BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXXNational Credit Systems -no action taken XXXX National Credit Systems handed collection over to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed XXXX XXXX credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My with American Express are in good standing by not being in default or delinquent so adverse action does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
i notice inaccurate and incomplete items on my account from TRANSUNION, XXXX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.

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 2017-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
I have tried time after time with Experian with public records with XXXX county recorders office of a state tax lien which the balance is wrong and not no {$5600.00} in which it 's not even half of that. 

I have sent the amount from the state of California for months the bill from them and Experian will not update information right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: CITIBANK, N.A.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I tried to collect {$170.00} from Citicards Reward program. I was unable to collect it with a deposit to my new credit union account because I had changed my bank account info the first week of XXXX. They would only transfer the money to my OLD bank account ( which fortunately had not been closed yet, but could have EASILY been closed. ) In order to collect the money they owed me, they insisted on transferring ONLY to my old account. 

I had already deleted the old bank account from my 2 Citicards accounts ( Citicard XXXX XXXX and XXXX XXXX XXXX ). Then I entered my new credit union account. All was well on the payment side, but NOT on the Rewards side. The bank changes did not transfer there, and ONLY my old bank account remained ( although I had already deleted it. ) When I added my new credit union info I asked when I could put the Reward dollars into my new account? They said after one payment cycle. After the payments for both accounts had successfully cleared my new credit union account in the first week of XXXX, I asked for them to deposit my Reward dollars in my new credit union account. They said NO, and that it may take 2-3 payment cycles before that could happen.
I do n't understand why they could n't do this, based on the fact that my payments cleared on both cards. It is like they can take my money from the new account, but are hesitant to allow my Rewards ( which I have already earned ) to go there. Why? My account had been " verified '', and there should be no reason to deny me this.
I asked for a supervisor to push it through, since I was leaving on a month long trip soon. She refused. In order to get the money, I had to deposit it to my OLD account, and then write a check off that account, and drive to my Credit Union to deposit it. It makes NO sense to me that I should have to go through all this after my new account had been verified. Very poor customer service, and for no logical reason, in my opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: VA
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:
credit reporting agency will not update my XXXX XXXX XXXX card as paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
Beginning in late XXXX to early XXXX I had purchased XXXX from XXXX XXXX through using XXXX that was linked to my XXXX that was linked to my previous bank account. since then i keep seeing numerous unauthorized transactions from xsolla.XXXX XXXX.XXXX.XXXX  XXXX, XXXX XXXX XXXX XXXX view, XXXX purchase XXXX # CA they keep taking different amounts out of my checking account. i closed my old account opened a new one had numerous cards cancelled and had new ones issued only to have this thing attack my account again. i dont know what else to do. i have screenshots of the numerous transactions in my phone. this is getting to be a nuisance and i dont know if i need to involve the police and take a police report because they keep stealing money from me. they even hacked my prepaid debit card somehow and i dont even kmow how they got into that account. XX/XX/2021 there were two charges for the amount of {$2.00} and {$4.00}, XX/XX/XXXX and XXXX XXXX there were numerous amounts for {$1.00} XXXX XXXX there has been charges for {$19.00} for both my checking account and my prepaid debit card. I contacted XXXX previously to which they refunded me the money back in XXXX but this has been recurring and i dont know if its from the XXXX company itself or if its a third party associated with XXXX or if its hackers from from the different games on XXXX but this has gone on far too long and i am frustrated i cant keep closing accounts and cancelling debit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My Equifax report has gone unchanged for at least two years ( I  had not regularly checked it prior to this ) although the other two credit agencies show multiple changes over the same time frame. Equifax does not reflect current accounts and shows a lien of {$2600.00} that is not mine. It looks like the lien is a California court case filed in XXXX but I did not reside or work there for several years prior to this and know nothing more about this account. When it pulls up my account it does not show my current name but a name I have not had in 22 years. I attempted to dispute the information online but every verification question is incorrect - none of them apply to me. It also shows that I lived in XXXX California which I have not ever lived there. It references names that are not mine as well. I spoke with an Equifax customer service representative and, as per request, faxed copies of my drivers license and social security card and a detailed letter with all specifics listed on XXXX XXXX, XXXX. Equifax added a couple of new accounts since then but none of the incorrect information was removed as of XXXX XXXX, XXXX. Wrong open accounts, wrong court lien, wrong personal information and address history - I need this rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

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 2021-10-21
Company: Experian Information Solutions Inc.
State: AR
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:
So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist

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 2018-01-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Paypal keeps on putting holds on my account for no reason. This is ridiculous! They peremently limited me because I spoke my mind and gave feedback!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: SC
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:
I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( Equifax ). OnXX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On XX/XX/XXXXI notified the furnisher directly that there is a monthly payment of {$400.00} reporting to XXXX  and Equifax on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  )XX/XX/XXXX and 30 days late ( Equifax ) at the same time. XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( Equifax ). XX/XX/XXXXit reflects that I was 60 days late ( XXXX ) and paid on time ( Equifax ).XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( Equifax ), XX/XX/XXXX it reflects that I was 150 days late ( XXXX ) and 120 days late ( Equifax ). It also reflects that I was late 120 days for the months of XXXX-XX/XX/XXXX on Equifax. There is also activity reporting after the account was closed which from my understanding is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is in many section of the fcra including but not limited too 604 and 609 i dont owe this third party collector upon asking for validation they can not give any i have not done business with this company and it needs to be removed asap this is really affecting my financial future

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never heard of SW CREDIT SYSTEMS until today when I checked my 3 credit reports. Back in XXXX, this company listed a new collection account not once, but TWICE, days apart on my credit reports. Major hit. 
I dont know this company or this {$250.00} that is attempting to be collected from me. 
Sounds like a huge scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: National Commercial Services, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Originally contacted by XXXX on XX/XX/XXXX regarding $ XXXX owed due to auto accident I was involved in two years prior. Representative XXXX advised if I did n't pay immediately that I would lose my license. After calling back we came to a payment agreement because I was scared to lose my license. I was not made aware of my rights in disputing this debt and it has taken several calls to get any type of straightforward information from this company. 

At present time I am still not clear on what my rights are as this is a bogus medical claim from an accident that occurred two years ago. I was never contacted by the auto insurance company XXXX that they were pursuing subrogation, nor was I ever contacted by the other parties attorney 's XXXX XXXX XXXX It has taken 3 months of dealing with XXXX to put together enough information to dispute this bogus claim. 

On our original contact XXXX gave me the false impression I had to pay XXXX immediately to avoid losing my license. In follow up conversations that amount was lowered and I was put on a payment plan I never would have agreed to this payment plan without being given false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice on my XXXX credit card statement from Capital One was past due, attempting to pay the past due amount I paid {$400.00}. Apparently the past due amount was {$400.00} for which they sent to the credit bureaus my account was delinquent for {$9.00}. No where on my monthly statement does it state the past due amount clearly, it just states the past due amount and next month 's payment. Very deceiving to a customer when they are trying to bring their account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text from a friend that I was on a list to receive a grant from the XXXX XXXX XXXXn and he received or said he received money from them. It turns out it wasnt my friend I texted back-and-forth with him and it was not him. XXXX XXXX the grant. XXXX XXXX XXXX XXXX texted me to send {$1000.00} handling fees before I could get the money that was supposed to be delivered from XXXX. Her number is XXXX. I tried to send her {$500.00} and she said it didnt go through but it did. And then I tried to send it to another person named XXXX XXXX XXXX. That was sent from PayPal the other was from XXXX at my XXXX XXXX bank. I called and froze my accounts at XXXX and the other companies. I filed a police report. I got off of PayPal XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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:
From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions XXXX  XXXX Experian To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX XXXX ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX  XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST 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 non-monetary relief
Consumer complaint received 2017-11-06
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call XXXX and they sent a summary, but did n't address the reason for the drop in points. Transunion later drop my score XXXX XXXX, through XXXX, XXXX 32 points without any explanation through XXXX XXXX. I just want to know what cause my score to be effected.

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 2017-11-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Interest rates are too high and affecting my credit score School provided me with no information that my loan was even sold to navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Exeter Finance Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I WAS A VICTUM OF FRAUD ON MANY INQUIRES ON MY CREDIT REPORT IN WHICH I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation