BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email from Paypal which I use as a banking account saying that someone had been using my card and if this was it a purchase that I made or not it was it it was a phone number I called it I questioned the gentleman about his wanting information from me that you wouldnt normally ask so I asked for a supervisor he put a supervisor supposedly on the phone then he started getting hostile with me because he could actually see what I was doing on the cell phone so when I would type I have entered the wrong information hes like no not there go here and then I tried questioning him again about what it was about and he said well we want to find the IP address of where this person took your money once we find the correct IP address then you will receive your money back to the card right away it still sounded fishy to me but I was just really tired because I had it my mother pass away and I live in Texas shes in California and the money I had in that account it was going to be used to go there and have it serviced and I just typed in what he told me to type in then at the end of the conversation he proceeds to tell me youll get your money back in about 45 days and I said you told me right when we were done you were putting it back in I told him Im calling the police Im calling Paypal because obviously youre not Paypal and I called and they used I had like four cards they added a card in my wallet and stole a proximately {$5000.00} Ive been calling trying to get help from every avenue because I need that money my younger brothers and sisters I need to be there for them and I cant because they took the money that I had and I hope that we can get some resolution also I use talk to text so it probably may have some misspelled words sorry

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: CA
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Upgrade, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I entered into a payment arrangement, now I have no idea what the balance is, terms of agreement or anything else. When I call I cant get any answers on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.

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 2023-04-26
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts were opened without my knowlege and i want them removed from my credit reports XXXX, Experian and 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 explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NV
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 on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I've been using Coinbase Pro before, I can withdraw my BTC ( Bitcoin ) but now I can't. They're reducing my daily withdrawal without any notice, and can not be changed even I requested. My BTC stuck forever. I've tried contacting the support but only automated reply. I did search the internet, there are 2 - 5 guys having the same problem and no customer service was available to help even for several months!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: AK
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 am not sure why this continues to happen, but it SHOULD NOT be. Dept of ED/XXXX has popped up on my credit reports as having a XXXX  loan of {$35000.00}. I attended XXXX XXXX  XXXX XXXX in Tennessee in XXXX. The loan was originally with XXXX. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from XXXX showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... XXXX I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL XXXX  loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A few years ago I believed that Citi Group-Costco cancelled our Costco Citi Visa due to one missed payment. At that time, I destroyed the card. Years later, I found out the card had not been cancelled but the card was now cancelled because we did not renew our XXXX  membership. Every access, on-line or phone, requires me to provide my card number which I no longer have. Since the card was cancelled, Citi no longer recognizes my social security number or my phone number when I attempt to make payment. I can no longer log in on-line and the only way they will " retrieve '' my access if for us to apply for a new card which we do not want to do. There is no reason for them to be pulling a credit report, etc. when I have no intention of having a new card with them- BUT I do need to have the ability to access the account to pay off the balance. I have tried at least 6 phone numbers and have spent at least two hours trying to rectify this situation. We do not want to re-open the account, we simply want a means to pay off the balance with monthly payments. The lack of ability to pay those payments now has us about to be two months in arrears.

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 2022-07-15
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:
Fair Credit Reporting Act says good 10 years it should drop off but Equifax has not and I submitted a dispute and nothing. 

Can you help get it removed from credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021 I contacted Chime ( my bank ) to start a dispute # XXXX for a charge on my debit card for {$1900.00}. I called the bank a couple of days prior while the charge was still pending to stop payment and was told I had to wait until the charge cleared. I was told that the dispute process can take up to 90 days to resolve and was given a resolution date of XX/XX/2021. On XX/XX/2021 I contacted Chime to find out the resolution and was told the merchant has not responded ; therefore, the investigation team has not yet entered a resolution. The dispute agent sent a ticket to the investigation team and told me they have 3 business days to respond back to me via email. On Thursday, XX/XX/2021 I called Chime again because I still have not gotten a response from the investigation team. A dispute agent entered another ticket # XXXX I spoke with a floor manager in the dispute department just to be told the same thing -- he is sending a ticket to the investigation team for the resolution and they have 3 business days to respond via email. My hands were tied because I asked to speak to someone in the investigation department and was told they had no way of contacting that team. He entered another ticket # XXXX for the investigation team. He provided me an email address which I sent an email to and have yet to receive a response. On Monday, XX/XX/2021 I contacted Chime again and was told by the dispute agent that it is unacceptable that the investigation team is not responding. I was told that I should have heard back by now and that because the merchant has not responded within the 90 days the investigation team should have had a resolution by now. She agreed with me when I said I should have had my {$1900.00} back in my account. Again another ticket to was sent to the investigation team. Again, I spoke with a floor manager to no avail. I called again Tuesday, XX/XX/2021 to no avail. Today, I contacted Chime once again, spoke to a dispute agent who said she is going to escalate this issue to the investigation escalation department and I should receive an email in 1 to 3 business days. After she entered a ticket I received an email from a leader in the dispute department who writes in the email that they are currently working with the merchant to investigate my claim and that Visa allows 30 days for the merchant to respond to all inquiries. The merchant had 90 days to respond and neglected to respond so why is Chime allowing more time? I should have received my money back by now not provided with that answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Company 1 XXXX Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Client Services, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX store card belonged to my wife who passed away in XXXX and the card kept being charged. I tried to have the card stopped and report this but they ignored me. Not only did I lose a ton of money while still working during COVID but I was hit by a car while at work on XX/XX/XXXX and I am totally XXXX per XXXX. This should NOT be on my credit and I should not be responsible for this charge as many others that happened due to my wife 's account being stolen after her death  and illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. XXXX  , XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: WI
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 have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX  requested on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX requested XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX requested on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, also they have my address is incorrect it is XXXX XXXX  XXXX, XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
company violated section 607 of the fcra by not validating information or providing proof of validation for disputed account. company refused to re investigate and remove inaccurate information being reported. I have filed complaints with the etc that warrant consequential damages, see XXXX XXXX XXXX 
I demand the credit reporting agency remove the inaccurate information as they have violated section 607 of the fcra

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 2023-03-18
Company: CITIBANK, N.A.
State: NV
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 Macys/CBNA has violated my rights. Under 15 U.S.C 1681 602, states I have the right to privacy. 15 U.S.C 1681 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 b, a creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello My name Is XXXX XXXX the hard inquiry account on my. Transunion credit report in the name of : XXXX XXXX XXXX. need to be deleted. The account is incorrect and was first introduce to me as a Soft Inquiry not a Hard Inquiry. Thank you

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