BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
PayPal has shut down its customer service and perhaps doing some bad practices as my money was placed on a hold for 21 days due to " security risks ''. Whenever I inquired what exactly those risks were, they never addressed them specifically because according to the chat box, " it does not provide that information it only shows an error ''. Currently if you checked PayPal 's social media profiles you will find hundreds and even thousands of people that experienced the same situation I was in. Once my money was released from its hold, then it was literally impossible for me to transfer it to my bank account without paying a fee. PayPal claims that you are always free to transfer your money to your bank account for free it would only take more time. However according to their representative I wasn't going to be bale to link my checking account due to a system error. When I asked how can I fix this she suggested that I be better off opening a new bank account that could work with PayPal, when I mentioned that my current bank has never reported any issues with PayPal in the past she just kept on blaming everything on their system and security risks. Finally, she said that because my bank card was already linked I could transfer the funds there, of course at a 1 % fee charge. This of course made me wonder about the whole situation because, the bank account I was trying to link and the card on file are one and the same yet it just would not go through according to their representative. At the end I had to pay a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MD
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:
I am distressed that you have included XXXX EQUIFAX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions.

15 U.S.C 1666B : States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-12-10
Company: EQUIFAX, INC.
State: MD
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:
I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions.

15 U.S.C 1666B : States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On    XXXX   XXXX   XXXX   I  called Transunion to get credit inquiries removed from my credit report which were posted in error. I tried to get the customer service representative to help, but the person would not help and take care of the negative inquiries reporting to my credit report. My name is  XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MA  XXXX , and the my social is  XXXX . The following inquiries should be removed :  XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / 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 2017-04-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We have both Federal and non federal student loans i believe. I have called Navient several times over the past few years to make sure the money is going where i want it to go. i called again today and the extra money we put towards the loans was not correct. they have changed the reallocation of the money or never did it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SECURITY FINANCE CORP
State: OK
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 received a  XXXX  or so check in the mail from a lender in  XXXX , OK I decided to use it for a short period of time. Paying it off quickly. I have good credit, and I am very concerned about anyone running my credit without my knowledge or consent., So, on  XXXX / XXXX /  XXXX    Security Finance  located at  XXXX   XXXX   XXXX  in  XXXX  ran my credit after my loan was all but paid off. I received an alert from  XXXX  stating these facts.      XXXX  at the lending agency stated she " accidentally pulled my credit while assessing another customers credit. '' I do not believe it was an accident.     I want this lending agency to write a letter to all three bureaus and undo any possible negative effect this might cause.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  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 2020-06-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Joint CD matured on XX/XX/XXXX. Both account holders have contacted the bank multiple times since then and spoken to multiple Customer Service Representatives, however, we have still not received our funds. We also approached the Comptroller 's office but still have not received our funds. 

XX/XX/XXXX - in-app message sent to not renew CD and to disburse funds to savings account upon maturity. 
XXXX XXXX spoke on the phone to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX spoke to CSR XXXX XX/XX/XXXX received message from Product Support Operations Specialist II XXXX 14 days post maturity, 5 CSR communication and a complaint with the OOC, our funds are still not disbursed. The bank is using the current pandemic as an excuse to hoard our hard earned savings and not release the funds immediately. 

Each time we were told that it would take 3-5 business days. XXXX even stated that she could not really specify when it would be disbursed. XXXX, via the app message has now increased the number of days to 5-7 business days. 

During this challenging time, the people at Comenity XXXX XXXX are giving us more stress. 

FDIC had directed us to your office. If CFPB can resolve this issue, we will appreciate.. 

A copy of our correspondence with the Comptrollers office both from the 16th and today XXXX XXXX, is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked three hotels in XXXX with my Citi Costco Card. This was during XXXX, during the pandemic and when XXXX was in total lockdown. Two of the hotels refused to refund my money or offered me credits to use during the pandemic. 

So, I challenged the payment with Citi. Citi refused to give me credit. It is unfair that I should have to pay for hotel reservations during the pandemic. My flight to XXXX was cancelled. Citi should refuse payment to the hotels and refund my money. I have attached correspondence from the two hotels. 


Thank You, 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 2022-08-04
Company: Genesis FS Card Services, Inc.
State: NV
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 Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX PAID 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 2017-04-13
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
While Inwas at work around XXXX  oclock I receive an alert from XXXX XXXX XXXX that I have open an account with Wells Fargo Bank. I know I did not when I tried to call the bank the eating time was about 45 minutes wait to 50. At the end I have not been able to reach mobody

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 2021-12-10
Company: Experian Information Solutions Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
Ive been sending EXPERIAN letters to remove the inaccurate and unverifiable accounts from my reports due to identity theft from a few years back. 

i asked the creditors and experian to send me the proof of alleged debt. Ive been asking every month this year since XXXX, and til this day they are still silence about the accounts i am unaware of, so they continue to report this inaccurate information, causing severe damage to my character. i will have attachments below. 

Experian never responds to my disputes, i want you guys to stop them them from FALSIFYING these negative accounts on my credit report monthly. 

They failed to validate the alleged paid debt that i do not have any knowledge of. so therefore they need to remove it, or i will be be suing them for negligent compliance, furnishing deceptive forms, and a few other laws they continue to violate.

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 2020-04-22
Company: Experian Information Solutions Inc.
State: NV
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:
Disputed an inaccurate Chapter XXXX bankruptcy being reported to my credit report with all three credit bureaus, in XXXX of XXXX. In XXXX of XXXX, XXXX  deleted the inaccurate information. In XXXX of XXXX, XXXX  and third party information provider, XXXX XXXX, deleted the inaccurate information. Experian refuses to delete the inaccurate information and has not adhered to the time limit to settle disputes outlined by the Fair Credit Reporting Act. Experian has been investigating and delaying their decision on this matter since XX/XX/XXXX. This date extends well beyond the allowed time by the Fair Credit Reporting Act and is a blatant violation of my rights.

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 2020-10-07
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 am a victim of identity theft

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I had a load with XXXX XXXX XXXX. I was behind on some payment and made it known to them. Then for the past year play have been paying the payment in full and on time. I am still paying the payments each month. They have not reported that I have been continuing to pay the balance each month and stopped reporting in early 2019 when I still have the car loan through them and have been paying on time and am up to date that that is destroying my credit score. They havent updated it in a year and when I made a complaint they closed the account out which negatively effects my credit while the loan is still with them. I just want its to be up to date so I can continue to improve my credit and they are doing everything they can to negatively impact it while I have been paying in full and on time for over a year.

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 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am distressed that you have included CAPITAL ONE BANK USA NA information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
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 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 2022-04-28
Company: EQUIFAX, INC.
State: MI
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 am the natural person, consumer and original creditor. I entered into a consumer credit transaction with XXXX  XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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