BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, 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:
I filed a dispute with XXXX ( XX/XX/XXXX, Report Number XXXX ) and Equifax requesting that they do a full investigation of all information being reported on my credit profiles by XXXX XXXX XXXX XXXX because they were both reporting different information from the same company regarding the same alleged debt.

I also wrote a letter to XXXX XXXX XXXX XXXX  requesting a full investigation and proof that the information they are reporting is valid, belongs to me and is accurate. They did not respond. 

When XXXX and Equifax supposedly completed their investigations, they are still each reporting different information. After a full investigation, XXXX still does not have the date of first deliquency. They show that the collection will remain on my report until XX/XX/XXXXXXXX XXXX which would put the date of first deliquency at XX/XX/XXXX. Equifax shows a date of first deliquency of XX/XX/XXXX, which is also not accurate based on my recollection, which is why I did not recognize this information as being accurate to begin with. How can XXXX claim to have done a complete investigation into the validity of this alleged debt, yet they don't have the date of deliquency? How can XXXX continue to report this collection if they don't know how long they are legally allowed to report it? Furthermore, how can either company continue to report this collect when, after a full investigation, they are both reporting different information? 

Lastly, I disputed the multiple incorrect addresses XXXX refuses to remove several times. XXXX claims that because creditors, including XXXX XXXX XXXX XXXX have reported these addresses, they can not delete them. The only address that should appear on my credit report is the address I've provided them with on my disputes several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My issue is with TransUnion. I have been working on my credit and working to repair and update inaccurate information. I went through identity theft in XX/XX/XXXX and divorce in XX/XX/XXXX-XX/XX/XXXX. All credit reporting agencies have kept up to date EXCEPT TransUnion. I have submitted disputes in XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX. The info regarding account that are listed that are not mine, has bee disputed and TransUnion refuses to remove the information. I filled bankruptcy in XX/XX/XXXX, accounts are not listed properly as in bankruptcy, but still being reported as late pay and negative open/collection accounts. I have called repeatedly, with no results. I'm told that an investigation is being done, but that's a lie. I need assistance.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 2022-12-20
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
was denied Hilton Honors bonus points after spending the required amount within the required period of time. Was never informed of this prior to them accepting me for the card of when I received the card.h I feel this is bait and switch by AMEX Hilton 's Honors card, very deceptive customer service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
WE KEEP GETTING FORCED TO PULL XXXX   AGFAINST OR WILL THIS I DONE WITHOUT PERMISSION AND LOWER SCORING AND HIGHER RATE

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 2021-03-03
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame. I feel because of the pandemic I'm being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX Act # XXXX XXXXDept of ED Act # XXXX has violated my rights. 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. section 1681 section 604 A section 2 : It 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 account under an open end consumer as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite the multiple written letters and CFPB Complaint I have been sending to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus did not complied with the FCRA regulation and continued reporting the disputed accounts and information without sending me copies of proof of verification or any documents bearing my signature. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA, I am requesting that the Credit Bureaus remove the following items deleted as soon as possible : XXXX XXXXXXXX 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 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 2021-05-05
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account at Paxful has been frozen since 9 months and Paxful claimed that it is under compliance review. Till today this review did not finish and Paxful is not allowing me to withdraw my funds. it is an amount of XXXX. I want to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the week of XX/XX/XXXX I have tried dozens of times to release a freeze on my credit report. While successful on the other agencies, Equifax is a disaster. Every time I log into my account on myequifax.com to manage the freeze, I get a message that the action is current unavailable. This has continued EVERYDAY for a week. Then I tried to use the phone system, and each time I get through the maze of questions including particular amounts on my actual report, I get to the end of the line and get a massage that my request can't be processed at this time. This has happened several times despite my having the actual figures from my report available to respond to the questions. Then I'm told that I either have to fax or mail a bunch of documents in order to have the freeze released. Obviously mailing docs will take several days, so I opt for fax. Finally I got word that the report has been unfrozen. It should not be so hard to use a platform when I have all the needed info, but the on line system doesn't function for more than a week. I checked on line forums and have learned that the on line system has been unavailable since the early summer. Couldn't they inform us via their web site this is the case. I never asked for Equifax to hold my data. I would never frequent a company that performs so poorly, however, I want to get a new mortgage, and I'm told that I HAVE to get Equifax information. If they are going to make a business off of selling MY information, the least they can do is let me manage it as needed. Isn't this just the reason that the CFPB was created for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HSBC BANK issued this card WITHOUT MY AUTHORIZATION. Now reporting this derogatory credit card on my credit report. My numerous attempts to get ahold of HSBC went ignored they do NOT list their phone number on the credit report and their address is NOT deliverable. SEE THE LETTER THAT WAS RETURNED TO ME MY USPS. I'M REQUESTING ALL CREDIT BUREAUS TO DELETE THIS ERRONEOUS ACCOUNT FROM MY CREDIT REPORT BUT THEY ARE TELLING ME THAT XXXX HAS TO VALIDATE THIS ACCOUNT .... HOW ARE THEY GETTING HOLD OF THEM WHEN I'M NOT ABLE TO? ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $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 2020-10-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over 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 2022-04-28
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:
I am challenging the incorrect information with XXXX  XXXX XXXX where all 2 Bureaus XXXX and Transunion have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly.

I contacted all 2 bureaus XXXX, and Transunion as well as XXXX  XXXX XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: IA
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 and there where inquiries from identity theft reported on their on my XXXX and my XXXX  and when i tired to have them remove it they wouldn't.

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 2020-12-08
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/20 XXXX processed refund to Paypal of {$340.00} for 2 non delivered futon sofas. Paypal refused to refund my 1st payment of {$86.00} unless I pay the other 3 equal payments even though they were paid in full by XXXX on the same day, thus forcing me to close debit card used and file chargeback with bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requests and updates on the attached XX/XX/XXXX letter from Chase. I am requesting a copy or at the least a summary of details of phone call reflected in letter on XX/XX/XXXX from XXXX. I am also requesting a copy and at the least a summary of details of the outbound phone call on same day. The phone number was never mine. 
In the attached, Chase requested list of fraudulent charges. The fraudulent charges started XX/XX/XXXX of {$450.00} to XXXX XXXX and all others after that. I was recovering from XXXX and faithfully making payments and not incurring any more debt. The fraudulent payments started one day after my payment on XX/XX/XXXX of {$220.00} on XX/XX/XXXX of {$2400.00} and made by phone. My payments were always on the web. Additional fraudulent payments were then made to circumvent Chases payment policy to exceed the credit limit up to {$12000.00}, {$5100.00} MORE THAN CREDIT LIMIT! 
Chase exacerbated the problem by not removing payments and charges. Then Chase charged off the card. I wanted to keep my card, continuing making payments on my debt. But now I dont have the {$5900.00} that was my portion. I am almost XXXX and dont have that money laying around. This problem was started by theft and fraud and view the {$5900.00} as fraud also. I had asked for return of cards but Chase isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? 
Chase welcomed me to contact them to give fraudulent charges. Calling Chase is very difficult and it has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Chase to call the consumers when Chase is not so overwhelmed? My number is XXXX.

Company response to consumer: Closed with explanation