BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recieved a bill from Pay Pal, stating i should contact them concerning this at the # given XXXX. I called and told the person about the invoice and he stated he would transfer the call, a man stated his name was XXXX and he was in charge of financial matters at that location. 
Then he said the phone connection was not clear and he needed to call me back on another line. He called from # XXXX and he began explaining how this would have to be resolved. He looked through my computer and found my bank account, then he deposited {$1400.00} to my account., when it was complete. then he said he had made an error and the deposit he placed in my account should should have been {$1100.00}, he wanted me to go to a store and purchase XXXX {$100.00} gift cards and call him. My care giver was with me all this time and she said this was a scham. I should have listened but Pay Pal would never allow this unless it was in on it all the way. I was not able to buy XXXX cards, only two. All told I have been taken for {$200.00}. and hope this will detur anyone else from the same as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
On XX/XX/XXXX, upon the advised of a legal councel, I immediately went to XXXX XXXX Police Department and filed a report regarding what I just learned a fraudulent information showing on my credit report. I am very much surprised to learn that an existing mortgage account being reported under my Name and my Social Security number by XXXX XXXX XXXX  with opened date back XXXX of XXXX. 

I hereby attaching sworn statement given in from of Police Office XXXX XXXX # XXXX. 

Account information of fraudulent account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Loan Amount : {$90000.00} Balance Owed : {$15000.00} Though this account appears to have been kept with good payment status, this is still not mine and 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 2017-08-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 explanation
Consumer complaint received 2019-12-27
Company: LEXISNEXIS
State: NY
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: Public record information inaccurate

Complaint:
Lexis Nexis sent to my employer a list of " 61 judgement & Liens '' When I disputed this they sent me a list of my previous home address '. 
The list of 61 judgments & liens were all not accurate, satisfied, duplicates or not mine. 
They also sent this to a prospective new employer as a pre hire check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXX Balance : {$190.00} ; XXXX  XXXX  XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXX Balance : {$1700.00}.

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 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a IRA account with XXXX XXXX this morning ( Application ID : XXXX ) but was denied. I have spoken to two different representatives from XXXX XXXX and the Bank of America platinum honors line after waiting for a long time on hold. The last representative that I spoke to stated that the denial is coming from Bank of America and told me to call another number. He also claimed I placed a do not open a account order which I have never done. 

I found all this to be unacceptable with no clear answer why my application is being denied and being given the run around. I have been discriminated in the past by Bank of America with random closure of my checking account which was reversed in less than a week due to their error. I have never had a negative transaction with bank of america or its affiliates to warrant this treatment. 

Please forward this complaint to the office of the president and FINRA.

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 2022-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, Equifax, XXXX I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, XXXXand I noticed an unauthorized credit inquiry had been made. I made a dispute and got a instant decision the Inquire was mine, I called all XXXX bearus and let them know it wasn't mine.I uploaded a example from Equifax I did a dispute on XX/XX/XXXX after hours and got a automatic denial on XX/XX/XXXX 1 minute later. These practices needs to be changed within the bearus. And all XXXX bearus said " All Inquires are always true and accurate '' When I called. 

*I uploaded what Inquires needs to be removed I request that you remove the Inquires from my credit report. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: RFNA, LP
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: Problem with personal statement of dispute

Complaint:
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is trying to collect a debt that is not mine. They are listing themselves as a factoring company when they are not. Ive never had an account with either them nor the company they said they took over for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. 

Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. 

I would like to know if I may get assistance with this matter. 

warm Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.

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 2022-01-21
Company: Global Lending Services LLC
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: Account status incorrect

Complaint:
The loan with Global Lending Services was included in a XXXX  XXXX bankruptcy. In XXXX XXXX was dismissed and then refiled on XX/XX/XXXX. In XX/XX/XXXX I noticed that Global Lending Services had started reporting as an open account with a balance of {$6000.00} and that it was at least 60 days past due. When I called Global Lending Services, they advised they verified the bankruptcy was dismissed on XX/XX/XXXX, I advised that by that date the new bankruptcy had been refiled on XX/XX/XXXX. They have the ability to update my credit immediately, but they have not. This caused a XXXX  point decrease in my XXXX and a XXXX point in my XXXX. Even if they update I will not get all of those points back. I am requesting the debt be removed in order to recover all points I have lost due to their error in order to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX sent a " late payment '' notice to Experian. XXXX and I worked the issue out. They sent the " notice to remove '' or retraction of the late payment to Experian on XX/XX/22 between midnight and XXXX a.m. according to XXXX and they have yet to remove it. It is IMPOSSIBLE to reach anyone at Experian to check status but an automated menu that does not offer an option for anything but your membership billing, etc. 
They are swift to put NEGATIVE on your report but very slow to update. This took my credit down almost 50 points and I want to refinance my house 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 2017-08-23
Company: BOK FINANCIAL CORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is ( XXXX XXXX ). There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( TransUnion ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.

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 2022-01-21
Company: Genesis FS Card Services, Inc.
State: UT
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:
Credit card was opened with this bank in XXXX of XXXX. The account was closed in XXXX of XXXX by the provider. Despite repeated attempts by me to make payments ( and confirming my account information ), their system kept trying to pull the money out of my Checking account when I indicated multiple times to pull the funds from Savings. I spoke with a representative who confirmed the issue, and I was told I could not make any payments by debit card to resolve the issue. The bank closed the card on XX/XX/XXXX for returned payments however I received no notification of the account closure or pending closure. I did receive a letter in XXXX of XXXX that the card terms had changed, and I continued to receive statements, however there was no correspondence of any kind that my account was closed on those statements or when I log into my account on their website. When I spoke to a representative on XX/XX/XXXX about my payments on she did not tell me the account was closed. I spoke to a representative on XX/XX/XXXX who confirmed I did not get any letter or notification that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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 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  has violated my rights. 

15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states consumer reporting agency Can not furnish my 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 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : 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 2017-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a open account with a company and disputed the balance. The account originally fell delinquent in XX/XX/XXXX. Somehow a new debt collection company purchased it and change the age date on the loan twice to XX/XX/XXXX and then again in XX/XX/XXXX. The Delinquency should be close to 6 years old now not 3. I think they re-aged the account on  purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.

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