BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TN
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:
This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my 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 2019-08-25
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: Public record information inaccurate

Complaint:
All the following credit bureaus are reporting erroneous information in regard to my credit report : XXXX Experian XXXX XXXX XXXX XXXX, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX  XXXX  - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove 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 2021-12-11
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I sent letters and paid in full receipts to XXXX XXXX no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Paypal Holdings, Inc
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
We received a notice on XX/XX/21 from XXXX XXXX XXXX XXXX Dated XX/XX/21 stating they are collecting a debt to PayPal , Inc of {$210.00}. 

I called PayPal, Inc on XX/XX/21 and verified that I have no negative balance in my accounts with them. The PayPal Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/21 to formerly dispute this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

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 2019-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered furniture from XXXX XXXX but never received the merchandise. The order was cancelled but the shipper did not immediately return the merchandise to XXXX XXXX so there was interest accrued on the credit card. When I spoke with XXXX XXXX their rep said that I would be credited for both the merchandise and the interest. They credited the merchandise, but not the interest. When I called back they were supposed to check on that and get back to me, but they never did. Eventually they sold the debt to a collection agency who continues to attempt to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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 have called XXXX to get XXXX items disputed off of my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called Equifax as well to get XXXX items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my 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 2022-04-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This XXXX account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 spoke to a representative over the phone and was told that the account XXXX was under investigation again once I asked how was it " verified ''. The representative told me the account was being verified from the same exact agency that put the negative account on my consumer report. Congress knows that each reporting agency is supposed to abide by the laws of the fair credit reporting act. A real investigation pursuant section 611 is when the credit reporting agency interviews your family or neighbors and not the way they are illegally verifying information on the consumer. Transunion continues to break the law and do whatever they want. They must follow the laws of the FCRA. It's why congress put them there in the first place to protect the consumer. I demand Transunion to provide me all 3 things that section 604 of the fair credit reporting act says you must have if you're going to keep this on my credit report. If you can not provide I demand immediate deletion from my consumer 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 2020-06-21
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: Their investigation did not fix an error on your report

Complaint:
Transunion did not fix or delete the errors I presented to them. They instead elected to scan my dispute letter through their e-Oscar system and leave it at that. They DID NOT conduct a reasonable investigation per FCRA requirements. This dispute letter WAS NOT typed up by a credit repair organization. I have to say that because the CFPB keeps accusing me of using one and closing my disputes. The first attachment is the dispute letter I sent to Transunion. The second attachment is what they sent back.

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 2022-04-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, LL Bean Mastercard alerted me to possible fraud on my account ( XXXX am ) via email. At XXXX I contacted LL Bean Mastercard at XXXX. I spoke with operator XXXX at length, the operator reviewed each of my transactions for the month of XXXX. She closed the card and supposedly reissued a card ( not yet received ). All " normal '', I made a request to have an email relating the charges being removed from my account and tha I was not liable for those charges. She confirmed that would be done and I would receive said email in XXXX business days ( because I specifically requested the email ). On XX/XX/XXXX, I had to call customer serice-transferred to XXXX to be told that " we do not provide email confirmations, only mailed confirmations ''. Additionally, today XX/XX/XXXX I contacted the Securities Department operator XXXX stated there was NO REPORTED fraud showing on the account, again I reviewed the fraudulent charges and XXXX XXXX stated XXXX would tag them as fraud but the credit would not appear until the following month ( meaning I would be responsible for the interest on {$1500.00} in fraudulent charges ). And her supervisor XXXX XXXX ( operator KHN ) refused to provide the email as requested for me, and again stated that the XXXX department had no prior XXXX reported on the account until XXXX submitted today on XX/XX/2022. So today I have no confirmation ( CitiBank refuses ) to provide an email stating that I am not liable for these charges or for the incurring interest. XXXX the supposed " XXXX '' in XXXX refuses as well to provide a confirmation that these fraudulent charges ( the ones the XXXX up on XXXX ) are not my liability. Additionally, these charges won't be removed until the next billing cycle making me liable for the interest at 14 % for {$1500.00}. I am not being unreasonable, past experience with CITIBank indicates that this tactic is very normal and consistent with their operating mode.

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 2021-06-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased an item on XXXX from XXXX XXXX XXXX in XXXX Tenn using my Suntrust debit card ending in XXXX. 

The shipment took almost a month from XXXX Tenn to XXXX Ga and was defective when it arrived. I emailed the Manager at XXXX XXXX to return the item and was told he was not taking any emails or calls for a return. So I disputed the charge of {$86.00} on XXXX with Suntrust by sending in an Affidavit and uploading all the pictures of the defective item. 

Suntrust sends me a letter from a third party XXXX asking for more information on XX/XX/XXXX. So I call Suntrust to inquire about the third party getting involved as I never agreed to have a third party involved on my banking decisions. 

I also sent email to Suntrust today at XXXX with all the additional defective pictures of the item. 

I just want to get my {$86.00} back for a defective item which is what I thought my Bank would do with a disputed item that is identified and verified with an affidavit. There is no resolution from Suntrust as of today.

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 monetary relief
Consumer complaint received 2022-01-04
Company: The Moore Law Group
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:
My Complaint pertains to : The Moore Law Group, XXXX. located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Collection Agency ) The Moore Law Group is collecting a debt which started XXXX XX/XX/2020 and I also disputed this debt they claimed I need to pay. But I have no idea or do not know anything about their collection. I have been asking or requesting a copy of the credit card contract/written application who opened the credit card under my name. But what The Moore Law group did was to filed a lawsuit against me. Until now, after various letters to produce the written contract or credit card agreement with the valid signatures was not provided. I believed that they are committing unfair debt collections because that in spite of Identity Theft Report that I submitted with FTC and Police Report they continually insisting on this debt unknown to my knowledge. Also, The Moore Law group involved other people such as my friends with regards to their collection. Their alleged accusations against me does not have a valid proof and I feel that it is already in a form of harassment on my part as well as others such as friends of mine that they communicated about the collection they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB rep, I tried to rebuild my XXXX XXXX by starting a deposit secured credit card. By using the deposit secured card i didnt know if I used more than a certain percentage of my limit it would lower my score significantly which it did. I closed a Discover account that was my own money secured credit card on XX/XX/XXXX. At that time I was fully paid with zero balance. I received a statement early XXXX that reflected my deposit was repaid when in fact it was not. I contacted them and they said the check was sent and they would call me back with info. I requested they not cancel any check sent to me and to give it time to arrive by mail. It did finally arrive on XX/XX/XXXX. I deposited the check in my bank but now my bank has rejected the deposit as the check did not clear on Discovers end. Now at a critical time of personal liquidity issues, my Bank has taken away my {$200.00} as the Discover check was bad and charged me an additional {$15.00} fee. 
It took them over 2 months for them to send me my deposit back and have stopped payment or given me a bad check. 

Please help me get my money and punish Discover as this can not be legal. 
Very disappointed as the wolves are guarding the sheep. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have a inquiry ( XXXX/XXXX  ( XX/XX/2020 ) ) on my consumer report that should not be there on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Venmo has stolen from my account {$1700.00}. Venmo froze my account so that I cant even close my Venmo account. I am feeling helpless and trapped. People Venmo me funds and Venmo accepts on my behalf ( I didnt accept/approve ). Then they take the funds away. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
I closed my Target bill and paid the balance on  XX/XX/17    for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file.   Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PNC-BANK '' ( Call us immediately at ( XXXX ) XXXX ) XXXX - was sent as a text message to my phone. When I called the number the automotive voice said I needed to activate my card or it will close. I unfortunately answered all the questions such as my social, birthdate, card number, pin, as well as other pertinent information regarding my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, CAPITAL ONE XXXX, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to have PMI removed from my mortgage with Bank of America in XXXX. The bank agreed to my request to cancel PMI in XXXX. The problem is they have yet to adjust my mortgage payment and are still collecting the additional $ XXXXmonth and then returning that payment to me three weeks later. I've made numerous calls ( 5+ ) to correct this error only to be told my payment won't be adjusted until 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