BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a chargeback dispute from a sale I made on XXXX back in XX/XX/2019. I received the notice in XXXX that the transaction has been chargebacked and marked as an unauthorized purchase. Usps and XXXX dont keep tracking records past 90 days fortunately I was able to retrieve the tracking number used and correspondence with the buyer in regards to shipping. In late XXXX I received a response from the buyer right after the deadline for evidence submittal. The buyer detailed how his now ex wife stole property and filed fraudulent chargebacks. I attempted to submit this information that would absolve me but was faced with resistance from PayPal saying it doesnt matter, I finally managed to get a link to submit my information but was decided against. The information I provided is clear that I was not involved in an unauthorized purchase and what happened was fraud. I will include some screenshots but can send more. I have not received any contact from the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-01-04
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I asked Bank of America to close my CD account # XXXX. This was a CD account that secured a line of credit that had been paid off 100 % and then closed earlier in the day. I made this initial request by phone. I was instructed to visit a branch where I was told I would be able to close the CD account that day, so I made an appointment for XXXX XXXX. I arrived at the bank of America local branch at XXXX XXXX XXXX, XXXX co XXXX at XXXX XXXX, and was not seen until XXXX XXXX. At that point, I explained the situation to the banker, but they were unable to close the account. I asked to see the manager, XXXX, who was also unable to close the account, but promised to monitor the account and call me after the 24 hour hold on the CD had expired. 15 days later, on XX/XX/XXXX, after having received no call from XXXX, I called the bank and spoke to XXXX again. He said he was still unable to close the account, and has given me no path forward to be able to close the account. I need the money held in this CD to pay my rent. I didn't know what to do, so I'm submitting the complaint now.

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 2023-01-04
Company: UMB FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX received notification from XXXX XXXX that an amount of XXXX XXXX Direct Debit failed, insufficient funds. The checking account had XXXX XXXX  balance. I called customer service and both the service rep and supervisor said that the XXXXXXXX XXXX ( drawn from another XXXX XXXX, no less ) deposited on XXXX XXXX, XXXX did not count as part of the balance until XXXX XXXX, XXXX. Based on the balance on the activity journal, there was no indication that ay funds were unavailable to use and in fact withdrawals where being debited against the XXXX XXXX running balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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 information incorrect

Complaint:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

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 2019-08-31
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:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
When I paid the loan off in full, early. They reported my account 30 days late and can't provide me with proof. Tried three times with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX. Reported to Experian credit Agency, but they never investigated much, just made a phone call. Have all canceled checks to show proof on my part but no effort has been made on either party.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and right now, I am submitting this CFPB Complaint requesting for you to delete the following fraudulent information reporting on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX. I have read enough to understand my rights which is protected under the Fair Credit Reporting act section 605. Under the same Federal law, you must remove the disputed accounts and information of from my Credit File as soon as possible.

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 2018-07-22
Company: EQUIFAX, INC.
State: GA
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:
I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus  report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed three times about the company and orginal creditor XXXX XXXX. My signature was forged on documents sent to me, in which I informed the credit agency. sent pictures of proof as requested by Fair Collections and Outsourcing on XXXX They failed to respond to any letters, emails, or online complaints sent to credit report agencies as well to Fair Collections Outsourcing. Again, this account established with them was a fraud account, I did not sign any documents sent to them from XXXX XXXX. I never received any information on the debt in a timely manner nor in previous time from XXXX XXXX. They have failed to send me any proof within 30days of the debt in previous notices. The debt was placed directly on my credit report without any knowledge of debt or chance to dispute the debt directly with creditor or agency.

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 2023-05-03
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:
Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX 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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX  account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.

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 2023-01-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from Experian, XXXX, and XXXX and it has not been done. This is going on for 2 years now off and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with XXXX is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

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 2018-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the past few months, I have submitted several disputes to the major credit reporting agencies, XXXX, Equifax, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, Equifax received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from Equifax. 

I want to file a formal dispute against XXXX, Equifax, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Experian Information Solutions Inc.
State: NV
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:
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ).

2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties.

4. Bankrupties were verified thru 3rd party XXXX XXXX.

5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************

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 2020-11-27
Company: CITIBANK, N.A.
State: WA
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:
XXXX  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my 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 explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following information TransUnion is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my XXXX account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX TransUnion is showing the same XXXX  account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. XXXX was paid {$150000.00}. 

6. My XXXX account is current with a balance of {$29000.00}.

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 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ). 
2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties. 
4. Bankrupties were verified thru 3rd party XXXX XXXX. 
5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************

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