BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
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 recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from XXXX and Experian. I even wrote follow-up letters to XXXX and Experian in late XX/XX/XXXX, but those letters have also gone ignored.

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 2021-07-11
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
XXXX sent XXXX a charge and charged my navy federal credit card and it wasnt even a right charge. I am filing for insolvency since i havent had a job since 2019! I am currently going through financial hardship and have not recieved any stimulus yet. Please pause all my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.

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 2019-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
KeyBank will not close out a checking account that was opened online at their institution using my stolen identity resulting from a fraudulent XXXX  unemployment comp claim during the pandemic after my numerous attempts contacting them to have it closed out. I am still getting statements on this account I never opened. It does show a XXXX  balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly Investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. Also they violated my rights under the care act posting late payments when they gave me consideration by waiving my late fees during the pandemic. 

I haven't given this accout written permission to furnish this account on my credit report as well.

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 2018-11-21
Company: XOOM CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX ( XXXX XXXX  PST ), I sent money to XXXX through the mobile app " XOOM ''. I sent XXXX USD. The money had to be picked up on a XXXX store ; However, when my relative ( receptor ) went to get the money, a XXXX employee told her that there was an error on her transaction, and she would not be able to get the money until the following day. Nevertheless, on XX/XX/XXXX at XXXX, I received and email from Xoom saying that the money was been picked up, and it was not. After I knew that there was a problem with the transaction, I called immediately to the Xoom customer service to find out what actually happened. They told me that they had to contact to their " partner '' which does the transactions in XXXX. On the second phone call, they confirmed that my relative did not get the money, and they argued that the problem would be solve soon. My money was taken from my bank account even when they knew that the transaction was not successfully. I called them several times, almost every day, and they kept argued that they were waiting an answer from their " partner ''. Since I did not get any concrete answer on the phone, I decided sent another complain through their website on XX/XX/XXXX. On every phone call I made they said that they would contact me as soon they get a solution for my case, and I still do not have an answer about when I will get my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: FL
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:
Im having a major issue ever since XX/XX/2020 i have had issues due to credit breach i have ove 50 inquiry on my credit and it has ruined my life i have sent all credit bureaus the same letter i will be attaching XXXX has really made me feel anger they have now requested that i sed in my ID not once but multiple times im unable to obtain any credit or even get my car im a nurse and i turned in lease now im car less and this is my last report please help unfair unethical

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 2020-09-23
Company: CITIBANK, N.A.
State: CA
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: Problem with personal statement of dispute

Complaint:
I noticed that my credit limit has decresed.Why is that.Every payment is on time, Fico score is good.I paid XXXX for payment this Month.They told me that I should contact you.I think I was right.Can You help me? Thank you, 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 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I filed a Police Report because my purse was stolen. The thieve ( s ) ran up my cards. I contacted Bank Of America asap to report my stolen Debit cards had been used illegally, to cancel the cards and to also give them the police report number. I did all of this within 2 hrs of my cards/purse being stolen. After Bank Of America did an investigation, they said it is my fault and took back a credit of {$900.00} dollars. On top of this decision, they actually took the money back from my son 's account who has a totally separate account from me and he is a minor. I am so confused. I did everything right.

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 monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to dispute the account with Synchrony Bank/Walmart on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$870.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case on XX/XX/XXXX. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from Synchrony Bank/Walmart and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I spoke to XXXX with Synchrony Bank Fraud Investigations on XX/XX/XXXX and was advised that they were able to show that the account belonged to me and that they wanted to know why I waited so long to call them and dispute the account as fraud. I explained that I never knew anything about the account nor do I acknowledge the debt. XXXX advised once again they did not have my proper documentation so I reached out to my credit monitoring service and also my Attorney in Fact to fax over the documents again to to fax number XXXX. XXXX was very vague in the information that he provided and states that an email address close to mine was used on the accounts which I can prove I never had that email address and never made payments on the accounts. He claims that they will receive the information again my Attorney in Fact faxed the documents to Synchrony Bank/Walmart on XX/XX/XXXX and she has fax confirmation and XXXX states will reopen the Fraud claims and process from there.

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 2019-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.

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 2023-03-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

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 2023-05-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NY
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 asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent 6 or 7th letter at this point cent via certified mail on XX/XX/XXXX, I have even called Equifax and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. XXXX5 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
It is hard to vocalize how difficult it is to have deal with Paypal. The representatives trying to use anyway to take an advantage and charge illegal fees for friends and family option that supposed to be free at no charge between Paypal members. They invite to add other cards on Paypal account and after that they try to charge credit cards for option family and friends and completely blocked free option and stay ignored on my inquires, emails and messages. Resolution center does not allow opening the case for any of my inquiry that they could have no records of their outrageous power abuse and my attempts to get through. They use anyway to keep their hands on my money and play with that and I have to work hard every day to XXXX them to move my money to family per my request. 
I was waiting since XX/XX/19 and I began to communicate in writing with Paypal to move my money and we got exhausted. Paypal representatives act blind and/or like they do not understand English and try to redirect my inquiries to a different issue that they made up and trying to talk to me to apply for debit business card. I had extremely difficult times to get a PayPal debit card. They lied constantly until finally I got it. But now I need a replacement card and they act like blind on my request in writing and deleted that option when I could just click on and order the replacement card. They try to block me from every possible way to access my money that they imprisoned. They imprisoned my money and charged fees that they refused to return and now even imprisoned my wishes and actions. 
These four transactions that they used their power abuse to charge illegal fees for family and friends transactions : Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Paypal own me {$28.00} for Transaction ID XXXX on XX/XX/19 Transaction ID XXXX family and friends request sent for {$2100.00} and Paypal does not allow me to use family and friends option and want to charge my credit cards.

My Cash Money {$2800.00} on my account and they blocked my money from me. Please help. They keep their Resolution Center corrupted that does not allow to open the case against the inside abuse. They act like thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States.

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan 10th Judicial District Judicial Circuit in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( XXXX XXXX XXXX as assignee of XXXX XXXX XXXX ( XXXX ) XXXX for the past 10 years.

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.

Company response to consumer: Closed with explanation