YOUR JOB, YOUR NOT DEALING WITH A DUMBY HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. LITIGATION!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX  XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX  XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition they are violating my Ferpa rights in sharing my medical information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

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 2023-05-25
Company: EQUIFAX, INC.
State: NY
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Conn's, Inc.
State: TX
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 my previous complaint, I stated that XXXX did not reinvestigate my dispute for Conn Appliance Inc account number XXXX. I dispute the XXXX  year statute. Instead they updated the account to show a recent {$90.00} payment and they changed the date to reflect a new date that the account will fall off. The new date shows a date that will fall off sooner than the original date. This date is also an incorrect date. They claim to have forwarded me a copy of this dispute, however, they did not. The original alleged data furnisher has not sent me anything either. This report is charged off/ collection and is showing an open status with a past due balance. They can not do this. I ask that this account be removed immediately or I will continue to file disputes and complaints until they comply. XXXX does not reinvestigate properly and they do not furnish the requested information when asked what they use to determine the " validity '' of what the furnisher provides. This is why they continue to have have thousands of lawsuits against them. Most creditors do not even use XXXX anymore because they are not accurate. I have not made any recent payments to this account, especially not a {$90.00} payment. I will not be making any payments towards this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Access to my funds in a Merrill Lynch brokerage account were blocked for approximately two weeks. I tried to access my account balances on or around XX/XX/2022 only to find that the account was blocked. I had received no notice that my access to my funds would be blocked. After a XXXX minute wait time on hold, I spoke with a customer service agent at Merrill and he told me the account was blocked because Merrill needed to update the contact information for the secondary account owner ( my wife ). I thought it was absurd that they blocked my access to my money because they had an administrative task to complete, also this information is current on other Bank XXXX XXXX accounts that I hold. I provided the information, and the agent stated that the block to the funds would be removed. One week later, XX/XX/2022 the account was still blocked. I made several attempts to contact Merrill customer service again, and after a 45 minute hold I finally spoke with another customer service agent, who said all of the information was current and he could not see a reason for the block on the account. He escalated the issue and finally was able to get the block removed on XX/XX/2022. I have had this brokerage account for about 30 years, and this is the first time I have ever lost access to my funds. I don't think Merrill should have " frozen '' the access to the funds in my account due to an administrative deficiency. I would like the CFPB to look into this practice by Merrill Lynch and have them discontinue this practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
I DON'T HAVE ANY REPOSSESSION ON MY REPORT AND I ALWAYS PAYING THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

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 2023-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX. I was rear-ended which resulted in a total loss. XXXX my insurance company XXXX sent in their payment and I paid off the remaining balance of {$370.00} twice so far. The first time I paid the {$370.00} by debt card was on XX/XX/XXXX Capital on said they didnt receive it but my bank XXXX verified the debt card payment was approve immediately because the money was there and debt card transaction is immediate. So after arguing with Capital One Auto Finance and them stating that I needed to make another payment for {$370.00} to close out the account I did so again on XXXX XXXX and this took care of the remaining balance of XXXX. However today XX/XX/XXXX Capital One Auto Finance placed an other balance again for {$370.00} preventing the pay off. Also there was a refund check sent to Capital XXXX by XXXX XXXX for gap insurance and warranty coverage. I havent received a refund from Capital One and they keep charging me {$370.00}. Please review these financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between 9 different accounts : {$800.00}, {$6000.00} etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$8500.00}

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 2022-06-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two storage cabinets on my home depot store credit card on XX/XX/2022 for {$350.00}. When the order was not delivered, I had to wait months before that purchase was voided on XX/XX/2022, while still paying interest on that purchase as well as other legitimate orders before and after from that retailer.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
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, XX/XX/XXXX XXXX Account # XXXX,XX/XX/XXXX Account # starting with XXXX,XX/XX/XXXXXXXX XXXX Account # starting with XXXX, XXXX Bank Account # starting with XXXX,XX/XX/XXXXXXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXXXXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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