BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-30
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:
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX, Experian and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.

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 2023-01-03
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:
Hi my name is XXXX XXXX my paypal account was limited back in XXXX with funds still inside, however I received a confirmation email at the end of the year stating " my funds are now eligible for withdrawal '' on XX/XX/XXXX. I have successfully added my bank as of today XX/XX/XXXX however when I try to withdraw the funds as instructed I get the following error message stating " Things don't appear to be working right now Sorry, somethings not right. '' I am being declined and I now need further assistance with the final step in retrieving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: American Credit Acceptance, LLC
State: NY
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:
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: Professional Debt Mediation, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Per this debt collection agency letter to my complaint I had two options of which I will attach. I have paid the debt online as they have stated I can do but now they are requesting I send them a signed credit card authorization form in which I have already paid the debt per their letter this will be remove from all credit agencies once paid I have up held my end of the bargain. This is unfair practice. 


I have attach their letter to my complaint I. Which they stated I can pay online and I have attach their payment email. They are stalling deleting off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2023-01-03
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Our card was stolen from our nanny, but since the card was on autopay and really only used for recurring payments and nanny household charges, we didn't realize the fraud was occurring for several months. I reported fraudulent charges on XX/XX/22 ( give or take 1-2 days ; as noted on the statement XXXX XX/XX/22 pages XXXX ). The charges were originally investigated by the fraud team and decided that it didn't qualify as fraud and then reversed all of the credits. I sent a dispute in showing proof of the fraud and that the card was stolen, and we received letters back from barclay saying that they had re-reviewed the case and that the charges were determined to be fraudulent and that all charges would be would be credited within 30 days. After 30 days they only reversed about {$1000.00} of the charges. I called several times over the next months trying to get them to reverse the remaining charges ( {$15000.00} ) but I could never get a call back or talk to any supervisors/ managers. I was always promised a call back with in 7-14 business days but only received a call back once on XX/XX/22. He assured me he had reviewed the entire case and that the would take care of everything. He reversed another ~ {$2000.00} but not even close to all of the charges. I faxed another formal request to review the case on XX/XX/22 as well as calling in on XX/XX/22, XX/XX/22 ( spoke with XXXX # XXXX ), XX/XX/22 ( spoke with XXXX # XXXX ) all of which promised call backs from a supervisor which have never happened. My credit score is dropping and I am unable to receive a call back to even find out the status of the case or any explaination. The account is accruing interest and my credit score is dropping and I can't get anyone to call me back at all. I have attached all of the specific details that I submitted in my 3 written formal complaints.

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 2021-02-25
Company: Continental Finance Company, LLC
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Continental FIN CO, XXXX XXXX, and XXXX XXXX. The Account Opened is Continental Fin CO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-07-08
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello, during the beginning months of COVID-19, the XXXX  I worked at as a XXXX  closed ( around the first or second week of XXXX ). My employer filed an unemployment claim, swiftly, on behalf of each of my coworkers, including myself. I didnt receive unemployment for two weeks and decided to begin taking action ( I didnt call earlier because lines were busy and the GDOL was overwhelmed with all of the workers needing unemployment and I was able to move in with my parents during this time to help with expenses ). However, I was still unable to get in touch with someone who could help me claim my unemployment benefits. I received about 6 or 7 UI Benefit papers over the next month explaining how the process works/that I would soon receive other information to set up an account and receive my benefits. I believe it was the end of XX/XX/XXXX/beginning of XXXX when I finally received a paper explaining that I had serval options for receiving my benefits, including a prepaid card, direct deposit, etc. Around XX/XX/XXXX my employers opened our XXXX  up for XXXX  only and I began receiving paychecks again. I looked online/set up an account for UI benefits but couldnt find a record of payments to a card or my account. I decided to take another look this past week ( XX/XX/XXXX ) and saw that there were payments to a prepaid card but never received a card. I understand how hard the GDOL has been working to meet everyones needs and I realize the mass amount of people trying to get their benefits. All that I need now, is to receive my prepaid card that was never sent ( as far as I have seen ) with the papers I was sent about the payment and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners pro-gram because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX {$0.00} XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners pro-gram because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX {$0.00} XXXX {$580.00}

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 2020-07-08
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX XXXX XXXX ( " XXXX XXXX ) is attempting to collect a debt that I do not owe. XXXX placed a negative inquiry on my Experian credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means. 

I contacted Experian in XXXX and disputed the debt however it remains 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 2018-09-30
Company: EQUIFAX, 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:
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently told I owed a debt for about XXXX XXXX that has followed me since 2016, I recently resolved it and would like documentation showing that it has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked XXXX, Experian and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted. 

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer? 
The continued reporting breaks the law. I want this information DELETED.

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 2018-07-24
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was unknowingly enrolled in Discover 's " Payment Protection '' plan when I initially signed up for the discover credit card in XXXX. This has resulted in over {$1000.00} of charges over the years, which has led to my account gaining a balance. They informed me they were emailing me biyearly to alert of my enrollment in the program, but the email did not specify that I was enrolled in anything, nor does it say I was charged for the program. This led Discover to offer reimbursement for the last 6 months of fees, but I do not believe their biyearly alerts were straightforward or clearly stated that I was enrolled in a program, paying for it, and as a result of my enrollment my balance was never going to be paid off by making minimum payments. I see no case where this program helps anyone, as it lead to my balance increasing despite making monthly payments for the last 5 years. It is predatory to a degree, and only hurts the consumer. 

I have not spent a dollar on this card in over 2 years, and my balance has gone from {$2600.00} ( XXXX-XXXX XXXX ) ; to {$2700.00} ( XXXX XXXX ), despite making payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry XXXX XXXX, XXXX, XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX, XX/XX/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 ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/XXXX I signed a new auto lease with XXXX XXXX/Toyota Financial, I had a bank checking account with XXXX used to make payments. In XX/XX/XXXX I had identity theft with XXXX XXXX, XXXX XXXX XXXX and USPS Mail system whereas my accounts were hacked, my mail were stolen and used to steal the credit cards. All accounts used to make online payments were decline and unable to be used after the identity theft. 
I have mailed the credit bureaus and banks with a copy of 2 identity theft police report : XX/XX/XXXX ; Second police report XX/XX/XXXX ; A stalking police report, XX/XX/XXXX ; As per part of the Victim Compensation Program of the State of Illinois I received a letter that states the prohibitions of any late payments not to be listed on the credit report as part of the Victim Compensation Act Program, any theft account open as a result of the identity theft/mail theft to be removed from the credit report ; In ordinance to avoid additional damages to the victims of crime in the State of Illinois, Federal laws enforce the forgiveness of late payment as per part of the crime that has occur and therefore no late penalties, late fees should be listed or reported to the credit bureau for the entire year of such. The consumer was also a victim of identity theft and robbery at the place of work at XXXX XXXX XXXX ( State of Maryland ) in XX/XX/XXXX, a purse was stolen from the consumer 's work office station containing a wallet, cash, XXXX XXXX XXXX Credit Card ( account closed and removed from the credit report ) social security card, driver 's License ; I had to close all account and depend on mail in money order to make payments to this account in order to keep up-to-date. I am a paid subscriber of the credit bureaus XXXX, XXXX, and XXXX whereas my credit it is currently locked and monitored ; A FTC Identity Theft was also provided to the credit reporting agencies, USPS Mail Inspector , drive 's license and utility bill along with all police reports were mailed to all credit bureaus agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified letter to TransUnion, XXXX, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.

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