BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a brother that keeps getting phone numbers after they no longer exist from almost 10yr ago and using them to make fake account and hackingdata! XXXX XXXX XXXX need some one to investigate because that's a federal offense I thought also using people that has passed away numbers I reported Identity theft and put alerts on most of my account! How can I stop him also I want a 20 year search on my social security # cause they been doing this for a long time my own family member!

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 2023-02-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX Balance : {$700.00}

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 2023-04-21
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:
Although I appreciate your efforts to update and correct some of the information on my credit report, there are still some problems. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3 credit bureaus are required to verify these items. I'm hopeful that these contentious issues will be resolved as quickly as feasible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Although I appreciate your efforts to update and correct some of the information on my credit report, there are still some problems. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3 credit bureaus are required to verify these items. I'm hopeful that these contentious issues will be resolved as quickly as feasible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the fraudulent account with Bank of America I am a victim of identity theft and I never opened this fraudulent account with BANK OF AMERICA Credit Card with account number XXXX opened on XX/XX/2019 and a balance of {$3600.00}

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 2023-08-02
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23, I made a payment to my XXXX XXXX credit card. Unfortunately, the payment did not reflect as processed in the system, prompting me to make another payment on XX/XX/23 to ensure timely settlement. However, I encountered the same issue where the second payment was not shown as processed either. Concerned about the situation, I contacted customer service representative, XXXX XXXX, who acknowledged that there are two pending payments on her end but won't show on my end due to a system issue. 

Despite my request to cancel the second pending payment, XXXX XXXX explained that the payment is currently undergoing a transition, which prevents her from stopping the duplicate payment. This situation has caused a double charge on my credit card, potentially leading to overdraft fees if my account funds are insufficient. 

Given these circumstances, I find XXXX 's handling of this matter to be irresponsible, as it has resulted in inconvenience and financial impacts for me. I urge the bank to resolve this issue promptly to rectify the double charge and ensure accurate processing of my payments in the future. 

Please see the attached chat transcript for reference.

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 2023-02-21
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the disputed items will be corrected as soon as possible : 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX 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

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 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
I have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.

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 2023-07-10
Company: W&A Intermediate Co., LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I responded to a text message from Wakefield & Associates ( I don't recall providing permission to them ) via the number listed in the text message on XX/XX/2023. I was informed that I had a debt of approximately {$1300.00}. They mailed the debt validation letter or bill to the wrong address and have the incorrect address on file. I refused to provide them with my address, and I still have not provided them with my address. I requested that the debt validation letter be emailed to me, but I was instructed to send an email to request it. I emailed both email addresses ( XXXX and XXXX ) on XX/XX/2023. I requested an itemized statement, debt validation letter, and a discount/settlement letter. They recently reported that they did not have the email and instructed me to send the email again. They told me earlier in this process that the debt would be reported on my credit report on XX/XX/2023. I would like to have an itemized statement, debt validation letter, and a discount/settlement letter before I make any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 bought a new ( used ) truck in XXXX of XXXX and had an accident that resulted in the vehicle being totaled out by the insurance company. Capital One was the finance company. In XXXX of XXXX I got a bill stating the payoff balance was {$200.00} and the payoff was good through XXXX. I paid the {$200.00} on XX/XX/XXXX before the payoff expiration date, and it cleared my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I received a " PAID IN FULL '' notice from Capital One on XX/XX/XXXX. Then, on XX/XX/XXXX, I got a new bill from Capital One with a new payoff balance and payoff date. Capital One can not keep adding a balance to my account. XXXX paid them off and now they have reported to the credit agencies I never paid my bill which is incorrect and I want this resolved. I disputed this with XXXX, XXXX and XXXX and XXXX far XXXX, despite the supporting factual documents I have submitted, has not changed any of this info on my credit report. I need help fixing this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to you to express my deep dissatisfaction with the permanent limitation placed on my PayPal account . I strongly believe that this limitation has been placed in error, and I would like to appeal this decision. 

Firstly, I would like to assert that I have not violated any PayPal policies. I have always conducted myself in a lawful and ethical manner when using your platform. I take great care to ensure that all of my transactions are legitimate and comply with all relevant laws and regulations. 

I understand that PayPal has strict policies in place to prevent fraudulent activity, but I assure you that I have not engaged in any such behavior. I have always used my PayPal account in good faith and have never intentionally violated any of your policies. 

Therefore, I would like to request that PayPal re-investigate my case and restore my account if possible. I believe that a mistake has been made, and I am hopeful that a thorough review of my account will prove my innocence. 

I would like to take this opportunity to provide my email address, which is XXXX. I kindly request that you contact me at this address to provide me with any updates on the status of my appeal. 

I thank you for your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Despite several written requests, the following accounts continue to report on my credit report without my consent and in violation of federal law. These accounts shall be verified as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't check these accounts, I'll file a lawsuit against you. Please uphold the law so that this matter can be resolved as promptly as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i was a [ plying for hsbc credit card acount and did not have all my information and came back with all my information to apply hsbc co refused to allow me to finish my application and still refuses to let me finish my application with all my information i obtain.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on 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 2017-05-29
Company: EQUIFAX, INC.
State: IL
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 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: MO
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:
When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing any supporting documents. 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
US Bank been giving me the run around about my account and they say my account is close still I have not received my money that's still in my account, Also talk with different people workers within XXXX XXXX say its closing and others saying it close if they going to keep it open than i should be allowed to use my account if you going to close it than send my money in my account.

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 2023-04-21
Company: EQUIFAX, 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX , XXXX XXXX , XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: FinCo Services Inc DBA Current
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've not had access to my current bank account in months and someone has been robbing my account blind. Not only has it been my current bank account but also XXXX  XXXX XXXX, XXXX. They have also been creating several XXXX XXXX  ( which I've never used. ), XXXX XXXX XXXX XXXX  Applied for credit cards. This girl name XXXX XXXX. It started when I moved from XXXX Arkansas and she had already stolen my phone my wallet then started changing all of my banking account information and stealing my funds. She also sent text messages stating that she had done it and bragging about how she was going to get away with it. The current bank account she got XXXX from it. I'm not sure on the times and dates because when I was finally able to get into the account current had already closed the account down because of potential fraud. I've tried to file several disputes with them and have gotten no where. How could I have done the charges I was reporting specially without the card or even a phone to do so. With the XXXX  XXXX XXXX account she's gotten XXXX from it. The XXXX is up in the thousands as well And none of the banks listed above so far the only bank account which is a prepaid XXXX  XXXX XXXX account that has been any kind if understanding people. Current and XXXX have been extremely rude and ridiculous and uncalled for. I just want my money back that the girl has stolen and is continuing to do so. Today is my last day with phone service. I was evicted from our home and I'm a single mother of XXXX with no help at all whatsoever. With that being said all of the above claims to be secure but XXXX forsure isn't. If they were how do I in my XXXX inbox on the app not via email but on my message center in the app have a message for a XXXX XXXX his dispute case number and his outcome which is just flat out wrong. How many times did they send my information out to other people? Current just flat out doesn't give a XXXX. I've tried to file a police report on all of the above but without my id I've not been able to do so. I am willing to cooperate to full extent and do everything I can to help. I just want my life before this girl back because she still is continuing steal my everything but most importantly my childrens everything and I'm not her only victim either.

Company response to consumer: Closed with explanation