BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Paypal Holdings, Inc
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I received an email from paypal saying that a recent transaction in the amount of {$600.00} was being reviewed due to a dispute that was filed that morning. Before I could even get home and read this email, i received another email stating that the case was closed and that they found in the other party 's favor and therefore my account would reflect a negative balance to the tune of {$490.00}, and demanded that I make a deposit to fix this problem that im just now hearing about. I immediately tried to call paypal, however, they have conveniently stopped answering their phones so you can not speak to a live representative at all. I sent an email and text message and all that got for me is a complete run around. They tell me that I cant even file a dispute until my account is back to a positive balance. And there are a ton of unauthorized transactions on my account and i can not get help from paypal at all. They were very quick to " investigate '', but didnt bother actually having a live person get in touch with me to get my side of the story, before closing the said investigation in favor of the other party, Charging my account with all this, and not even giving me an option to appeal. It seems to me that paypal feels as if they are Judge, Jury and Executioner these days. Thats NOT how America and our Democracy are supposed to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
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:
I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly. 

I have attached a screenshot of the incorrect reporting.

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 2019-10-01
Company: EQUIFAX, INC.
State: MD
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 sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or RECTIFY the following items : 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 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 2021-06-06
Company: PNC Bank N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021, I attempted to open credit card with PNC Branch ( XXXX XXXX ) having a personal checking, business checking and mortgage account opened on various dates. 

I was unable to open the card as it was declined on an income - debt ratio and credit score. In XX/XX/2021, I was approved for two other loans from XXXX  a DC lender and a XXXX XXXX XXXX draw loan on the business account XXXX with this checking account. 

Note : I was also informed that I had a low score which has not had an impact during the same time period XXXX - XX/XX/2021 : obtaining international/DC based clients, business rental lease, DC and a job with XXXX, XXXX. 

Based on the business checking account, I'd like to receive a competitive rate credit card for the business account without the harassment of a hard pull lowering the score when I am able to obtain the necessary assets and income which have satisfied federal requirements for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2019-05-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 Chase Bank closed 4 credit card accounts I had previously opened with their company. 3 or these credit card accounts were personal credit cards and 1 was a business card. My Chase credit card accounts were all in good standing at the time of their closure ( low balances, always paid on time, etc. ). I received no prior warning from Chase of any kind that they had an issue with any of my accounts. ____ Chase mailed a single letter ( dated XX/XX/2019 ) as notice for all 4 affected credit card accounts that stated " After careful consideration, we closed your credit card accounts on XX/XX/2019, because our affiliate is ending their banking relationship with you. '' No other details were provided. Chase refuses to provide any assistance over the phone until you are in physical possession of this letter. ____ On XX/XX/2019 I called the phone number listed on the letter ( XXXX ) and was told that they could not provide me with any additional details related to the closures. I was then told to contact a separate Chase department - the Chase Executive Office. ____ XXXX XX/XX/2019 I called the Chase Executive Office, who said they would open a case and notify me with the results within 7-10 business days. On XX/XX/2019 someone from the Chase Executive Office left me a voicemail, but only to say that they still could not provide me with any additional details related to the closures. ____ Shuffling customers around between different internal teams at Chase, building in significant delays at different points in the resolution process and refusing to provide additional information relating to customer issues all appear to be part of a company strategy to prevent customers from having their concerns addressed in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Elite Financial Services, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Lady is calling saying we are sending XXXX county to your location. I am going to contact XXXX county to see if this is true. They are giving me a case number saying you will be picked up at work or your residence. These companies are selling my information to other people to make it look like I have a loan out. This is the XXXX XXXX and XXXX collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am filing this complaint to the TRANSUNION. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective November 30, 2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

I have included my FTC report with the number XXXX as proof of this complaint.

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 2020-03-03
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving on several instances notice in the mails an attempt to collect a debt from : Midwest Recovery Systems, LLC XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Account Balance : {$650.00} Creditor : XXXX XXXX XXXX XXXX Original Creditor : Clear Loan Loan Date : XX/XX/2020. 

I have no knowledge of this loan. Never applied for any kind of loan. This company accessed my personal information. This colletion was added to my credit history and affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Someone is calling me saying we have a case number we are looking for your location. We are sending XXXX county to pick u up. These calls need to be stopped. These people are selling personal information to different people trying to get your debit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
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.

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 non-monetary relief
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Suntrust recently merged with XXXX to create Truist. During this merger, they deactivated current debit cards for new debit cards. I was never sent a new debit card. I have no access to my account. I was also locked out of online banking for two days XXXX XXXX. My debit card has been deactivated since XX/XX/XXXX. They have not sent a new card, and I can not access my funds. 

The wait time to speak to someone on the phone is over an hour. This is terrible business. They should not have deactivated any debit cards until they had actually shipped out new cards. I have zero access to my 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