BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-24
Company: EQUIFAX, INC.
State: NY
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:
Equifax continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. Equifax 's willful noncompliance is causing unnecessary anguish and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Never late on any payments. 
XXXX XXXX Never late on any payments. 
XXXX XXXX XXXX XXXX Delete of account for inaccurate and outdated information. 

Please provide a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: MD
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:
I disputed something with the credit reporting agency, after 30

days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ). I want this
deleted.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$4500.00}, XXXX XXXX XXXX Balance : {$4300.00}.

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 2022-11-26
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made an online purchase from XXXX XXXX  on XXXX and M & T put a hold on my card. After 2 hrs of being put on hold with the fraud dept they hung up on me. I called back again and after 2 hrs of being on hold again they hung up on me. I called 3x on my cell phone to speak to an operator and a supervisor and they got me nowhere. I started my phone call at XXXX XXXX and here it is XXXX XXXX with still no assistance from my bank who is holding my own XXXX money! 4 and a half hours later and still no help! Holding my money XXXX for a purchase I truly need for my home!

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 2023-10-21
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a New Jersey based bank, I opened this account in XXXX and closed in XXXX, relocated and invested in further development... 

Too busy ... .at the time... my interest rates accrued were not enough ... or not deposited at all They have all this info.archived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I have asked for validation of this debt and did not receive the original contract and statements I requested. I also requested a 1099 for the charged-off amount which I did not receive. Toyota Motor Credit is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent them a letter certified mail that this account was being reported inaccurately and they failed to provide me with the original contracts I requested. I have attached a screenshot showing that they are reporting inaccurate information across all 3 credit reporting agencies. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the Apple Card and my complaint is about the deceiving way their Daily Cash rewards system works. On XX/XX/XXXX I purchased an item for {$260.00} from a physical XXXX XXXX and returned the same item on XX/XX/XXXX and received a full refund. Since I had already paid the amount using my checking account, I requested that Apple refunds my checking account. They deducted {$7.00} from that amount, and provided no explanation other than it was a Daily Cash adjustment. My account, as viewed through the XXXX app on my XXXX, showed a XXXX balance before this purchase. I contacted customer service through chat twice and spoke to a supervisor on the second chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

9. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was the victim of a phone scam which resulted in two fraudulent wire transfers being made from my Chase checking account. I realized the scam had been perpetrated within hours and contacted Chase and formally requested a XXXX recall be initiated on the fraudulent transfers but was told that the only way to contact the wire transfer team was by secure email. I completed this step however it was over twenty four hours before I received any reply. In this time frame in spite of multiple calls to Chase fraud the money was transferred several more times. There is apparently NO WAY to initiated a critical and time sensitive XXXX  recall through Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold a home on XX/XX/2022. 

Rushmore Loan Management Services has yet to return the escrow refund. 

I called in XXXX and was advised it takes 20 days t process an escrow refund check. 

It has now been 61 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-12-01
Company: Experian Information Solutions Inc.
State: AL
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 complaint is to let you know that I've been reviewing my credit report recently and noticed all these inaccurate information in my account, this is fraud and I want these inaccuracies removed from my credit report imminently. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm submitting this complaint by myself and there's no third party involved! Immediate response and action is a must.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 
Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

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 2022-06-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, Experian, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all XXXX of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action 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 2022-11-28
Company: Paypal Holdings, Inc
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: Problem with personal statement of dispute

Complaint:
Hello To whom it may concern. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are

nonexistent. 
2- PayPal failed t
o provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money. 
4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers. 
5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached XXXX! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. 

Looking forward to transfer my money back. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation