BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: WV
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 contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current.

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report 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 2017-10-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sent a letter Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for validation XXXX debt and XXXX authorization. 

I requested that XXXX XXXX XXXX provide a breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

XXXX XXXX XXXX have not complied with this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MS
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 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 an 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 explanation
Consumer complaint received 2021-11-30
Company: Paypal Holdings, Inc
State: MI
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:
i tried to pay for a goods and services on paypal and they took the money. the guy is a scammer and i contacted paypal immediately and since i used the goods and services option i should of been refunded but they have not done so and let the person keep the money. money sent the XXXX in the evening and i contacted them the XXXX i am supposed to be covered by their purchase protection program since i sent the money as goods and services. as ive had no contact with the seller and they have not done the work they were contracted to do. i also do not have the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions Inc.
State: NC
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:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2022-04-06
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:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A reported debt for XXXX from XXXX/XXXX/XXXX for XXXX  Never received a medical bill let a lone a notice that an account was being sent to collections or had been placed to collections. I never received a letter that I had a chance to dispute the collection. There is no way I could even have a medical bill for XXXX as I have MILITARY HEALTH INSURANCE. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2021-10-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Golden1 had a planned outage, Friday XXXX to Sunday. On Monday, XXXX I was still unable to access my account. Bills are due. I called from work at XXXX, and requested a call back and held my place in the queue. I never received a call back. When i tried to reset my password, a telephone number not mine was linked to my account. Golden1 XXXX XXXX page shows a number of people with the exact same issues. I dont know if my bills have gotten paid and I dont know whether my funds in my checking are adequate to cover everything. The bank will not call me back and the branch is open minimal hours. My bank has locked me out of my account and will not respond. 

Tuesday XXXX at XXXX all issues persist.

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 2019-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
whom it may concern : On XX/XX/XXXX the balance in my Savings Acct at the Bank of America ( B of A ) was {$80000.00}. On the morning of XX/XX/XXXX, I signed in to my computer to pay my monthly bills only to find out that B of A had debited my account for {$80000.00} leaving me with {$500.00}. I called B of A at XXXX XXXX on the XXXX  of XX/XX/XXXX, only to spend the next hour on the phone with customer service with no success. During most of the hour, ( the last 15 minutes of which I was left on hold ), I was asked many questions about my financial history. Did I ever do this or do that etc. Finally, at XXXX XXXX I hung up from B of A and went across the street to the B of A branch, at which I have my account. The bank representative XXXX XXXX had not the slightest idea what had happened. After one hour and 15 minutes with no success, I left and left my number with Mr. XXXX so that B of A could call me. During the morning I received many calls from B of A, asking many pointless questions like if I had a business : if I had joint accounts at B of A etc. to help them determine what the problem was. At around XXXX on XX/XX/XXXX, ( 4 hours after this search started ), I received a call from B of A ( XXXX XXXX (? ) saying the debit was for an amount of money B of A had written off years ago. This representative was very sketchy on details and made many erroneous statements ( like arguing that the money was taken from my checking account and not my savings ) trying to justify this debit to my account. I inquired why I had not been contacted. He replied I would be receiving a letter from B of A soon. It is now 5 days and I have seen so such letter. How can a bank pirate a customers account of over $ 80K and there is no communication on the matter?. 
I am a retired senior. I am a twice  XXXX survivor who needs to take meds with a huge co-pay. In XX/XX/XXXX I had XXXX  XXXX and now require drops whose co-pay over {$100.00} per prescription plus a XXXX XXXX that requires an additional prescription with a co-pay of {$120.00}. Also I have to take XXXX XXXX XXXX pills daily. My mortgage and other direct monthly payments are funded from this account. I have XXXX  XXXX scheduled for XX/XX/XXXX. I have expenses associated with this. 
I cant believe that B of A, after being with them for over twenty years, would seize my money. My life is now in a total tailspin. To add insult to injury, the B of A representative said they left the {$500.00} in the account to save me the service fee that would be charged if the account fell below {$500.00} Thanks a lot, BANK OF AMERICA. Living up to your slogan, " Life 's better when we're connected. ''

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 2021-06-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So it all started when my PPP loan for my XXXX  was sent to my Paypal account to pay my vendors and catch up on all my bills that were due to sustain the life of my business well out of nowhere PayPal decides to lock my account for suspicious activity when there was no suspicious activity in the first place because the bank account that was linked to my Paypal account I had authorization to use and send them written consent and signed and dated the way that they wanted it to be to use the account on my PayPal account well I make one transfer and then I go to make the other one to pay my vendors because the PPP funds are supposed to be spent and dispersed in order to receive your second draw well they locked {$9500.00} down on my PayPal account due to suspicious activity or fraudulent activity when there was no fraudulent activity in the first place I made a transfer to my significant others banking account in order to draw the money off because PayPal has been giving me such a hard time about getting my money well now they have locked my account down with my first draw PPP funds in the account so therefore I can't disperse all my funds that were sent to me which has subsequently cause my business to knock on the closing door I'm currently looking at having to file chapter XXXX because PayPal will not disperse this money that is owed to me because of their policy they're pretty much strong arming me into whatever they want me to do so they can collect interest off my money for 6 months when I'm in a crisis with the life of my business and life of my home and everything pretty much so I don't know what to do I've messaged called I've even threatened to take legal action I have contacted the XXXX  I mean is there any way that y'all could possibly help me with this matter with PayPal they're doing this to a lot of people and getting away with it while collecting interest on people 's money that's needed to sustain the livelihood that they have had before the pre-pandemic times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I reached out on 4/13 to cancel a credit monitoring trial I never signed up for. They claimed they had a credit card on file I never provided.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card through Navy Federal Credit Union. In the past I got behind on my credit card payments. I contacted Navy Federal to make payment arrangements and since that time I continue to make payments on time. Recently Navy Federal turned my account over to a law office/ collection agency for none payment. As I stated and previous conversations I have been paying this account on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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:
Experian, XXXX, and XXXX all have previously incorrectly reported my account on Florida Child Support. I made XXXX payments directly to my former wife of XXXX per month. On XXXX XXXX I went to XXXX Court and provided proof of payments to XXXX XXXX. 
The court amended my child support ledger to zero owed. This is a matter of record in the Florida Dept. of Revenue Website and the court which supervises same. 
The Credit bureaus refuse to correct their record, or add a statement from me which does same. They are required to delete disputed information within 30 days. They failed to comply. 
The years of inaccurate reporting caused me damage in threats to take my drivers license by the state, the actual taking of my passport ( which took all year and legal fees to rectify ), and a loss of several job opportunities abroad which we substantial. 
Perhaps a fine or sanction for them would deter future abuse of credit reportees? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl. 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 2017-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent transunion the proper signed documentation acknowledging there are several inquiries on my report not authorized as well as my social and drivers license. I asked for proper documentation proving I authorized these inquiries as I had not given permission. In response, they ignored my complaint/dispute/request and sent a copy of 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I 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 2017-10-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. 

I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. 

I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.

Company response to consumer: Closed with non-monetary relief