BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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: Account information incorrect

Complaint:
XXXX, XXXX and TransUnion have all failed to update my XXXX XXXX XXXX XXXX, XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.

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 2022-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The PayPal has banned/limited my Paypal account XXXX XX/XX/2022 they don't even give me a notification that my account will be banned.I have a XXXX funds to collect from them.They should explain what happened to my Paypal account.They should restore or lift the banned/limitation to my account so that I can continue my on going transactions.Thanks hope to here from your response the soonest PayPal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Convergent Resources, Inc.
State: PA
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 a Fair credit reporting act [ XXXX ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, 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 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 2018-12-17
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX  XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying since XXXX to remove dispute comments from my credit report with equifax. I still have 2 accounts with dispute coments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Skrill USA, Inc.
State: LA
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Excessive fees

Complaint:
I made a transaction on XXXX XXXX, 2016 on the internet to XXXX using the checkout merchant provided by them called " Skrill '' and the merchant charged my checking account twice for the transaction. The original charge to the company XXXX XXXX was XXXX equaling out to {$600.00}. The merchant then again charged my account yesterday XXXX XXXX, 2016 for {$610.00} to them ( Skrill ). I dont have any connections with them at all outside of that one transaction to XXXX on XXXX/XXXX/16. I contacted XXXX and they verified that they only charged my account once by them and that they only received one payment. They sent me the invoices and the transaction details of everything on their end and it confirms that I was only charged once by them. On my bank statement it shows that only one charge through XXXX associated with Skrill was made. I tried contacting skrill by phone and email and couldnt get any response. The phone line was automated and when i tried emailing them and they replied with sorry we dont know you you arent registered with us and that is true I am not registered with them so that is how I know I should n't be getting charged with them and they should be taking money out of my account or have my checking account credentials. I have the documents to everything I stated showing everything within the process. The charge that Skrill made on my account to them on XXXX/XXXX/16 came out of nowhere and I didnt make that charge they charge my account for it as if I had bought from XXXX XXXX again but Skrill didnt get the amount right and it was titled wrong. The real charge was stated on my bank statement was listed as XXXX XXXX XXXX XXXX XXXX which was the {$600.00} stating both the merchant ( skrill ) and the seller ( XXXX ) and now I have the other charge which wasnt made by me of {$610.00} from SKRILL XXXX XXXX XXXX and I didnt have anything to do with skrill or have an account with them for them to have my debit card information to charge. The only time my card info was used was when I was directed to the Skrill checkout for checking out on logic templates website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution : XXXX XXXX XXXX : {$900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello, In my employment record, I worked for XXXX XXXX XXXX from XXXX to XXXX and this information is missing. Please help with adding this information as it is needed for my employment verification. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted credit one but they are not wanting to change anything. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX Services XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX XXXX  but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.

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 2022-07-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-10-24
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:
As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's erroneously are reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with XXXX requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!

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 2023-08-23
Company: EQUIFAX, 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:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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 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 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 2022-07-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-04-22
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My income tax stimulus payment was apply to my account through the IRS, and suddenly my account was frozen, without any warning, I never before had any problems with my card, I couldn't even call them to ask why? But I had another account with them with a debit card, only then I was able to get through and when I asked them why I couldn't withdraw my money, they replied that they couldn't discuss that with me, and that they will send me the {$2300.00}. that is in my account, but I don't believe them, please help me with this problem.

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 2023-08-01
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
ayPal account statements dating from XX/XX/XXXX up to the current month, as these documents are required for me to successfully file my bankruptcy. I have contacted PayPal several times over the phone during the last six months in order to request these files ; however, they have continued to deny my request to access my own financial account statements. During my most recent call on XX/XX/XXXX, PayPal offered to send me physical paper copies of these requested statements in the mail. I agreed to this offer and was informed that my request would take 3 to 5 business days to process. However, as of today, XX/XX/XXXX, I have still not received these statements in the mail. at this point, I feel as though PayPal is intentionally and punitively withholding these necessary documents from me. As a user of PayPal products, I should have the right to at least view these documents, regardless of my accounts standing.

Company response to consumer: Closed with non-monetary relief