BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Theres a Discovery card that is in my name and that my parent had opened and I never knew about it but when i went to check my credit again it said the discovery account had just closed on XXXX the XXXX 2022 and about a couple of days ago when i checked my credit again it said it closed on XXXX 2022. Which means my parent constantly is opening and closing the account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Paypal Holdings, Inc
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX a request was made for funds to transferred to a recipient via PayPal. That was accepted and the two minutes later canceled by the recipient. The funds were still drawn from the XXXX XXXX account on XXXX XXXX. I the sender contacted PayPal on XXXX XXXX to also cancel the transaction. A service representative informed me that since the recipient was the XXXX to cancel the transaction, the funds would still be drawn and would reject automatically from her PayPal account and would be refunded back into my PayPal account in XXXX to XXXX business days. After the XXXX business day I called PayPal because the funds were not in my account, and I was told that PayPal never received the funds from XXXX XXXX. I then called XXXX XXXX and opened a claims case to determine what happened. XXXX XXXX said they would investigate and I would be contacted in XXXX5 business days. I was never contacted and when I called XXXX XXXX and was told that my case was closed and they would not be refunding my money. I was given the trace number and was told to go back to PayPal with it. I did so, I faxed PayPal a copy of my bank statement showing {$1000.00} was drawn, and provided the trace number showing completion of transaction. I was then emailed by PayPal that they did not have the funds and I would have to contact XXXX XXXX to have them trace the funds. I have gone back and forth without a resolution since then. I have XXXX XXXX information but PayPal would not give me proof that the funds were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$450.00} written off. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$12000.00} XXXX Account charged off. {$19000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$23000.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident XXXX Single XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I tried disputing the hard inquiry from XXXX from XX/XX/2020 since they have two credit checks/inquiries and got no where. Can someone remove one of these? As you can tell, its a duplicate. Also, there are 7 inquiries on the same date XX/XX/2020. I bought a car from XXXX and I got approved for my car that I currently drive. I authorized XXXX to run my credit but I am not sure why there are 6 more inquiries that day. Can someone please either take those off or explain, why there are 6 more inquiries that should not be there. XXXX XXXX, was the bank that approved me for my auto loan. Please email me at XXXX or call me XXXX. Also, I was not able to update my address. I am no longer In 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 2022-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
WF CRD SVC pulled so many hard enquiries of 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 explanation
Consumer complaint received 2022-05-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account resolution services has had duplicate accounts on my credit report since XXXX for medical bills that XXXX should have paid for. The duplicate amounts are : {$1000.00}, {$1000.00}, {$760.00}, and {$760.00} again. Ive disputed these and they still havent been removed. XXXX of the accounts have the same account number and just one has a different account number. XXXX accounts were opened on XX/XX/2020 and XXXX account was opened on XX/XX/2020 for the exact same amount. I asked how could I have for bills in collections with the same amounts and havent gotten an answer yet. I had one single procedure done at a hospital and Im getting billed XXXX  times and its on my credit report. How is this even legal? I would like someone to please look into this for me or please explain why these duplicate bills are on my credit report. I told them this had to be some kind of medical fraud for those dates and amounts to all be IDENTICAL and obviously they do not care about ruining someones 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 2022-05-27
Company: EQUIFAX, INC.
State: LA
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:
15 U.S.C 1681Section 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2020 I sent a certified letter to transunion stating that these inquiries that are on my credit report are fraudulent inwhich i did not authorize them. 
XX/XX/2020 Transunion completed in investigation and stated that these inquiries were accurate even though there is a fraudulent activity alert on my profile

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 2016-03-04
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:
Case number : XXXX On XXXX/XXXX/16, My request was to have the " account in dispute '' remarks deleted. I was told by Experian that the creditor refused to remove the comments on XXXX/XXXX/16. And since " the creditor pays them and the consumer does n't '' the comments will remain. 
On XXXX/XXXX/16 I requested to receive a copy of the information submitted to XXXX. 
Experian is unable to provide me docuementation stating the specific details of my dispute request. Their system shows the request, but they are unable to provide me a copy of the request they sent to the creditor. I also asked for a copy of their policy that states dispute remarks can only be removed by the creditor ; they will not furnish that documentation either. 
How can I determine as to whether my dispute was submitted appropriately? Fannie Mae requires that such remarks be removed from the credit report. I am supposed to close XXXX/XXXX/16. 
I added a statement to my report to reflect that I am not disputing the acct, the creditor refused to remove the comments and Experian will not remove the comments without the creditor permission. 
How CONVENIENT and UNFORTANATE it is that MY statement can not be seen by the mortgage lender, but I can see it on my report online from the Experian website! 
This is a miscarriage of justice and Experian 's DELIBERATE WILLFUL VIOLATION of my consumer right protected by the FCRA to have or not to have my OWN consumer statement on my credit report! 
See attached letter to Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2020-12-28
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made 2 transfers into my BBVA both scheduled for XX/XX/20 one for XXXX $ and another for XXXX $ and the Bank never gave it to me and did not disburse the funds as requested and never gave them to me. I also was given 2 refunds that were never given to me also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has a habit of reporting incorrect addresses on my credit file currently they are reporting me to have the following address and they ALL ARE NOT MINE - I HAVE NEVER LIVED AT ANY OF THESE ADDRESSES XXXX XXXX PA XXXX ( this was deleted before and now reinserted ) XXXX XXXX PA XXXX XXXX XXXX PA XXXX ( this is never my address this is a business ) XXXX XXXX PA XXXX XXXX PHILA PA XXXX NONE OF THESE ADDRESSES BELONG TO 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 non-monetary relief
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items 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 2021-03-11
Company: KEYCORP
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Here in ct, unemployment debit card was frozen by key bank, two attempts were made too order a replacement card too access funds deposited by unemployment too account and neither attempt has had card sent in mail.there is money in the account I can't access without the Debit card replacement this issue started apx XX/XX/2020, each month since today 's email two request were made by phone too keybank with no card being recived by mail. As of XXXX XXXX now. The last card issued was debit card XXXX which is still frozen by key bank and I have in my possession waiting on a new card replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: FL
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 accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free annual credit report online from both XXXX and Experian. It has been more than 12 months since I requested a report from either of these companies. Neither company would provide this info to me online ; both require me to submit by mail or phone and wait at least 2 weeks for them to process and send to me through the XXXX. This is an unacceptable delay and makes me nervous that something may be wrong as I have been able to obtain my credit reports online for the past XXXX years. They provided no explanation for this " change '' on their part. In addition, I no longer keep paper versions of these reports but they will not provide to me electronically. There is no way to contact a human being to investigate this problem so it can be resolved so I can access my info electronically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: TekCollect 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: Information belongs to someone else

Complaint:
This debt is not mine this company will not delete this debt off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I would like to check my credit report but I am unable to do so because none of the questions nor answers pertain to my history. I suspect they 're must be an issue due to identify theft. I need more information as to what my next step should be in order to get my report and if they 're is fraud I can get this straightened out sooner than later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my Experian app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.

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 2015-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Experian regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Experian and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for 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