BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was closed without notice last XX/XX/2021 ... They claim to have closed my account for identity concerns however to receive the two deposits I had on this account I had to verify both deposits and my identity before they allowed them to go through... And a third time just to activate the account ... After the second deposit a week or two after its when they closed my account with remaining balance of XXXX $ I've been trying ever since to get my money back they have requested a letter of indemnity in which I can't get because the depositor is no longer in business they even tried reaching out to depositor with no luck... So they told me the is no other option without that letter ... After calling over and over and being told so many different things that they will send me a check or go get s new card and call while I'm at merchant and they will transfer balance into new account none of which ever took place and was just a waste of time .... In order to talk to anyone it takes hours and hours of being on hold and hung up on many times .... Please help with this matter.. The company is net spend

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 2021-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
Experian, XXXX  and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance 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 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 2022-07-25
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:
I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian, XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX   XXXX Balance Owed : {$23000.00} DEPTEDXXXX   XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2019-12-26
Company: JPMORGAN CHASE & CO.
State: AL
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:
JP Morgan/Chase bank is reporting THREE charged off credit accounts on my credit report and I have NEVER applied for nor had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I HAVE GIVEN EVERYTHING TO VERIFY ME THREE TIMES ALREADY - YET TRANS UNION REFUSES TO MAIL ME A FINAL ( POST INVESTIGATION ) CREDIT REPORT. THIS IS AN ABUSE AND HARASSMENT. I NEED MY CREDIT REPORT AFTER INVESTIGATION BY MAIL - NOT BY E-MAIL.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report from XXXX on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX, TransUnion has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts because I believe these accounts are reporting in error : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6600.00} XXXXXXXX  XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2022-07-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
In approximately XXXX of 2021, I went to XXXX XXXX XXXX located in XXXX XXXX, Ohio. I ordered a Money Order for the value of {$1000.00}. Later, when the cashier tried to scan the Money Order to cash it, the system kept saying that there was an error and the scanner couldn't scan the money order. The interesting part is that the money order was purchased and then we attempted to cash it within the same 3-4 period. Therefore, it doesn't make sense that it couldn't have been refunded or cashed because there were only a couple days difference between purchase date and attempted cashing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the public record on my credit report, which is a bankruptcy. I received notice of the result of my dispute. The result was that the information was verified and the firm that was used to verify it was XXXX. I know factually the information was not verified through XXXX, as my consumer report was frozen on XX/XX/XXXX and Equifax, says they verified it on the XXXX. I reached out to XXXX and spoke to XXXX, who told me a inquiry had been received but she did not see where XXXX had divulged any information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: RIA FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Its XXXX XXXX XXXX and i send money on XXXX and i send money from USA to XXXX. Combany Address is ( Continental Exchange Solutions , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXXXXXX Website ( XXXX XXXX XXXX ) Transaction details Client Number : XXXX Contract Number : XXXX Contract Date : XXXX Total amount - XXXX USD After 19 days they i didnt receive my money and i try to contact them but they are closed on this weekend. And today when i as them they told me my money is not processes from their bank and they will refund in 5 bussiness day and they not sure about its. Its already 19 days they took money from my account and i have to pay hospital bills to my parents and also i need to pay apremium and its due date is today. For this company i lost more than XXXX  USD as a fine in XXXX. This combany dont care about it. They did bussiness with my money and they saying they will return but they not sure when. they took my money almost one month and also they still not refunded. Please take serious action and they need to pay extra that i lost because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a demand letter to Experian on XXXX/XXXX/2016 along with proof from XXXX XXXX stating that there should be no late payments reporting. I receive a response from Experian dated XXXX/XXXX/2016 report number XXXX stating that they have previously processed the dispute. This is ridiculous! My scores are being affected negatively and I am getting no accurate response from the bureau. There should be NO LATE PAYMENTS reporting on my XXXX XXXX XXXX account. Correct this error 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 explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MD
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 XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2020-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested assistance under the Cares Act and asked to extend the assistance and the servicer has denied says we were only allowed 90 day that is it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed and contacted XXXX, XXXX and Equifax. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. XXXX is reporting a {$0.00} balance ( charge off XX/XX/2022 ), Equifax is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I don't know who this company is. I never had any contact with them and have never done any business with them and I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: MD
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 XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple disputes were initiated through the Equifax online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Equifax has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX is NOT my account 5 ) Medical XXXX is NOT my account 6 ) Medical XXXX is NOT my account 7 ) Medical XXXX is NOT my account 8 ) DOB XXXX is inaccurate The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, consider this a written request for Equifax to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to XXXX. I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to XXXX See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. As these accounts have ruined my credit worthiness, life, liberty and pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX  XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$560.00}

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 explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-01-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back and going i am not sure of this some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i fool they are not doing job properly and it is effecting me great deal i used PayPal quite frequently My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation