BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: VA
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 was called in XX/XX/XXXX by XXXX XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXXXXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.

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 2018-07-16
Company: Experian Information Solutions Inc.
State: MD
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:
Last year ( some time in XX/XX/2017 ) my & my son 's SSI # 's were compromised when we went thru HUD to try for a home. Since that time we were given a years free reporting from the 3 agency 's. Experian has taken it upon themselves to check my credit sometimes 5 times monthly & say its not effecting my credit yet in those months it has brought my score down by at least 28 points everytime!

They also have told me I should Not pay off my credit cards on time as this hurts my credit?? The kicker was yesterday they dropped my credit score by 45 points! When I asked they said it was because I paid off my credit card too soon? What is wrong with these people? 
My son has a XXXX card, racks it up just to gets points & pays it off monthly, Nothing like this is happening to him. 
I did report this to my local Office of the Commissioner of Financial Regulation. As you will see they sent a letter stating I gave them almost unilateral permission to use my credit anyway they choose. I did not.

What I desire is for them to apologize and stop. This is messing with a ( what was a XXXX ) credit score in XX/XX/2017. 
By the way, I have called them, I have tried filing disputes, and now this is what happens. 
Sadly if the other two follow suit this will really hurt my credit There are two more pages ( I do hope the other 's made it to you ) That just won't copy. They are from XXXX XXXX @ Division of Financial Regulation XXXX Md. Re : # XXXX. I hope you can get the information from that office

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: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 My unemployment check was deposited into my PayPal account for the amount of {$780.00}. After the money was deposited, PayPal decided to lock my account and freeze my funds. I have had this account for less than a month. I have done nothing wrong but deposit money and use it to make online purchases. I contacted PayPal and they said I would have to wait 180 days to release my funds. I am unemployed, have bills to pay and a child to take care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP

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 2020-11-23
Company: National Medical Administrators, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I made a one time purchase with XXXX XXXX XXXX XXXX  ( company ) in XX/XX/2020, and now I am being harassed by a collections agency named " XXXX XXXX XXXX XXXX XXXX '' After my purchase of XXXX XXXX XXXX XXXX on XX/XX/2020, I called them and told them to cancel my subscription. I notified them that I did not open their product and would be sending back the product. They indicated that they would close out my account and would not be collecting any monies from me as a result of the unopened product being returned. They gave me the XXXX numbers to include on the package. I sent those packages back and they were delivered. 

On XX/XX/2020, XXXX, I called XXXX XXXX XXXX asking for verification that they closed my account. They mentioned that they could not close the account because I only sent one package and not two separate packages. I told them that I was never informed that the two products needed to be sent in individual packages. The represented from XXXX XXXX said, Oh, wow he forgot to tell you. Dont worry, if you pay {$18.00} today then I will close out your account? I informed her at that time that I knew that this was a scam. I asked her to transfer me to her Supervisor, because I would not be paying the {$18.00} nor providing her with any more credit card information. She stated that she would escalate my case to her Supervisor and that they would be calling me 24 hours later. 

On that same day XX/XX/2020 at XXXX, I called XXXX XXXX XXXX XXXX  again hoping to get a hold of another representative. The gentlemen explained to me that he could not close my account. I then received a cancellation email ( see Exhibit B ) at XXXX, right after we hung up from the original transaction I made on XX/XX/2020 at XXXX. 

I have formerly written National Administrators Inc. that they cease and desist all phone calls as they are harassing and incriminating in nature. They continue to call me and send me mail, asking to pay the balance of {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: NV
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:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... 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 2020-09-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We paid our Citi credit card statement balance of {$16000.00}, via the internet, on XX/XX/2020. Citi withdrew the funds on XX/XX/2020 from our XXXX XXXX account. However, they have told us that the funds will not post to our Citi account until XX/XX/2020. 

Why are they allowed to " hold '' funds for 14 days?

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 2023-06-22
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 we were in the market for a new dog, and wanted to purchase a XXXX XXXX, I found this website called XXXX. It looked to be legitimate and we reached out to them regarding one of the puppies, the gentleman responded by email and also sent me a text message. We had correspondence back and forth and he offered us a deal on two puppies, we asked him for more pictures of the two puppies we were interested in, which he emailed to me. After some discussion we decided to to go ahead and purchase the two puppies. It was agreed that we would pay him {$1100.00} for the two puppies and he would ship them from XXXX to XXXX XXXX on Sunday ; he would be in touch with the shipping information once he had everything in place. He even called me on the phone and talked to me in person. I went ahead and made the payment via Venmo. All seemed to be in place. On Sunday, our son copied and pasted the website into the computer just to double check as we had not herd anything about the shipping of our puppies yet, so we wanted to double check for legitimacy and reviews. This is when we found that this site was in fact a scam and we had been scammed. 
We were to have two XXXX XXXX XXXX  puppies delivered to us on Sunday, XX/XX/2021 by XXXX. On Sunday this individual finally contacted us telling us he was making arrangements and the shipping company would be in touch. At XXXX XXXX. we did get a message from a bogus shipping company XXXX XXXX XXXX XXXX claiming the puppies would be on their way. At XXXX XXXX. we received another message from this fake shipping company informing me that my puppies were now in XXXX, Virginia and in order to get them from there to my home I would need to pay another {$950.00} for XXXX XXXX, which was never mentioned in the original deal we made with the individual from XXXX. We of course did not do this, we had looked up the name of the shipping company and found it to also not be a legitimate company. After that we did not receive any more contact from either the individual selling the puppies or the shipping company. 
I did contact the merchant/individual on XX/XX/2021 and requested my money be returned as I had not received the puppies and did not receive nor have I received any response from him. 
I reached out to VENMO to try and get the transaction stopped and was told there was nothing they could do. I then contact the Card Services for my credit/debit card that I used and after they did an investigation was also told there was nothing they would do either. 
I have copies of all the text messages and emails if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
CFPB, Please accept this complaint as a formal notice that TransUnion is in violation of my rights under the FCRA. I have advised this company multiple times that they are furnishing inaccurate information on my credit report. 
I disputed an account on my file being reported by XXXX XXXX XXXX XXXX/XXXX with an account number of XXXX on XX/XX/2018 ( attachment A ). TransUnion received my letter on XX/XX/2018. I informed them that this account is no longer supposed to be reported negatively and supplied TransUnion with documentation supporting my dispute ( attachment B ). After recent review of my credit report furnished by TransUnion, I noticed that their company did not update the information to the appropriate monthly payment history of OK, for all months reported nor an account status of paid as agreed. This account should have NO negative payment history, and they have not corrected the inaccuracy after being informed. There are also a number of other inaccuracies being furnished by this company. 
The account number was changed from XXXX to XXXX. 
The account type is being reported as employment, when this account is an education loan. 
They are reporting a monthly payment of {$50.00} on this {$0.00} balance account. There can be no monthly payment on a {$0.00} balance account. 
The payment status is reporting 120 days past due when all payment history should have be updated to paid on time and as agreed. 
The high balance amount is reporting as {$2500.00} and should be {$0.00} ( as it is reporting to XXXX as {$0.00} ). 
TransUnion is in complete violation of my rights as they are knowingly furnishing inaccurate information and damaging my credit worthiness ( attachment C ).

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 2023-06-20
Company: Avant Holding Company, Inc.
State: MI
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, These Creditors : Avant LLC/WEb Bank . XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/block all access to my file and contact me directly at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: AL
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 Submitted a dispute with XXXX XXXX XXXX for unauthorized credit inquiry from XX/XX/XXXX. I received a response from XXXX  XXXX XXXX, it would be removed no later than XX/XX/XXXX as they submitted it to Equifax to remove. Equifax refuses to remove from my credit report and refuses to help me resolve this. 
case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Bk of amer has been reporting inquiries on my report without my consent for a while XX/XX/XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX please stop this from happening more and take care of these egregious acts.

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