BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MD
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 had a debt with XXXX XXXX that they charged off. It shows on my report as charged off however the amount owed is incorrect from the original amount owed in addition to it stating that I have a balance owed. They also keep changing the date of the debt. It is over three years old almost but they have it reporting as a new debt. They can not charge the debt off and get compensated on their financial reporting status and still post on my credit report as a balance owed. Experian says they have investigated more than three times I believe but will not delete the erroneous information on my credit report in addition to making it look as if it is a new debt. Please have the items removed from my report that are in violation of debt reporting guidelines. They have recently posted it as XXXX XXXX in the amount of over XXXX. As you can see the debt amount was XXXX and was written off by 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 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been in contact with Equifax about inaccurate information on my credit report. Even after notifying them many times about these errors, they continue to report this inaccurate information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
I have Mailed XXXX XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be 100 percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed 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 explanation
Consumer complaint received 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My parents ( my name is on the certificate as well ) deposited {$11000.00} dollars into a " Savings Certificate '' at XXXX XXXX on XX/XX/XXXX94 which is now Bank of America. It earned interest and was set to mature in 36 months. The savings certificate looks like a check and has an area for the endorsement on the back. My parents put the certificate in their safe deposit box and forgot about it. The bank has no record of the certificate and stated that their records only go back 7 years. They told us to check with unclaimed property. We checked with the Georgia Department of Revenue and unclaimed property and it is not there either. I also called the Bank of America corporate office and was told the same thing as the local Bank of America.

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 2022-06-01
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:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXX to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
After being a customer for over 29-35 years ( first credit card ) I had my ID stolen and stopped doing business online for a while with all companies. This caused me to have one missed by a few hours payment in XXXX XXXX. Then in XXXX XXXX, I completed paperwork to setup auto pay. In XXXX, it was not yet set up for some reason and I missed a payment because I thought the autopay had been setup. I was told that this {$25.00} fee would be credited on my next bill and I should wait until I received the bill. I called customer service and was now told that I could not get money back due to having one late fee credited in XXXX. I aske d for a manager to call me and they called but I did not get the phone fast enough. Then I got a letter and when I called back today I was told by a " manager '' XXXX that she was NOT authorized to override the system 's decision to not give credit or a previously promised late fee by customer service. I have been a loyal and pay in full customer for over 29 years or more. I find it hard to believe that this company has no way of empowering their managers to do anything now that XXXX is over XXXX and was promised a late fee credit previously and since it was due to their lack of setting up the auto pay when it was sent in the mail to them in XXXX XXXX. I do not like getting late fees, nor have I for many years. Their system creates this without override capabilities and the manager has no ability to make a very long term and good customer happy anymore. I think this is a new phenomenon. no contact information to contact the company or a person empowered to do this can be provided.

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 2023-05-10
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:
Attempted to send a debt validation letter to the company on my credit report, the information they are reporting for their information is inaccurate so I was unable to open a dispute. Letter was returned insufficient address for the company. Because their information reported on my report is incorrect Im uncertain and unclear if the debt they say I owe. This has cause defamation of my character and caused and inconvenience.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( XXXX ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXX to file a complaint as well.

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 2023-06-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a {$2000.00} transfer through PayPal and then transferred the {$2000.00} to a friend who indicated that she needed it. She resolved her financial issue and went to send it back to me when she found that PayPal had put a 21-day hold on the funds because of '' increased activity ''. Whose, mine or hers? And hw much activity is too much? 

She has called PayPal customer service several times to ascertain why the hold has been placed and no reason could be provided. After making several calls she got a PayPal supervisor who advised her that the funds were available. When she went to link her PayPal and her bank card to the account to put the funds inti her XXXX XXXX XXXX account, the card ( s ) would not be accepted. From a major financial institution, why not? Again no explanation was provided, so more calls were made to PayPal with no resolution. 

She asked them to return the funds to me, which they said they could not once the transfer had been made even though the funds are 100 % with PayPal and can not be accessed. 

In addition they assessed a heavy fee of {$59.00} for the transfer which was not disclosed when I initiated the transfer. It only appeared on the receipt of the recipient. ( See the attached screenshots ) I am attaching the receipts from PayPal regarding this transaction. 
Their complete lack if transparency explaining their funds hold prior to initiating the transfer is not acceptable. If they couldn't transfer the funds once I initiated the transfer they should have said the this specific transfer is subject to a 21 day hold and would I still want to complete the transfer, not place the hold on the funds AFTER THE TRANSFER. 

I want PayPal to be held accountable for fees and information about holds inly after the transfer is initiated. If there was " increased activity '' then this should have been disclosed to me prior to initiating the transfer to allow me to decide if i want the funds held for up yo 21 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 2022-09-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled C-2 Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I ordered a HVAC unit from XXXX XXXX XXXX XXXX XXXX XXXX. The agreed upon terms were 36 months interest free. Prior to installation of the HVAC ( XX/XX/2022 ), I had to complete financing through XXXX / XXXX XXXX / SYNCHRONY BANK. I completed the credit card application ( XX/XX/2022 ), chose the 36 months interest free, and provided banking information to pay the credit card bill. 

The total charge for the HVAC was {$8500.00}. On the first billing cycle the entire amount was paid, not the minimum monthly payment. The full payment was completed on ( XX/XX/2022 ). I contacted XXXX / XXXX XXXX / SYNCHRONY BANK on XX/XX/2022 ) and they said they would refund my payment and ensure I made the minimum payments for the 36 months interest free arrangement. On XX/XX/2022, I followed up with XXXX / XXXX XXXX / SYNCHRONY BANK and they said that no refund was or will be provided to me. The chat lady said that she would request a check to be sent to me in 2-3 weeks and would only provide a chat confirmation number and no check or transaction number. 

Im a XXXX and XXXX XXXX XXXX  The XXXX / XXXX XXXX / SYNCHRONY BANK business practices are misleading and intentionally unhelpful. 

I specifically went with this HVAC vendor because of the favorable financing terms. This is a problem for me to solve and very bad for my finances. Please help me. 

Regards, 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 monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation