BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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:
In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with XXXX, XXXX and Equifax. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 accounts below : XXXX XXXXXXXX XXXX XXXX  {$460.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
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:
On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, Equifax letter # XXXX, and XXXX letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXX # XXXX, XXXX-Acct # XXXXXXXX XXXXAcct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and Equifax letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have 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 a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: MS
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 disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: MD
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 checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
there is no sufficient information to support Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit 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  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2021-02-24
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:
In XXXX, and XX/XX/XXXX someone opened two fraudulent Credit Card accounts in my name with XXXX XXXX XXXX. In XX/XX/XXXX someone opened two fraudulent accounts with XXXX card and XXXX. I've tried disputing this matter with TransUnion, XXXX and XXXX. They haven't blocked the fraudulent accounts in accordance with the FCRA Section 605B. 
1. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX 2. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 3. The following account is not mine XXXX Card Account Number : XXXX 4. The following account is not mine XXXX Card Account Number : XXXX 5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX 6. The following account is not mine XXXX /XXXX /XXXX  Account Number : 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 2021-02-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the Spring of XX/XX/XXXX, Wells Fargo notified me they had frozen my XXXX XXXX ' checking account due to " attempted unauthorized access ''. No funds had been removed from my account, and they refused to provide any further evidence of or information about this unauthorized activity. They told me the account would be frozen for six months and then closed permanently, and that I would need to set up a brand new account with them. At the time I relied heavily on automatic bill payments due to the large number of XXXX my XXXX had to pay, and this situation caused a large number of those payments to fail. After spending hours on the phone with Wells Fargo customer service and escalating my issue up the chain of command, I decided to move to a different bank and close my Wells Fargo accounts myself. That's when the issue I'm actually filing a complaint about began. I went through several rounds of closing my account, then finding out later it had been re-opened, with ongoing fees. When I would call in to inquire about the matter, I was told the account was re-opened after closing because " there was continued activity. '' In many cases, this " activity '' was from fees the bank itself was charging to my account, and in others it was due to XXXX I was still in the process of switching over to my new bank ( or that I had forgotten in the process because they were paid infrequently ) attempting to charge my debit card. I tried authorizing the bank to reject any attempted activity on the account and let me deal with the consequences, but was told that was not how it worked. This happened at least three times, each time with promised that the account was really closed this time. I was told if I came into a branch to close the account they MIGHT be able to close it permanently, but I explained ( despite them already knowing this ) that I lived high in the mountains, a long drive away from the nearest branch, and that I was running a highly face-to-face customer-focused business single-handedly and could not afford to make a long trip in the middle of the week with no promise of success. 

To this day ( six years later ) the account remains open, and I have continued to incur bank charges every month. I have since moved to a less remote location in another state, but based on my past experiences with this bank I do not have any confidence that walking into a branch ( especially a branch other than the one where the account was opened ) will result in any satisfaction.

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 2022-02-14
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Macys is an old account that should no longer be reporting on my XXXX credit reports. 

This account is from 2013- it has reached its statute of limitations. The account was closed more than XXXX years ago.

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 2018-10-16
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I see a Debt added to my account for {$730.00}, opened XX/XX/2015. I have yet to receive in validity on the debt. When I reach out to someone the customer service reps acts as If no information can be given. I have disputed the debt because I have no knowledge of the debt, and yet still no validity of the debt has been sent so that I can take action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a letter about a medical debt from Holloway Credit Solutions out of XXXX, AL the letter stated I have until XX/XX/XXXX to file for financial aid. Within the 30 days they would not contact me. XX/XX/XXXX they are contacting me. I asked to speak to a supervisor, they refused to transfer me and hung up. I called back and they continued to hang up and will not transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$1500.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I have filed a dispute in regards to some accounts on my credit profile not being XXXX compliant.

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 2018-10-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2013, XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize 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 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXXXXXX XXXX XXXX hauling XXXX.to ask about XXXX XXXX my husband and XXXX   stephfather how to reach XXXX XXXX is XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is Harrasement. 
XXXX Ph # XXXX ext.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
In XX/XX/2018, I went to purchase a car and was informed that I already had a car loan that was recently closed and charged off. I contacted the three credit bureaus individually to dispute the fraudulent account on my reports. The information was immediately removed from XXXX and XXXX due to the fact that I am a confirmed fraud victim. Each bureau had been previously sent a copy of my two separate police reports. Equifax report came back with confirmation that it was my account. I informed them that the account was fraudulent and they already have my police reports on file. They informed me that I needed to add the car on the report so I did in XXXX  of this year. I disputed the account again and Equifax continue to allow XXXX XXXX XXXX to so call verify that the account is mine. I asked that representative I spoke with to explain what and how the bank is verifying my information. The representative informed me that the bank verified my address, name, social and birthday. I informed them again that I am a verified victim of fraud and of course they have my personal information but there is no way that they would have my address. Also today I went down to the police station to get an updated copy of my report. The clerk informed me that the report would be sufficient enough for Equifax. The clerk also stated that Equifax can contact the number on file and verify that the information is in fact on my police report. The XXXX   County Police clerk stated that they can call and confirm that the car was reported as fraud and that they would verify the information by using the incident report number I submitted to them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to XXXX my regular mortgage payment. They put the money on an account named unapplied funding. XX/XX/XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XX/XX/XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that XXXX reported that the report is accurate. I dont believe it is because if they want to report the month of XX/XX/XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if XXXX finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that XXXX need to report the right thing to the bureau of credit

Company response to consumer: Closed with non-monetary relief