BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-14
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
my credit score decrease without any specific reason in XXXX XX/XX/2015 and I paid off in full a personal loan XXXX XXXX bank and I didnt received XXXX credit from all credit bureas. I contacted Experian credit report and I was told by a representative some times my credit score will decrease without any reasons.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX. 
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX. 
Experian refuses to correct this information.

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 2017-01-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I like to inform you that the judgement that is on my credit report should be removed it has expired. The court system is with drew the entire judgement out of their system. Therefore this can not be collected. In this case this judgement should be removed within the next 30 days.

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 2015-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received outstanding bills that have been paid in full. The bills and proof of the payment has also been attached. The bills have not been removed by the credit bureaus and have negatively affected my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC 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 2016-12-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian was reporting incorrect addresses for me. I disputed the incorrect information and they deleted my current and CORRECT address they are reporting me as having an address of XXXX, PA XXXX THIS IS INCORRECT - THIS IS A BUSINESS ADDRESS MY CURRENT ADDRESS AND HAS BEEN IS XXXX, PA XXXX I WOULD LIKE MY ADDRESS CORRECTED

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 2016-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting inquires on my credit file that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal opened a credit account for me without my knowledge or consent. I only knew because I got a notice from my credit monitoring service that my account had been accessed by PayPal. When I called PayPal, I was told I had opened the account by clicking on the credit button, checking off the Terms of Service box, and keying in my birthdate and last XXXX of my social security number ... none of which I 'd done. When I escalated to a supervisor, I was told " you obviously made a mistake ... perhaps you have autofill on your computer. '' It was only after the conversation that I searched the web and discovered PayPal had been charged a $ XXXX penalty and forced to pay $ XXXX in fines in XXXX for this behavior. The fraud is still going on. I am 1000 % certain I did not sign up for their credit account, which I requested they immediately close. Still, my FICO credit score has been dinged because of my inquiry to open new credit, which was done without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian had removed XXXX, XXXX, XXXX, XXXX XXXX, XXXX off my credit report and they have recently added it back to my credit report I have never authorized this or gave my consent to have these account added back to credit report. I want Experian to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX in accordance with basel XXXX accord and XXXX. I would also need a copy of your Tax Registration certificate! 

Once a item is removed it can not be added back please follow the rules fdcpa. I want these accounts removed as they had been once before. I had sent in my police report of identity theft. I want this taken care of 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 non-monetary relief
Consumer complaint received 2015-10-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015 my Paypal account was hacked and fraudulent charges totaling {$550.00} were processed and pulled from my bank account. I immediately called PayPal and followed their procedure to reset my password. I was told by the agent that the funds would be returned within 4 days. However just 4 days ( today ) later my account was hacked again and this time {$660.00} dollars was transferred to a fraudulent email address. 

I immediately called PayPal again but this time I was told I needed to reset my password again but this time via my phone. I was instructed to open the email sent by PayPal and to click on the link to change my password. This did n't work as the link in the email failed to open to the correct page on PayPal 's website. Then she asked me to do the same with my tablet, again the link did not work correctly as it only took me ot the PayPal home page and not the page I needed to reset my account. 

Then I asked how to secure the account and she said it needed to be " restricted '' but when in restricted mode, I would be unable to transfer any returned funds back to bank account. In addition, she told me it would take 5-7 business days to get my refund even though the first agent told me it would take 4 days. 

I then asked to speak to a supervisor and was told that none were available nor would any be available any time soon. I gave up and hung and called back and again, got a different agent and again asked for a supervisor. This time, a supervisor came on the line right away. 

But now the supervisor claimed the transactions originated from my PC, which of course they did not. The transactions on XX/XX/XXXX occurred in the middle of the night when I, my wife and little boys were sleeping. The transaction today occurred when my wife was at the vets office with our XXXX sons and I was 60 minutes away at work. 

Next he told me to just wait 10 days ( up from the original 4 ). Otherwise he would simply just " settle the case now and rule against me ''. So I asked " So you 're telling em to shut up and wait or you 'll rule against me? '' and he responded with " I suggest you wait the 10 days if you want to get your money back. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had several accounts with Paypal, personal and for my business. I had been being paid by clients who gave me their Paypal Cash account number so that those funds could be deposited to my account, and thus to my bank. Paypal had limited my account stating this was prohibited. I was doing nothing illegal and I report on my taxes as I would any revenue received from a client. I wrote Paypal and they stated my account would be limited. I spoke to a rep from Paypal who after review, released all the funds but stated the account would be limited for 6 months. It has been 10 months now and I can not use ANY Paypal accounts. I can not use Ebay as a result of this and I see that a recent class action was settled regarding limitations, however I do not know the exact details. 
I wrote Paypal asking the status and received a response that the account is permanently restricted. I do not understand this after being informed I needed to wait 6 months. They had asked for copies of my ID, a utility bill etc. and I complied with everything. Now they end their letter stating I should use some other service, in effect telling me to go away. ( copy attached ). The XXXX accounts at Paypal I am referring to are emails : XXXXXXXXXXXX and XXXXXXXXXXXX They imply I am guilty of some " scheme '' and after speaking with them, supplying them with ALL the info they asked for, etc. and their refusal to engage in a honest and forthright way, certainly speaks to their unfair business practices and potentially to violations of the law. 
What can be done about this unfair treatment. I have clients who rely on Paypal to remit to me. It is impairing my ability to conduct legal commerce. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
THEY WENT IN MY BANK ACCOUNT WITHOUT MY AUTHORIZATION. I had a credit line with paypal. Before the account went to collections they tryed to do a ach payment that i did not authorize, meaning they went in to my account without my permission. The bank rejected the request that pay pal attempted. The reason I know they had my account # is because paypal 's representative told me the last XXXX. An she also told me that a representative probably tried to run it after i told one of them not to. I only put my card number on there site. I never linked my bank account number.That is dangerous. so I just gave them my card number. Some how they got my account number.Not only did they do that they told me the amount was due on the thirteenth but attempted the ach on XX/XX/XXXX .To my knowledge that is illegal. The way this whole thing is going is predatory lending. I have received many calls some of the calls back to back on one of those calls a representative was yelling and screaming at me after i told her that I set a payment for two weeks later .I will never ever work with pay-pal ever because if i had money in that account they would of taken it without consent.They already have a class action lawsuit against them as we speak. So at best they are Shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
**FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a student loan account with XXXX from XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT NOT REPORTING CORRECTLY. I HAVE DISPUTED THIS WITH EXPERIAN AND RECENTLY THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT. THIS ACCOUNT IS NOT DUE TO COME OFF TILL XXXX OF XXXX, IT A POSITIVE ACCOUNT ON MY CREDIT REPORT. WHEN I DISPUTED THSI I WANT THE ACCOUNT TO BE UPDATED NOT DELETE. I CONTACT THE CREDITOR GRANITE STATEMENT MANAGEMENT AND THEY SENT ME A PAYMENT HISTORY OUT THAT SHOWS MY HISTORY ON THE ACCOUNT FROM XXXX XXXX XXXX TILL XXXX OF XXXX. ON MY EXPERIAN CREDIT REPORT IT SHOWS FIRST REPORTED THE CORRECT DATE AS XXXX XXXX XXXX. BUT ON MY EXPERIAN CREDIT REPORTS MUCH LATER IT SHOWS A DATE THAT IT WAS FIRST REPORTED AS BEING IN ACCURATE. SO I DISPUTED THAT AND WITHIN A COUPLE OF DAYS IT WAS DELETE OFF OF MY CREDIT FILE. XXXX SENT UPDATES TO ALL XXXX CREDIT BUREAU TO GET IT UPDATED AND I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE SINCE IT REPORTING POSITIVE ON MY CREDIT REPORT. I HAVE ENCLOSED MY CREDIT REPORTS TO SHOW PROOF AND A STATEMNET HISTORY FROM 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 2016-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX I obtained my free credit reports from annualcreditreport.com Experian 's report showed on my browser and then became unavailable when I clicked to view the whole report. I called Experian and they can not give me a reason as to why the report can not be given to me. 
Furthermore, I ordered Experian 's credit score product. After submitting my social security number and credit card, the website said there was an error and I would not be charged. I see a charge on my card today immediately afterwards. 
This is now XXXX product from Experian that are faulty in the same day

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 2015-11-13
Company: Nationwide Recovery Systems, Ltd
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This started XXXX for {$900.00} and is the leftover portion of an emergency medical bill with XXXX XXXX XXXX, XXXX, OK. I immediately started paying $ XXXX/month and increased it to {$54.00} recently to comply with minimum payment requirements. I have NEVER missed a monthly payment and the debt is down to {$480.00} now. No reason for it to ever be turned over to Nationwide Recovery but it was anyway. After I had made payment arrangements they called again to say that I needed to make FUTURE payment arrangements ( auto debit etc. ) or they would continue to call me. Since when is future payments promises a part of it that was not mentioned in the payment arrangements at all. Again, I have paid every month, not one has been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
It has been more than 60 days since I wrote to experian and I have not received any status of my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I first launched a dispute with Experian back on XXXX XXXX, 2015 when I discovered XXXX accounts on my credit that were not manufactured by me. Unfortunately something that I thought would take about 45 days to clear up has gone on for almost 9 months. I really feel like I am being ignored. I was advised to contact you first before I file a federal law suit. 
I am disclaiming the following XXXX entries on my credit and request that they are removed. 
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 2016-08-04
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I needed to thaw mine and my husband 's credit so our bank could review our credit to redo a line of credit with them. Apparently, because I thawed our credit we were signed up for a credit monitoring service for a trial of {$4.00}. If we did not cancel it we would be charged {$19.00} a month. I do not need credit monitoring, I keep my credit frozen. 
I called to ask how I was initially signed up and they were unable to answer me. I was also being billed twice every month. So {$4.00} times XXXX and {$19.00} times XXXX since XXXX. 
I called and asked for a refund. They said they will cancel my membership and refund for one month only. I called my credit card company and they can dispute XXXX. They can not dispute XXXX. They were told to have me call and ask for a refund. I did, and they would not.

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 2016-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went onto XXXX and tried to get my Experian report. Kept failing to load. even Experian is n't coming up.

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, 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