BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
OnXX/XX/2020, I notice my social security number don't register with chase bank account.I would like for you to investigate my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 major problem with Trans Union for allowing two companies to continue to report an inaccurate payment history on my credit report. The inaccurate payment history of these accounts continue to persist, and Trans Union will do nothing to correct the issues. That is why I am contacting your office today. 

First of all, I had an account with XXXX XXXX in the past. The account number on this account was XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX, XXXX, and XXXX of XXXX ; nearly two years after this account was closed. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

Secondly, the same thing is happening on a separate account with XXXX XXXX Credit card. The account number on this account starts with XXXX, and ends with XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX and XXXX of XXXX, as well as XXXX of XXXX. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

I have been patient up to this point, to give Trans Union time to do the correct and right thing here. But the errors continue to persist on my Trans Union 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 2020-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/2019 my cell phone was misplaced. Two and a half months later I found it. I contacted my carrier and told them that I found another carrier ( cost was 1/3 of XXXX ) and wanted to switch. They immediately locked my phone and refused to free it for several months. I finally gave up and paid the ransom of {$140.00}, then switched to XXXX XXXX and received a new phone and phone number. I called the bank ( USAA which claim to cater to service members and vets ) and gave them my new number and told her that they could send the code to that new phone number. She replied that oh no they could not do that. Only to the number on record. As long as I had been a customer at USAA I was also unable to receive emails from them even though they had my correct address. So I was still not able to receive, thus respond with any codes thus not able to access MY account. I filed a complaint with the XXXX  which went nowhere. After not accepting their responses which basically changed nothing, the XXXX said that they had responded to my complaint, so case closed. Meanwhile, it has been almost ten months and I stilll can not see my data. What would you do if your bank suddenly allowed you no access to you account activity or account balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN MEDICAL COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount of {$150.00} is being reported. 

I have contacted them because my supplies were sent to an old address. I changed my address with them years ago and they still sent them to the wrong address. I should n't be paying for something I did not get and was sent to another address, when I called then to change the address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 at around XXXX XXXX, I have received a disturbing email from PayPal that I made an " authorized '' payment to XXXX XXXX XXXX for the amount of {$1300.00}. It was clear that someone used my log in information to use my PayPal account to buy something from XXXX XXXX. I went online to use the PayPal Resolution Center to submit a dispute for this fraudulent transaction because their phone operations was closed then. PayPal told me it would take less than 9 days to " investigate '' my case. Come 4 hours later, I have received another email stating my case was denied. Following morning XX/XX/2019, I made a phone call to them stating my case verbally. The customer rep. seemed very enthusiastic to help me get this matter resolved and told me not to worry and she would appeal my case and respond via email. Come 3 hours, I get another email from PayPal saying my appeal has been denied. So far I've been denied twice. I then called my bank to stop payment for {$1200.00} ( This was the difference that PayPal tried to collect after they used my {$80.00} that was in my PayPal Cash Account/Virtual Wallet ). The bank happily put a stop payment even though it hasn't shown in the account activity, so I was able to intercept the charge. I then called PayPal a second time to see if they can escalate my case, but unfortunately customer rep told me he couldn't do anything else. According to them, the fraudulent transaction was " authorized '' from me. So I figured putting a stop payment would revert everything to normal. Obviously I was wrong when I logged into my PayPal account on XX/XX/2019 around morning and immediately noticed they put a negative charge of {$1200.00} on my virtual wallet account. Furious, I called them up a third time to see what they could do to rectify this problem : the only thing the customer rep. did this 3rd time around was re-open the case and appealed it again. I'm pretty sure it wouldn't solve anything a third time. I have been a loyal XXXX customer for over a decade so it doesn't make sense why I would pay XXXX XXXX. I don't even have an account with that phone company. I have been a loyal customer with PayPal for almost 2 decades and have had a good status with my account until now. They are supposed to be safe and protect the customer but their 2-3 hour investigation ( after they told me it would take 9 days ) wouldn't help my case at all. I'm very upset and stressed over this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed 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 2019-10-14
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: Public record information inaccurate

Complaint:
I disputed inaccurate information on my credit report. 

A Bankruptcy came back verified stating the source as XXXX XXXX. 

I received a report from XXXX XXXX and there is not Bankruptcy listed by XXXX XXXX. 

I see that this is an obvious violation of my rights and demand the bankruptcy be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THE DISPUTED ACCOUNT IS A PAID ACCOUNT THAT HAS BEEN SETTLED IN FULL, THE ACCOUNT WAS PREVIOUSLY REMOVED OFF THE CREDIT AND IT IS NOW A CLOSED ACCOUNT, AND I WOULD LIKE THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FOR IT HAS AFFECTED MY CREDIT TREMENDOUSLY.

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 2022-06-13
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account numberXXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX Equifax XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX  XXXX  Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXXXXXX Account number XXXX XXXX. - Account number XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act 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 Transunion 1. XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account numberXXXX 3. XXXX Account number XXXX 4. XXXX XXXX XXXX Account number XXXX 5. XXXX XXXX Account number XXXX 6. XXXX XXXX Account number XXXX 7. US DEP ED Account number XXXX 8. US DEP ED Account numberXXXX XXXX. XXXX Account number XXXX XXXX 1 XXXX XXXX XXXX XXXX Account number XXXX 2. XXXX XXXX Account number XXXX 3. U S DEPARTMENT OF ED Account number XXXX 4. U S DEPARTMENT OF ED Account number XXXX 5. U S DEPARTMENT OF ED Account number XXXX 6. US DEPARTMENT OF EDU Account number XXXX 7. US DEPARTMENT OF EDU Account number XXXX 8. US DEPARTMENT OF EDU Account number XXXX 9. US DEPARTMENT OF EDU Account number XXXX 10. US DEPT. OF EDUCATIO Account number XXXX 11. XXXX XXXX XXXX Account number XXXX 12. XXXX XXXX XXXX Account number XXXX 13. XXXX XXXX XXXX Account number XXXX XXXX. - Account number XXXX XXXX 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXX 4. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXX XXXX  XXXX. XXXX XXXX XXXX Account # 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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from 2011 on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up 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 2017-06-27
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Stop payment was issued to a merchant/charge and the representatives stated that the payment had to pend before it would be removed. Upon posting PNC stated that they could n't reverse the payment. I was misinformed in regard to proper procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have mailed information to the company they stated they havent received it been over 3 weeks there site does not work to upload and i cant access my own 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine transunion, XXXX and XXXX will be all disputes in the mail of the violation that they have put 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 2019-10-14
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:
I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and XXXX  continues to allow them to report this as 60 days late when it is indeed paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019 )

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 2022-06-13
Company: EQUIFAX, 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:
Personal information Violation 15 USC 6802 ( i ) no one had permission to disclose my personal info, this is a place of abode not my address, I don't reside here, it is a primary dwelling 15 1681 A ( 4 ) Right to privacy Violation Late payment violation 15 USC 1681 B, Stolen Vehicle 15 USC 9613, 9611, 9612 15 USC 1692 ( J ) 15 USC 16666B timing of payment 15 USC 1602 J 15 USC 1692 G 15 USC 1681 A 2 A 2 B 15 USC 1681 N

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, 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:
Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, Equifax and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.

Company response to consumer: Closed with explanation