BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Investment Retrievers, Inc.
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: Old information reappears or never goes away

Complaint:
These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Paypal Holdings, Inc
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection 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 explanation
Consumer complaint received 2015-04-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: BARCLAYS BANK DELAWARE
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A balance transfer was initiated for {$4900.00} to  XXXX   XXXX  on  XXXX / XXXX /  XXXX   throug h Barclay  card.      Barclay card  is saying the transaction has posed, however  XXXX   XXXX  is stating that it has not.      Barclay c ard is now billing me for payments on a transfer that was not performed, but they are insisting it was.     When I contacted the contact center on they just say that the transfer is completed in their system and provide no assistance despite my proof of non payment through  XXXX   XXXX . I call ed Barclay Card o n  XXXX  and  XXXX  in attempts to get answers but they are continuing to not provide assistance.

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 2016-06-24
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal permanently limited my account for reason that they can not tell me ( the customer service said this when I contacted they ). At the same time, they forfeited the eBay gift card I bought from supermarket that have already linked with this PayPal account ( I can only use those eBay gift card with the specific PayPal account. However, I can never use this PayPal account any more ). Regardless of the reason PayPal limited my account ( I did n't owe PayPal any money in any means ), how could they have the right to forfeit the eBay gift card I bought by my own money? If it is legal, PayPal could limit any account with the reason they can not tell us and forfeit all gift card that have linked to PayPal account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently while observi ng my credit score and   account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my   XXXX   and   XXXX   reports. On my  XXXX  report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with  XXXX . This was never an authorized inquiry, nor  one t hat I have ever been familiar with. I would like it removed fro m my credit score, as it states the estimated remova l date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX    report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score.  This specific inquiry states it is from Cbna   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and will be removed at an estimated date of  XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal received a buyer complaint stating : XXXX/XXXX/XXXX XXXX PDT - Buyer : I WAS MADE AWARE THAT I WILL GET TICKETS AT THE VENUE WHICH WAS ON XX/XX/XXXX. I WENT TO THE VENUE BUT WAS N'T ALLOWED IN AS I DID N'T GET THE TICKETS AND SELLER IS NOT RESPONDING EITHER. I WOULD LIKE FULL REFUND I responded to this dispute with evidence and the case was decided in my favor on XXXX XXXX. I have indisputable evidence that the tickets were delivered to the buyer and that they did attend the event. I am attaching the email sent to the buyer with their electronic tickets for the event. 

On XXXX XXXX, I received the following correspondence from Paypal : We received a complaint from your buyer telling us the merchandise was not received Here are the details of this transaction : Transaction Date : XXXX XXXX XXXX Transaction Amount : {$1400.00} USD Transaction Number : XXXX Total Refund Amount : {$1400.00} XXXX Refund Amount Remaining : {$0.00} USD Invoice Number : Buyer 's Email : XXXXXXXXXXXX XXXX 's Name : XXXX XXXX After reviewing the issue carefully, we 've reversed the payment in accordance with our User Agreement and Seller Protection Policy. To make sure you had the money in your PayPal account to cover the reversal, your pending electronic or check withdrawals may have been cancelled. 

The buyer is lying. I provided proof to Paypal that the tickets were picked up and used for the event. Paypal has chosen to ignore said evidence. 

Paypal recently lost a class action lawsuit and had to pay a fine based on your efforts yet their business practices have not changed. 

Paypal attempted no further contact with me in regards to this decision. Paypal made no effort to check the validity of the claims raised by the buyer. Paypal is irresponsible in their handling of this. Paypal has a responsibility to properly investigate claims and review evidence submitted by both parties. 

This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: National Bond And Collection Associates, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts reporting with dispute comments. I requested that these accounts remove the dispute comments from all XXXX bureaus and I had no issues with XXXX and XXXX but Experian stated that they would have to file a dispute with the companies reporting in order to have the verbiage removed and it could take up to 30 days. Well, it did n't take 30 days but instead the two companies refusing to remove the comments denied my request even though I stated " I no longer dispute the account and I agreed with the way it was reporting '' I also contacted both companies and requested for them to remove the dispute comments themselves and both companies stated they would n't remove the dispute comments " UNLESS THE ACCOUNTS ARE PAID '' To me this is illegal because these companies are holding me hostage and preventing me from being able to purchase a home by reporting innacurate information on my credit file since I have specifically stated I 'm no longer disputing the accounts. It 's my right as a consumer to dispute an account and there are mortgage guidelines in place to decide whether or not I am approved for a mortgage and it should n't be up to anyone deny me this right by reporting inaccurate information in hopes of getting paid. Experian has stated there is nothing they can do unless the creditor reporting the information gives them permission to remove the comment. I had no issues with XXXX or XXXX and if Experian has to put the account in dispute to remove the dispute comment it 's extremely contradictory. I have clarified to both experian and the creditor reporting the information that I no longer dispute the information and I agree with the way the account is reporting and still I ca n't get them to remove the comments from my credit file. This is preventing me from being able to move forward with a mortgage and they are holding me hostage. XXXX XXXX XXXX and XXXX XXXX XXXX are the two 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 explanation
Consumer complaint received 2017-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
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: Old information reappears or never goes away

Complaint:
These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
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:
I was XXXX  for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in XXXX  I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX   XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) 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 2016-05-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian refuses to refund charges to my credit card for a membership I canceled 39 minutes after I was notified of it. They continued to bill my credit card for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after I clearly rejected their membership on XXXX XXXX, 2016. They have denied my claim and my appeal saying I never canceled the membership. Hopefully the attachment showing the e-mail proves my case if it attached correctly. I understand I 'm not the only person having problems with Experian. I think this is how they make their money. They are not honest and upfront. They should be honest and explain in better detail what they are doing or trying to do behind your back. I never logged in or used their services in any way. I ignored all their e-mails and attempts to get me to log in or use their services.

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 2016-03-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.

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 2016-11-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed this information 5 times already with the CRAs and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called several times to Transunion,  XXXX , and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off. Transunion,  XXXX , and  XXXX  all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

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 2016-10-28
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.

Company response to consumer: Closed with explanation