BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}

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 2023-01-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my husband deposit a cash at the ATM citizen bank on XX/XX/XXXX at XXXX after the bank was closed. We put amount of XXXX $ cash at first but the ATM machine pull out money of XXXX $ back to us. We thought because we put too much money at XXXX transaction. The ATM machine take so long to run through our XXXX $ deposit but then decided to give us the card back with no receipt. There are a camera at the ATM so we dont worried much. We check our bank and the transaction was not went through. We called the bank immediately and they said it would take XXXX days for them to process with our claim. After day went by we called to check up with them again on XX/XX/XXXX and they said that the claim went through and will be post at our account the next day. The next day came and we saw that the money was there and everything is settled. 

Until today XX/XX/XXXX we received a paper from the bank said that they investigated and there is no error occur at the ATM so the amount of XXXX $ will be reversed back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
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: Their investigation did not fix an error on your report

Complaint:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2021-01-16
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, I spoke with someone from ShellPoint Mortgage and informed them that I was still impacted Covid -19 but I was working on borrowing money to make a offer to settle the account that I have had for 13 years and already paid {$150000.00} on.this loan and I still owe what I originated. 

A young lady was suppose to had called me back on Thursday to find some options if I was able to borrow loan to pay a reduce payment. 

Instead she never called and said their was no more help under the Covid 19 concerns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 a. 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 a account without my written instructions. 15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose View full complaint

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Experian and XXXX are still violating my rights as a consumer, and I have reached out to try to fix this issues, without success. I am a victim of identity theft, and as a result XXXX XXXX XXXX account number : XXXX was deleted, but as of last month, the account was reinserted, and I filed a dispute immediately, on the XXXX of XXXX, and today is the XXXX of XXXX, and I have not yet received anything back from XXXX, or experian. My cfpb confirmation numbers to check the status of my disputes submitted on XX/XX/XXXX are : XXXX, and XXXX. 

According to 15 U.S. Code 1681i they have 30 days to investigate. 

The manner in which my credit file is currently being reported is not in compliance with the metro 2 laws. 

15 U.S. Code 1681c2 states all information related to identity theft must be blocked, and experian and XXXX claim XXXX XXXX XXXX informed them that the account belongs to me, but I have numerous times requested proof of verification or validation, and I have not obtained any proofs yet. 

The only name and address I am associated with is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. Anything on file other than this information above is to be updated immediately. 

Experian and XXXX are violating the following laws the way that they are currently reporting my credit, 15 U.S. Code 1681b 15 U.S. Code 1681a ( 1 ) 15 U.S. Code 1681c2 They are stopping from reaching certain financial goals, and I want my credit file properly updated, and any non permissible accounts or inquiries deleted due to identity theft. I have provided my proof of identity theft, and am uploading additional documents with this dispute.

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 2022-06-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XX/XX/2022, I made a purchase for a sweater for {$68.00} plus a fee of {$3.00} ( total {$72.00} ) through a website that I later discovered was a fraudulent website. Within minutes I notified Paypal and tried to cancel the transaction, but the funds transferred immediately. I filed a claim with Paypal but they stated there is nothing they could do because the funds were transferred as personal funds transfer and not a goods or services purchase. My complaint is Paypal is allowing one of their customers to prey upon other Palpal customers to commit fraud. In just a few hours of research, we were able to determine this individual has multiple websites that all look identical but use different names. All of the posted " contact '' information is fake, mulitple attempts to contact the points of contact on any of the websites are returned as " email invalid ''. The contact information for this seller through PayPal is also fake and returns the same " email invalid '' results. Paypal accepts no responsibility for the fraud and theft that is being conducted through their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
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: Investigation took more than 30 days

Complaint:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company Equifax have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to Equifax numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all These are the inquires 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I traded my truck to a dealership that was to pay it off as part of the deal. Almost 3 months later I get a message from Truist collections saying I owed one last payment. I contacted the dealership & they provided a paid in full letter and advised the vehicle had already been sold. I naturally requested Truist collections department to validate the debt so I could pay it. They refused to validate the debt according to law, they did although holler, threaten and attempt to bully me in submission repeatedly & then placed derogatory marks on my credit report when I stood my ground requesting validation of the debt. This derogatory action caused one of my credit cards to be reduce XX/XX/XXXX dollars, I was denied new credit and my score dropped almost 60 points. This was escalated to their resolutions dpt and they still refused to validate the debt as required by law and made false claims that they were not a collection agency and did not have to abide by the laws governing collections. I paid a final payment just to stop this attack against my family and now, even though the account is closed they refuse to provide a paid in full letter. The resolutions agent that it was escalated to refuses to resolve the matter and told me I have to get the letter from collections, while collections told me the account is closed and there is nothing, they can do for me. I have had 2 vehicle loans with this company in perfect standing, never a late payment on either one. Their actions are a violation of law, and they intentionally damaged my credit while refusing to validate the debt or provide a paid in full letter once they damaged my credit and bullied me into payment.

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 2022-08-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I am filing this complaint because on XX/XX/XXXX and XX/XX/XXXX, I requested validation of information reported by Lexis Nexis to the Credit Bureaus. Based upon my own personal research it appears that Lexis Nexis is in violation of multiple consumer laws by furnishing unauthorized, and unverifiable information on my behalf without my written consent. By reporting this information, it has terribly harmed my ability to obtain credit and caused great harm to my financial well-being. I demand that this information be deleted based on the premise that the company is not following the consumer laws guidelines. The item in question is an alleged XXXX  XXXX Bankruptcy. I demand Lexis Nexis delete and remove this unauthorized, inaccurate, and unverifiable information on all company consumer reporting lists. I have attached my supporting documentation to this complaint. It is my understanding that you will recheck these items. Under Disclosures to consumers 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. Further, under Compliance procedures 15 U.S.C. 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. You, Lexis Nexis are in violation of multiple consumer laws : 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumers rights to privacy, 15 USC 1681b ( a ) ( 2 ) No Permissible purposes/No written instruction from me the consumer to furnish this information. Additionally, failure to validate the accuracy of the information you have reported as per my requests on XX/XX/XXXX and XX/XX/XXXX. I never gave Lexis Nexis any written consent to report anything on my consumer reports, no consent is fraud. I am also requesting Lexis Nexis must provide me with their Investigative consumer report per 15 USC1681 a ( e ) as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello PayPal team, my PayPal account can not be linked to the bank and withdraw cash, I have called PayPal customer service many times, but the problem has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/XXXX, XXXX XXXX Experian XXXX XXXX has not responded/ replied/ answered to my dispute. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-06-23
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Oportun Inc ( XXXX ) Allowed a credit card to be fraudulently opened in my name using a stolen email address from an identity thieve. XXXX, I already reported this to Oportun. I have not used this card to make any purchases, and I did not receive any credit cards from Oportun. The credit card was opened fraudulently using stolen Identification. I have fraud alerts on all 3 credit bureaus and Oportun did not make any efforts to clear the fraud alert before opening the credit card. I have not made any payment 's on this account. I did not receive any credit cards from this company, and I do not owe a balance to this company. This credit card was opened from an identity thieve and I did not authorize anyone to open any account 's in my name. I have already reported this to Oportun and nothing has been done about it. Oportun continues to report this to the credit bureaus with a balance of over {$530.00} owed which I do not owe. I did not receive a card from you, I do not know how to login to your site, and I did not make any purchases with a card I never received. I did not authorize this account to be opened in my name. This application and card are fraudulent, and were fraudulently obtained. This account should be closed. I am attaching my FTC Identity theft affidavit below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CITIBANK, N.A.
State: NY
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:
XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this 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 explanation