BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: SC
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:
COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON 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 2019-02-11
Company: Experian Information Solutions Inc.
State: NY
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 went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX  ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX  XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.

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 2023-08-17
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: Report provided to employer without your written authorization

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company has XXXX XXXX XXXX reporting on my credit report and it is incorrect and unknown. Have been disputing with company for over a year and still no resolution.

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 2020-09-19
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 XXXXXXXX XXXX  received a letter from me addressing the fact that they were in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I sent subsequent letters to XXXX XXXX on XX/XX/2020 and XX/XX/2020 both addressing the inaccuracies on my credit report. Although XXXXXXXX XXXX responded to one of my letters, they never advised the Credit Bureaus of my direct dispute to update the comment section on my account. The account has never stated that it was ever disputed as required by FCRA laws. I sent XXXX and Experian documented evidence and a letter dated XX/XX/2020 notifying them of XXXXXXXX XXXX   violation of FCRA Section 623 ( a ) ( 3 ). Both companies did not take action and gave me no response to my dispute.

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 2023-04-16
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:
I am a victim if the XXXX data breach there is a Charge off account XXXX XXXX Account # XXXX reporting on my Experian and XXXX credit reports. Both Experian and XXXX have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.

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 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 these accounts that are not mine and i want them to be removed from my credit.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
American Express is REFUSING to activate my card ending in XXXX XXXX XXXX on the front ends with XXXX and code on the back ends with XXXX ) because I forgot what email address I used to ATTEMPT to activate it when I first got it. 

I was able to, and CAN provide them with my DOB, SS #, multiple numbers on the card front and back, mailing and physical addresses, etc. But they are XXXX refusing to activate the card that I have now. 

They are running a SCAM to the extent that they are FORCING me ( and other consumers like I ) to buy another card so that they can generate MORE money from these replacement, substitute cards and start the activation process ALL OVER from scratch!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: LA
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:
I did not authorize XXXX bank/credit card inquiry XX/XX/2023. This needs to be deleted off of my 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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
I would like to know what type of game XXXX, XXXX, and Equifax are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: VA
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:
A XXXX XXXX card has been a part of my Chapter XXXX  bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my transunion credit report file number XXXX, Tradeline " XXXX XXXX XXXX '' it states under pay status " Account 30 days Past Due '' .I have paid this account off in 2017.It should say under Pay status '' Account paid off and closed '' not 30 days past due.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

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 2022-12-20
Company: Incomm Holdings Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I attempted to use my prepaid card for a purchase at XXXX on XX/XX/22. I had to split between different cards as the purchase amount was greater than the amount on the prepaid card. The purchase was voided after my card was charged. The amount charged to the prepaid card should have been returned to it, but the refund did not appear in my balance. The store receipt shows the refund went to the card. The card transaction history shows the debit but does not show a refund. 
I submitted a dispute with the gift card issuer ( incomm ) and they denied my claim, giving me a non-sensical answer that didn't address the situation I described in my claim form. 
My gift card was purchased from XXXX on XX/XX/22. I disputed the missing refund with Incomm on XX/XX/22. I'm including the purchase receipt of the gift card, photos of the front and back of the gift card, transaction history of the gift card ( showing purchase but not refund, ) my claim form that I completed for Incomm and the store receipt showing that the card was refunded. Also included is the response Incomm sent me on XX/XX/22. This reports they found that the card was present for the transaction -- which was not the dispute. The dispute was that the refund did not appear on the card balance, as clearly documented in the dispute form I completed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAVALRY INVESTMENTS, LLC
State: IL
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: Investigation took more than 30 days

Complaint:
I have sent several certified letters to this company requesting validation of a contract in which I have never signed up with this company, I have sent several certified letters to the reporting agencies showing them proof that this debt is not validated from this company, I have never agreed or signed up to be extended any credit with this company they are reporting an account # of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
There are accounts currently being furnished on my credit report without my written authorization or consent. Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report. Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave EXPERIAN WRITTEN CONSENT to furnish any of these accounts. Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. XXXX XXXX account # XXXXXXXXXXXX-balance- {$13000.00}, XXXX XXXX XXXX account # XXXX {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed these inaccurate reporting with XXXX Experan and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX  and Experian is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX, Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX   XXXX XXXX. account XXXX Experian is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX  is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, Experian and XXXX  considered furnishers? These are not my accounts and XXXX Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-19
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 have disputed these inaccurate reporting with XXXX, XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXXXXXX Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX  account XXXX XXXX  is reporting an open date of XX/XX/XXXX, Equifax is  reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXXXXXX XXXX XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, XXXX and Equifax considered furnishers? These are not my accounts and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recovery Portfolio Associates, LLC are sending me correspondance and reporting on my credit report that I owe for on an account for XXXX XXXX that is not owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account with PNC Bank in XX/XX/2020. I opened the account using a promotional code that offered {$200.00} if certain requirements were satisfied. 

I satisfied the requirements and the {$200.00} should have been paid out by XX/XX/2020. 

When I did not receive the {$200.00} I called PNC bank. I spoke with a representative, who said that the promo code was not on my account. I told the representative that the XXXX XXXX should be on the account because I used it when I signed up and that I should receive the {$200.00}. She said there was nothing that she could do, but she would have someone call me. 

I have received a call back from PNC, but have been unable to connect with the person calling to resolve the issue. Whenever I call her, she does not answer. When she calls me, she does so during inconvenient times when I am unable to answer my phone. 

I just want this issue to be resolved and for PNC to honor their promotion, which induced me to sign up for the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It started on XX/XX/2020. I put a pair of cowboy boots up on offer up for XXXX dollars. I was contacted by a man or woman. And happy to see that they wanted to buy them. What was kinda weird was that he wanted me to to ship them to an address in Florida. He even said he would give me XXXX dollars Instead of XXXX. So that any expenses would be covered for shipping. I thought it wouldnt be a problem to mail it out. He/she said they would send me the money through PayPal. And I had never had PayPal before so I downloaded it. Then I proceeded to send him/her a link so they would be able to send me funds. He said I dont press on links, for security reasons. So he insisted for me to send him my email linked to my PayPal so that he could send me money. I did and I receive an email from XXXX. This email gave me instructions on where to ship the boots. So I followed them and shipped the boots. So finally the email said in order to receive the XXXX dollars from the buyer I needed to provide the tracking number for the package. So I did, then to my surprise I received an email from PayPal again saying that I couldnt receive my funds from the buyer because my account was not a business user. So to make the story shorter I was asked to send PayPal XXXX out of my own pocket and I believe I was scammed around XXXX dollars. Please contact me for any more information. PayPal wont give me an agent to talk to

Company response to consumer: Closed with explanation