BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my phone was stolen out of my hands when in public. The person was able to get into my Paypal account and sent payments from several bank accounts to a number of individuals. After notifying my banks they were able to reverse the payments. After notifying Paypal, however, they stated that it was my fault that this occurred and threatened to send the {$1000.00} negative balance to collections. To prevent this from happening, I sent {$1000.00} to Paypal to cover the fraudulent balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted about a debt with XXXX XXXX XXXX regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: FL
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 have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The funds will not be available but the bank is releasing funds and charging me over draft fees

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 2023-03-05
Company: EQUIFAX, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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 have asked the credit bureau to do a verification of everything on my credit report and they did and stated that everything was accurate so I did a thorough research myself and found improper inaccuracies on my report after the research. 


XXXX Account XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
mistakenly sent rent payments to the wrong person over the course of several months, person did not respond to requests for repayment and Venmo refused to reverse the payments. currently out {$5600.00} as a result of this. 

All of this happened in 2021 and has resulted in significant further financial damages for myself and my family, including payday loans and moving costs associated with eviction. Venmo has ruined multiple lives in their refusal to fix this. 


I have not had a moment of peace in my life since this went down, and if my life continues on this trajectory I will wind up homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative from XXXX XXXX XXXX repeatedly called me even after I requested not to be called, was very rude and used profanity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened my checking account with chase bank in XXXX on XXXX XXXX and they abruptly closed my account without any explanation thus, keeping my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i repeat XXXX remove it on my credit report transunion and XXXX never want to remove on my credit repot i send them proof there never remove 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 non-monetary relief
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: IL
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:
Reached out to the company over 45 day regarding unauthorized inquiries. Still no up date on my report. Every inquiry on my report is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Reached out to the company over 45 day regarding unauthorized inquiries. Still no up date on my report. Every inquiry on my report is unauthorized.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: CA
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:
Payment history incorrect. Account open, updated, and closed dates are also incorrect. Balance history also incorrect. Ive contacted Experian, and XXXX XXXX XXXX XXXX XXXX with the same response stating information is valid but was unable to provide me with proof. 

after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
METRO 2 COMPLIANCE DISPUTE XXXX Data Furnisher XXXX XXXX XXXX XXXX XXXX Date Opened : MISSING XXXX XXXX  Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET METRO 2 compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! 
To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ).

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 2023-04-23
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX - Acct # XXXX Late Payment XX/XX/2020 I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The FCRA allows 30 days for this to be rectified.

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 2023-04-23
Company: Experian Information Solutions 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:
I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all 3 bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.

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 2023-04-23
Company: EQUIFAX, INC.
State: GA
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 applied for a mortgage with my XXXX XXXX XXXX XXXX on XX/XX/23. Afterwards I was getting blown up with emails, texts, phone calls, paper mail. It's been over 2 months and it is still going on. During underwriting, I was provided a copy of my 3 bureau credit report and asked to explain the inquiries. There are approximately 15 fraudulent inquiries on my XXXX, Equifax and XXXX reports. Obviously my information was obtained and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
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:
I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all XXXX bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.

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 2023-04-23
Company: EQUIFAX, INC.
State: SC
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:
My XXXX  XXXX  went to collection. I paid in full. XXXX continues to report as charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Experian credit file is fill with incorrect name spelling, addres, social security numbers and phone numbers that does im not associate with. I send letter to the credit bureau and get no response.

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