BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXXDOFED XXXX Balance Owed : {$4000.00} XXXX. XXXXDOFED XXXX* Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting this CFPB Complaint regarding the correction of the disputed erroneous account being reported on my Credit Report. I have been sending multiple dispute letters requesting that the Credit Bureaus investigate the disputed accounts on my Credit Report and correct or remove any account which were not being verified. The Credit Bureaus continued the reporting of the disputed accounts without sending me copies of proof verification from their investigation. I feel like the Credit Bureaus have not done any investigation at all and claimed that the disputed accounts were already verified. Under the Fair Credit Reporting Act, I am requesting that the Credit Bureaus correct or remove the disputed account from my Credit Report : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$1300.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$4000.00} XXXX. XXXX/DOFED XXXX Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX* Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00}

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 2021-04-09
Company: Paypal Holdings, Inc
State: ME
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 2023-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used to have a personal checking account with XXXX. That account has been dormant for several years, with a {$0.00} balance. Last year, Citizens Bank acquired some of XXXX 's business, which resulted in Citizens Bank taking over management of this checking account. 

Unbeknownst to me, once this checking account was transferred to Citizens, they started charging account maintenance fees on the account. Since the account had a XXXX balance, this resulted in a charge to a personal line of credit which was linked to the checking account for overdraft protection. 

I became aware of this situation in the middle of 2022, when I received notices that the account was past due. 

I called Citizens, explained that I had never opted in to doing business with them, never agreed to their fee structure, and wanted to close my account, and have all fees waived or refunded. I had several calls with their customer support organization, but finally convinced them to waive the fees, and close the account. 

At this point, I thought the problem was over. I was wrong. 

My wife is currently trying to start her own business. As part of this process, she has been applying for business credit cards, and having a difficult time doing so. When she finally received a notice explaining that she was denied a credit card, along with the explanation, we noticed that the our credit report has a 30- and 60-day delinquent payment notice. This surprised us, since we have never missed a credit-card or loan payment of any kind, and prior to 2022, had excellent credit ( XXXX  score of XXXX ). 

After inspecting our credit report further, I noticed that the reporting financial institution was Citizens Bank. At first I was confused, since we've never signed up for any credit cards or loan products from Citizens. But then I remembered the quagmire I was thrust into in 2022. 

So, this month, I've spent many hours trying to contact Citizens Bank to resolve this issue. I've talked to at least XXXX different branches of their customer service ( banking support, credit support, asset recovery support ). None of them have been willing and able to help me, and always redirect me to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}

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 explanation
Consumer complaint received 2019-07-19
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:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX/XXXX XXXX XXXX # XXXX AMOUNT {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2023, I has spoke to a gentleman by XXXX XXXX, and never returned or answered my. calls and I found out by XXXX of my coworkers that he was no longer an employee at the company. I have been trying to get my refund retuned of {$3500.00} back. I had been emailing the company in order to have my refunds retuned and specifically advised them in writing to mail me a refund with my address and advised them that my bank account was closed. I have been having issues since XXXX XXXX. I have called my bank Wells Fargo numerous of times and advised me that there was a several attempts that they tried to deposit the monies but could not go in to a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
Synchrony Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used Synchrony bank

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.

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 2023-10-31
Company: EQUIFAX, INC.
State: GA
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:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Mechanics Bank/XXXX XXXX illegally repossessed my vehicle from a locked gate after my Chapter XXXX was discharged during a stay at home order during Covid-19. I was ready to pay the car off. Mechanics Bank claims I own {$10000.00} on the car when I only owe {$5200.00}. 
I tried calling and they didn't find an account on me. But my bankruptcy attorney spoke to them thus how the claim i owe XXXX on the car. They took my car the night of the inauguration. I've had difficulty with health and lost income since the pandemic arrive and that is why my attorney converted my bankruptcy to a Chapter XXXX. 

I just want help getting my car back since the tow company trespassed on private property and took the car without security permission and my landlords permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XXXX XXXX XXXX Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted XXXX XXXX XXXX on XX/XX/2023, after receiving an alert that my payment was past due. I didn't understand why I had not received a paper copy of my statement. The representative I spoke with waived the {$39.00} late fee. However, she was unable to explain why I did not receive a bill. Initially she told me I was on paperless billing as the reason. I did not sign up for paperless billing. I use my mailed bills to determine when to pay. I have all my other statements coming on paper. She told me I should get a paper bill as well. She also told me that I should get electronic billing, which I don't. She was all over the place. When I started asking more questions, the story kept changing. She even tried to change my story, telling me what I said. I requested a supervisor. I planned to pay my bill off on time every month. The supervisor took the call. I told her that I wanted the recording reviewed, so she could let me know why the representative said what she said. She explained they do not review recordings unless it has to do with a problem with the account. I told her the problem and that I had to go. I asked her to review the information and contact me back. She told me to call back and did not say she would flag the call or anything. Since it was so difficult to explain why my billing is or is not paperless, it should be paperless as I explained to the representative. I got charged two late fees of {$39.00} and {$28.00} and two finance charges of {$60.00} and {$48.00}. I paid the balance up minus the charges of {$190.00}. It is very upsetting when you can not get the proper assistance. I believe the charges I have remaining should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NE
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2021-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ..HAS VIOLATED MY RIGHTS..

-15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.

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 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have trying writing the company to get them to verify if the debt is mine with a sign contract all the company keep responding with is a bill. i already have a bill I need to verify or know what document they have that this is my debt and not someone else 's. 

XXXX XXXX XXXX XXXX XXXX {$340.00} account number XXXX XXXX XXXX XXXX XXXX {$2800.00} account number XXXX XX/XX/2020 XXXX XXXX$730.00} account number XXXX In accordance with the Fair Credit Rreporting act XXXX account XXXX, XXXX, XXXX, has violated my right. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation