BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: WA
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 open date XX/XX/XXXX, XXXX XXXX  open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, and XXXX XXXX XXXX open date XX/XX/XXXX. 

The accounts above keep coming back as verified when Experian investigates the accounts. I have sent letters to all the creditors above to verify myself and the creditors can't verify the accounts. I'm not even in their database. So I don't know how Experian is verifying the accounts.

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 2015-06-26
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called collection cosultants in XXXX Ca because a XXXX bill of {$420.00} pops up on my credit report. When I call to make payment the credit collectors say different amounts and will not take my {$420.00} payment but want close to {$3000.00}. This company seems very fraudulent to me and I asked them to produce records of the supposed debts and they will not comply. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion readded more than 20 inquiries to my credit report that were previously deleted from my credit report. These new credit inquiries are not the result of new credit applications and are just inquiries that have been previously deleted. There are also multiple inquiries from the same companies and dates despite me only applying for credit with those companies once. When I called, the representative told me that there was nothing they could do about the inquiries.

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 2021-10-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has violated my consumer rights. They will not remove a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2022-03-27
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Frontline Asset Strategies has been attempting to collect {$960.00} from me, issued by XXXX XXXX XXXX since XX/XX/XXXX. I have spoken to XXXX  numerous times, who have confirmed I have never owed them this money, as I currently have an account open and in good standing with them. They suggested I dispute the account, which I have multiple times. 

I have also called Frontline Asset Strategies, and was entirely dismissed, as they would not even speak about the debt and only wanted to collect, and I am still receiving numerous and non-stop calls from them daily attempting to collect debt that I do not owe. 

I have also disputed this debt 3 times through XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and it comes back as accurate. XXXX will also not help me and only suggests to continue disputing the debt. 

I feel powerless in this situation, as none of the companies involved are willing to communicate with each other to resolve this issue on my behalf. This is predatory behavior and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: WI
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 following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request. 

XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX of Wisconsin XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian

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 2022-07-17
Company: EQUIFAX, INC.
State: WI
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 following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request. 

XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - Equifax XXXX of Wisconsin XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using PayPal since XXXX. I used it for many years to buy items online and also to purchase sports cards for my hobby. During XXXX and XXXX, the sports collectables industry experienced a huge boom. So my hobby essentially turned into a business due to the huge increase in demand for sports cards. I mainly focused on selling soccer cards. During XXXX and XXXX, my transaction volume and amounts increased tremendously in comparison to my previous use since I started buying and selling sports cards at much higher prices. During these 2 years, I buy and sold hundreds of cards online to people all around the world. Unfortunately, as the amount of my transactions increase so did the probability of encountering problems with sellers and buyers. On several occasions, I had to deal with fraudulent buyers and sellers sending me fake cards, damaged cards, different items, and even lost packages by the post office. All of these issues become huge problems for me because they were high valued items. Sports cards ranging from {$100.00} to {$8000.00} each. Every time I had any issues, I had to open a dispute with PayPal to either return an item and get my money back if I never received the item that I purchased. Due to the increase in my transactions, I naturally encountered more problems since I was dealing with numerous sellers from around the world. Once day, PayPal closed my account without any explanations and told me that they could not give me any explanations to why they closed my account. I was banned from PayPal and my business was ruined since I can no longer buy items safely from sellers around the world. Now my source of income has gone down significantly because of this and it has been a huge issue in my life. PayPal was crucial for my business and the damage that they have done to me is irreparable. The amount stress and the amount of time that I have had to put into dealing with this has been horrible. I have spent months dealing with claims with my bank trying to get my money back for items that I never received or that arrived damaged. I also lost thousands of dollars for certain transactions that I was not able to open a dispute since my account for closed. Overall, this has been a huge nightmare for me and I am going to do whatever I can to make sure that PayPal fixes or pays this. They have ruined my life and my business and I will take legal action if necessary. I tried contacting them several times and they never provided an explanation or tried to help me in any way even after I offered to show them proof of everything that I stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: MO
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a rushcard. I have n't had access to my funds for 12 days. On XXXX my direct deposit of {$1900.00} from my employer posted. However- rushcard has posted it to my expired card. I have been a customer for 3 years. When your card is near the expiration date, you are automatically issued a new XXXX. I received it in XXXX, activated it and had been using it. Then their system went down. When it " came back online '' all of a sudden it would n't recognize my new card number and will only recognize the old expired card- which I ca n't use because it is expired. It 's basically like my new card does n't exist and I have called over 30 times. When they do n't hang up on me they tell me they ca n't access my account. I do n't have food or gas and I need to pay several bills. Also some automatic payments for my bills are being declined because the companies ca n't access the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX. Account # 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 2017-12-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw two new hard inquiries Syncb/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX   XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

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 2021-08-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX IN received a EIDL grant for my small lawn service that I currently own and operate. The loan amount was funded by through XXXX XXXX, a small lender. Being that all of my earnings were sent and deposited directly into my personal account the grant was able to be deposited there as well. Almost instantly my account was placed hold " No debits '' status. Suntrust/Truist placed an holdon my account pending the verification on the account. I submitted paperwork to the lender proving that the account was opened before XXXX XXXX, XXXX. MY account was established XX/XX/XXXX. I called the fraud department as well as visited my local branch as directed by the customer service representative. The representative that I spoke with told me that I would have to visit my nearest branch. After visiting my local branch, the local branch advised me that a bank representative needed to call in to the fraud department to verify my identity. Once at the local suntrusts branch, the representative was told the sam things that I was told, That no information can be given over the phone. This has been an on-going process. On once occasion I observed a Suntrust/Trusit customer receive the same grant that I do, he wasn't questioned his demands were met with no hesistation. I am A XXXX veteran and ALL of my XXXX payments were going to my Suntrust account prior to this incident. I will no longer be banking with Suntrust/Truist.

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 2022-03-27
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: Information belongs to someone else

Complaint:
I sent experian a ftc report in febuary about a fraudulent account.. they removed the account then put it back on my credit report.. The account was XXXX # XXXX This account is fraud ... pursuant to 15 usc 1681c-2 ( c ) ( 2 ) when the blocked information is rescinded the consumer should be notified promptly, in the same manner as consumers are notified of the reinsertion of information under 611 ( a ) ( 5 ) ( B ) which i was never notified..This is against my rights...

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed 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 2022-07-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank charged me a paper statement fee and a dormant account fee without notifying me that my account was dormant. When I called they simply lied to me stating that they had sent me a letter notifying that my account was going to go into dormant status. When I asked if they can provide me a copy of this imaginary letter, they hung up on me. The person I spoke to was XXXX ( ID XXXX ). 
They charged me a dormant account fee of {$5.00} and also charged me a {$2.00} paper statement fee which they had never disclosed before. 

This is one of the worst banks that I have ever dealt with.

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 2022-07-17
Company: EQUIFAX, INC.
State: TX
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:
Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: MOHELA
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:
XXXX is reporting two accounts for student loans with a company called Mohela ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank asked me for two letters so they could release mu money according to them. One letter was written by the client who send me the wire, the other letter was written by a representative of the bank institution where the wire was generated. Both letters said that The funds are legally mine. However, Bank of America refuses to release my money.

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 2022-07-17
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission.

In accordance with the Fair Credit Reporting Act my rights were violated.

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

15 U.S.C. 1681 Section 604 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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that 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 2017-12-30
Company: U.S. BANCORP
State: IN
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:
US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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