BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: UT
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 have filed numerous reports with you about inaccurate information on experian. Tonight I was denied a car loan because - at first my credit could not be accessed because it says I have a fraud alert!!! i have tried for over a year to remove the fraud alert and experian has responded to my complaints through your company saying I have no fraud alert. Yes I Do.  The dealer was able to pull my experian credit which gave them a score of XXXX and had multiple collection reports on there that were removed by creditors on other two reports but still on experian. I am so frustrated with experian and their inaccurate and not up to date information. Last year around this same time I lost out on purchase of a car because no one including me could get past fraud alert nor could we speak with a live person

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 2022-01-27
Company: Experian Information Solutions Inc.
State: MA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2022-02-03
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has banned me from using my paypal balance to pay for items on XXXX They did it without my consent. I want paypal to allow me to use my Paypal balance, not my checking account, as the preferred way to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax initiate a security freeze on my account and also not reporting over 8 credit cards on my account ( Estimate total- {$30000.00} ) that I am authorize user on, all cards are reporting on other credit agency and i already spoke to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX. I was told by each company they report to all 3 credit bureaus. They even remove some of my reporting cards without my knowledge. I have called more than 6 times trying to resolve this issue and also fax paper work to verify identity including credit cards information. Equifax initiate the freeze on its own without me knowing until i try pulling my credit and was not allowed. 

I contact them on XX/XX/1921, XXXX, XXXX and XXXX. Faxed in some paperwork to verify identity and credit card information ( The ones not reporting ). Also on XX/XX/XXXX and the XXXX. 
I keep getting run arounds with different answers from different people. Its really frustrating, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Investigation took more than 30 days

Complaint:
I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-01-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 ) An ordinary monthly payment stated by and due to American Express was made in full by this 30+ year Amex cardholder on XXXX XXXX, XXXX. 
2 ) The amount due was {$580.00}. 
3 ) American Express received the payment made by check on XXXX XXXX, XXXX, and deposited the check on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, American Express emailed that they had received and been credited this payment. 
4 ) Nonetheless, American Express is falsely claiming through XX/XX/XXXX that this {$580.00} payment still is due. 
5 ) American Express is engaging in this billing fraud and billing harassment via email messages - including threats of credit bureau reports - USPS mail and during phone calls made to gain a corrected payment statement. 
6 ) Most recently, American Express mailed an unresponsive reply to my Amex-webmailed billing dispute, with a letter from XXXX XXXX that stated the {$580.00} was paid -- and still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In Early 2022, I opened a Citi Gold account from one of the referral links online, I received a deposit of over XXXX in the initial few weeks. Product was Citi Gold account and I had provided all personal information to the bank before opening. 

On XX/XX/XXXX XXXX XXXX  in the morning I received two consecutive emails from Citi Bank stating all my accounts with Citi will be closed without stating any reasons etc. I called the bank next day and they said nothing they they can help me with and that I have to wait for the letter to come in mail. I told them all transaction on my account are legit and there is no fraud or anything I noticed. Citi gold account comes with special privileges where in dedicate reps are assigned to each customer, None of my assigned manager made any contact with me over several months of account opening. 

My checking account got suddenly blocked by Citi stopping me to be able to use my own funds leading me to use high interest loans for financial commitments. I am very disappointed by the treatment provided and lack of professionalism by Cit bank staff including Senior Account reps. 

On XX/XX/XXXX ( letter dated XX/XX/XXXX ) I received a letter from Citi stating they noticed some fraudulent activity with my account and I need to call a number provided on it, when I called that number they connected me to another Citi group who then directed me to go to a local Citi branch and they cut the call on me abruptly when I asked who should I meet at the local Citi branch. This is the worst customer experience I ever had with a largest bank in the United states. 

To resolve the problem, I would appreciate if my account rep from Citi bank should contact me and inform me on next steps. I am fine with closing the account but have no idea what happens to my funds in my checking account. Some minimum level of customer care is expected.

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 2022-01-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
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: Report provided to employer without your written authorization

Complaint:
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( XXXX ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( XXXX ). 

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( XXXX ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 

Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Ive already submitted an Identity theft report to 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: OH
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:
Today I called Experian at XXXX XXXX. I spoke with XXXX. I informed XXXX that I am disputing the results provided for my previous disputes as an Investigative Consumer Report had not been conducted. XXXX was very admantly telling me that Experian DOES NOT conduct investigations regarding disputes, they simply reach out to the companies that a consumer submits and the company is to conduct the investigation. I advised that this is a violation of FCRA and FDCPA as every credit reporting agency must conduct an Investigative Consumer Report which includes interviewing family, friends or associates of the person disputing the reporting. Again XXXX was admant that Experian in no way shape of form interviews anyone regarding accounts. THIS IS IN DIRECT VIOLATION OF FCRA and FDCPA and I demand that all accounts that I have previously disputed be updated to show as PAID AS AGREED since it is clear that Experian is not abiding by the laws set fourth. Also I am requesting {$16000.00} in damages as XXXX has advised that Experian will continue to violate the law and not update the credit reporting or conduct a proper investigation. I called using number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. They stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE

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 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunion is in Violations of several laws of the FCRA Company has received notarized copy of my FTC Report and has not responded to my disputes since XXXX they have signed for dispute and that is attached as well. 

This is an invasion of privacy 15 usc 1692 ( a ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies FDCPA 15 U.S. Code 1692e.False or misleading representations AND REINSERTING DELTED ITEMS ON MY REPORT 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly

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 2020-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I did request my credit report through XXXX XXXX XXXX XXXX   to EQUIFAX to correct inaccurate information, I provide them all my information. 

They claim unable to find my credit file in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE OF NOR HAVE I BENEFITED FROM THESE FRAUDULENT 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