BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XX/XX/22 XXXX XXXX sent {$50.00} to me via Venmo. 
Venmo settled {$1.00} balance leaving {$48.00} on balance Received email stating account reinstated Less than 30 min later, account locked and I have not been given a logical reason besides security reason won't give me the term and agreement rule I violated or let me know what security issue they're talking about for me to so I can explain it away they refuse to release my funds back to me to use or even send them back to the original sender I am homeless because of them they had the audacity after all these begging and pleading where XXXX XXXX XXXX XXXX and still very well may be send me a email asking how their support team did and answering my questions and resolving my issue what did resolve anything it's {$48.00} I have no reason why they're keeping it they won't give me one I've sent them a copy of my birth certificate my driver 's license sent them my bank account numbers rounding in account numbers in the debit cards attached to those including the full card number with expiration date XXXX XXXX I've sent them my mother and father 's day to birth and my father 's day to death every email account that I have open with XXXX that I can remember beyond all that there is no reason why they have to verify anything anymore besides me sending them a blood sample or they do they want to come XXXX XXXX XXXX but whatever the reason is they're breaking the law by holding my money without giving me a reason that they can back up with their own policies and procedures

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are reporting on my credit report from fraudulent activity. I do not have any account associated with these inquiries. I opened up a XXXX card that was opened on XXXX that was pre-approved. XXXX did not hard pull my credit. These inquiries are misleading cause I was not applying for accounts.

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 2022-07-29
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello my name is XXXX XXXX and I have been having this same problem since XX/XX/XXXX XXXX XXXX with capital one and I am furious that I have been calling and emailing and sending out letters for months with no help. I reached out and they reached back out and said they will solve my problem. Someone used my information on that day and its an application inquire on my report. I will appreciate it if they take that fraud information off of my credit report now. It has been way longer than 90 days! I should not have that on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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. 

I told the XXXX, Transunion, and XXXX, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 non-monetary relief
Consumer complaint received 2022-09-23
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I converted the equivalent of XXXX XXXX through Wise.com because I was trying to pay for a hotel by transferring XXXXXXXX XXXX ( cost of the hotel ) to a commercial account due to the fact that the wise debit card I had was not working to be able to pay with it. Wise stopped this transaction and I decided to cancel it because the hotel never received the money so I could stay in it. Today is XX/XX/XXXX and I still have not received my XXXXXXXX XXXX  back to my Wise account. After calling the wise customer support team for more than 5 times I still don't get any information about why they are still holding my money, and why they have not refunded it back to my account. Anytime I try to request a supervisor over the phone they said they don't have supervisors working at Wise and they push me to finish the call with 0 solution or at least a reasonable explanation. 
Wise never sent the money to the hotel and never refunded the money to my account. 
I feel I am being stolen and tortured by Wise. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
In accordance with the Fair credit report act XXXX XXXX account number XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payments are mailed on the XXXX  or XXXX  of the month for a payment due date of the XXXX. They are telling me that seven to ten days is not enough time for my payment to arrive at their facility. They seem to be processing my payment the day after the due date and then charging me a XXXX XXXX dollar late fee every month. I HAVE HAD THIS XXXX  credit card for XXXX some years and never had a problem with paying on time. Since this Comenity bank took over there has been problem after problem. It seem they are getting the payment then waiting to process it to generate a late charge. I believe their banking practices need to be looked into. Im working on getting another loan to pay that card off so I no longer have to deal with these people any longer. But if they are doing this to a lot of other people then they could be generating a lot of income besides the money they are already making off the interest. Seems like a scam to me. I could be wrong. Hope some one will look into this. By the way. The payment is leaving XXXX Pa To go to Texas. Which I could drive there and back in four days thats with a ten hour break every day. Thanx XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: LEXISNEXIS
State: PA
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:
Can you please help me to resolve this matter. XXXX found out on my consumer file that LexisNexis has furnished a Bankruptcy on my credit file and illegally shared the file with XXXX XXXX XXXX and XXXX. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not shareb this information with Lexis Nexis. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called Lexis Nexis numerous times and emailed thier CEO XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: LEXISNEXIS
State: IN
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:
LexisNexis Consumer Reporting is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004. Source : 85 FR 76887, XXXX XXXX, XXXX, unless otherwise noted. 1006.18 False, deceptive, or misleading representations or means. ( b ) False, deceptive, or misleading representations. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. Allowing General Revenue Corp to false report incorrect data on my consumer report. LexisNexis is acting as an accomplice to General Revenue Corp with furnishing inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of 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 2023-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau Equifax to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate. JPMCB # XXXX Not my account, Its a corporate account company owned by my XXXX XXXX. XXXX XXXX XXXX Not my Account XXXX XXXX collection XXXX, According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 initially open the cfpb complaint number XXXX because I had issues with Equifax providing accurate information and verification of the accounts I am disputing. A simple " item verified '' is not in accordance with the FCRA. I AM REQUESTING METHOD OF VERIFICATION FOR THE FOLLOWING ACCOUNTS OR EQUIFAX TO REMOVE THEM IF THIS INFORMATION CAN NOT BE DISCLOSED. 

***XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
**** XXXX XXXX, IN EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY ***** Trade : XXXX XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : XXXX XXXXXXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 

**** Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION NON REPORTING DISPUTES ***** the method of verification was not listed only the items were verified is not a proper response. 
While I understand that you've mentioned the items were verified in line with the FCRA, I kindly request further clarification regarding the specific details of the verification process that was undertaken. This information would greatly assist me in understanding the basis for the verification and in ensuring the accuracy of the information on my credit report. 

To uphold the principles of transparency and accuracy, it would be very helpful if you could provide the following information : 1. The method ( s ) used for the verification of the disputed items.

2. Documentation or evidence that was used to support the verification process.

3. The dates and names of the individuals involved in the verification. 

Additionally, I wish to emphasize that my main concern is to ensure that the information reported on my credit file is accurate and verifiable, as required by the FCRA. I believe that having access to the specific details of the verification process will enable me to make informed decisions and address any potential discrepancies. 

I appreciate your understanding of my situation and your commitment to resolving this matter fairly and accurately. Please feel free to contact me at XXXX or XXXX if you require any further information or if you are able to provide the requested details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As of XX/XX/2022 I stopped into local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and spoke with a Personal Banker. About not having online access she saw note on account and called fraud department fraud department informed of closing account reason was not given we were left confused me and banker she later found out due to dispute but mentioned how unusual that is since your dispute positively resolved in XXXX and I said I havent had access to the account since XXXX time all I can see is emails that payroll is still going into my account I want this hold lifted immediately online access restored or I will write to the ethics department board of directors of the bank and the state attorney generals office. Due to restricting me from my account and funds with no reasoning given I was provided no notice to my address whatsoever and no online notice to my email as well. 

I seek resolution to resolve this and reverse such a decision on the grounds of no merit and inconclusive findings or I will contact alternative channels and my local news affiliation as well. 

For reference account was opened in XXXX FL I seek prompt resolution to my query.

Company response to consumer: Closed with explanation