BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXXXXXX XXXX # XXXX Closed Accounts : XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on 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

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is reporting inaccurate and unauthorized inquiries on my credit report. I have called and contacted Transunion multiple times by fax, email, US Mail, and telephone. The Transunion rep told me that the inquiries would only be there for two years which is not a long time in her 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had an Apple Mastercard through this company which I paid off and closed numerous months ago. However; on XX/XX/2022 a merchant was able to process a refund to card ending in XXXX for {$740.00} ( proof attached ). The business knows it is a closed account. The business has the refunded money. The business owes me a refund! The business needs to immediately issue me the amount in a refund check!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Address on my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I submitted a complaint earlier in regards to a transaction dispute between Paypal and XXXX ( Complaint ID XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX series and need to reactivate my account for research purposes for my employment. My XXXX account was canceled as a result of the chargeback I asked for after Paypal used a credit card that I didn't authorize when a specified card was declined. When I attempted to reactivate the XXXX account you're asked to choose a payment method. I used the Paypal linked to the email I've always used. XXXX always brought me back to the previous screen saying that there was an error. So I called XXXX and the person I spoke with said there was no block towards XXXX on their end and that Paypal isn't allowing the authorization to link my Paypal to my XXXX account. They suggested I link my card directly and I let them know I don't now, nor have I ever put any streaming subscriptions directly on my credit cards to avoid situations exactly like the one I'm dealing with. So I called Paypal and explained the situation. The agent I spoke with around XXXX XXXX  XXXX told me that they would be able to take my number, call XXXX with me on the phone and sort out the entire situation. They asked for my number and promised to call me back in no more than thirty minutes. I received no call and know that Paypal 's hotline closes at XXXX XXXX  EST. I called Paypal back at XXXX XXXX  EST. I explained my situation for a fourth time yet another Paypal agent and after repeating a bunch of information regarding the issue that wasn't relevant or that I said I already knew, I explained what the last agent said they would call me back to do and the mediation they promised to set up. I asked outright was I lied to by that agent, and the agent confirmed that I had been given incorrect information and that such a thing would never take place and it's not something they're authorized to do. This is the second time Paypal 's agents have lied to me in a way that's insulted my intelligence, wasted my time, and now are jeopardizing my job seemingly as a retaliatory punishment for making them do their jobs not allowing them unilateral authority to charge whichever of my payment sources to whichever merchant they please. Poor customer service is one thing. Outright lying is malicious and unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
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:
I have actively said, showed proof of fraud and identity theft by XXXX XXXX of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years. 

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. Its almost XX/XX/XXXX. Thats about 3 Months my credit score dropped over XXXX points because of this. 

Original CFPB Complaint # XXXX Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I exercised my right to extend credit with Capital One Bank. Capital One Bank discriminated against my rights and provided me with an adverse action letter on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: LEXISNEXIS
State: NE
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:
Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and XXXX have me in collection due to an account from XXXX with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. Lexis Nexus has also publicly reported the theft all over my Lexis Nexus reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address on Experian XXXX and XXXX are wrong the also my employment info I never payed attention until now but my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX my employment is XXXX XXXX XXXX XXXX XXXX mo 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 2023-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to express my dissatisfaction with the service I received during my stay at the XXXX XXXX XXXX., I made a reservation for XXXX, XXXX and XXXX Unfortunately, I had to cancel my reservation, but I was charged for the room anyway. Furthermore, I noticed that my signature was on receipts that were not mine, and I was not satisfied with the service I received during my stay. I have documentation that stats cancel and the bank refuse to honor that stating that no error was made .I have send in over the amount documents need to fix this problem. One manager saw the error and corrected it and the next day the claim was reverse. I had permeant credit on some the came back and reverse all those and debit my account. I told them I have been a victim of identity theft they spoke to me so rude The did not honor no claim when I had all the supporting documents there. The talk down to me and belittle, me the reverse everything even the one that had permeant credit I have been asking them to speak with someone to go over the claims one by one they say that they can not help me. I am very dissatisfied with the service I received from the XXXX bank. On how the handle me with my fraudulent transaction on my debit card and requested a refund. However, my claim was denied, and I was informed that the transaction was authorized. I strongly disagree with this decision and believe that I am entitled to a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: NE
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:
Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that Equifax and XXXX have me in collection due to an account from XXXX  with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from XXXX XXXX after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Chase card company keep call me and harassment me well I'm at work..They never told me I can opt out. Please to this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-11
Company: BAM Management US Holdings Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
l contacted the XXXX  and they said maybe you can help. l have a frozen account in XXXX, that l started in XXXX l went to them because XXXX didn't handle the number of crypto coins that they do now. It must be getting on XXXX years now that they demanded proof of my identity. They had a narrow criteria and would only deal with a street billing address. l had a post office box and all bills ( including electronically, l was identified by name and post office box ) came to the P.O. address and they refused to accept it. When l tried in XX/XX/2023 to reconnect, and get my funds released back to XXXX, l wasn't allowed to because l was in part of the country that had to deal with XXXX  They said they couldn't help me and l had to contact the XXXX folks. Could you please help me in getting these funds back to XXXX from which l funded the account. Any supporting docs from the transfer of funds from XXXX to XXXX, are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NC
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:
THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and Experian multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to Experian and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My disappointment is immeasurable and my day is ruined! Not only did the Credit Bureaus did not comply with the requests of deleting the disputed fraudulent accounts and yet they have also failed to provide documents validating their claims. Let me remind the Credit Reporting Agencies that under the Fair Credit reporting Act section 605b, the Credit Bureaus are required by law to remove any and all fraudulent accounts and information from my Credit file, so please do so. I am submitting this CFPB Complaint in accordance with the Fair Credit reporting Act and demand the immediate deletion of the following fraudulent accounts completely from my Credit File : XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00}. As I have previously demanded, the Credit Bureaus should provide me with documents supporting their claims, and yet they have failed to do so. Their inability to follow such simple conditions shows how negligent the Credit Bureaus are. The disputed accounts should have been removed completely 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