BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received an email notifying me of a charge to my PayPal account for {$340.00} from a microcomputer service company that I did not authorize. I thought my PayPal account had been deactivated at least 6 years ago and called PayPal at XXXX as advised in the email. When I made the call, I received the usual notice for today that due to COVID, the PayPal customer service department was closed, but that functions for billing disputes were available. In the process of working with a PayPal employee to resolve the issue, access was provided to Paypal to determine what happened and how to prevent access to the Paypal account going forward. In the process, the Paypal employees ( names with dates and amounts are provided in the attached documentation ) transferred monies between my accounts and used my accounts to make unauthorized purchases. Also, Paypal requested funds in the amount of {$2000.00} through 4 gift cards to prevent unauthorized access to my " deactivated '' Paypal account. XXXX XXXX  and XXXX XXXX XXXX stopped all but one of the transactions from being completed through their fraud surveillance departments. The letter sent certified mail to Paypal is attached with the supporting documentation and details including dates, names, actions and amounts. 

I am requesting a refund of {$2000.00} from Paypal for the gift cards used to purchase software to prevent unauthoriz ed access to my accounts. 

As additional detail, copies of emails and order confirmations for the original unauthorized charge of {$340.00} to XXXX XXXX XXXX XXXX are provided. These emails were received on XX/XX/XXXX. The address on the receipt is the corporate office address of Paypal while the address on the order confirmation email is for Paypal in XXXX, Washington. Again, this appears to be legitimate concern. I called the number given in the order confirmation email - the greeting doesn't mention Paypal. I spoke with a " XXXX XXXX '' who requested electronic access to my accounts to resolve the issue. Lesson learned - no access was given. Either Paypal 's accounts have been illegally accessed or they have rogue employees who are fraudulent conducting business in Paypal 's name. Either way, I need the refund of {$2000.00} as soon as possible. 

If any additional information is needed, my contact information is : Phone number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-07-25
Company: EQUIFAX, INC.
State: SC
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 XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: OK
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 disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) is. I have never signed an agreement with XXXX ( AXXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, Experian and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist

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 2015-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I Applied for a frontier airlines world master card with a promotional offer of XXXX miles awarded after spending {$1000.00} within the first 90 days. I have met this requirement and contacted Barclays and Frontier several times to get these miles awarded to no avail. This is deceptive practice to get people to sign up for the Barclays/Frontier World Master Card.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an 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 2021-11-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : XXXX XXXX Opened XX/XX/XXXX Balance XXXX - ( bankruptcy ) XXXX BANK XXXX Opened XX/XX/XXXX Balance - XXXX - ( bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX has account reported as charged off. {$14000.00} written off. {$9200.00} past due as of XXXX 2017. This account went to collections 2 yrs ago and is currently being paid thru them at {$220.00} per month and on time.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: IN
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 explanation
Consumer complaint received 2023-04-17
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. 

A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. 

I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.

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 2017-09-10
Company: EQUIFAX, INC.
State: NY
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:
On or about XXXX of XXXX Equifax failed to keep my personal information secure. Equifax admits my information was stolen and that their security measures failed. Equifax is offering 1 year of credit monitoring service free of charge however my personal information is permanent and I will still be vulnerable for the rest of my life due to Equifax 's negligence. 

Further the information that Equifax mishandled can be used to access any account I hold or will hold anytime in the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Took money out of my account after being told to do so by  XXXX   XXXX  @  XXXX   XXXX   XXXX  ... .I purchase  XXXX  Gift Cards I the following amounts {$1400.00}  XXXX   XXXX   2017  and  XXXX   XXXX   XXXX   2017  ... Received phone call fro m JPMorgan ( CHASE ) Bank stating that one of the was Forgery {$1400.00} and the other one {$1900.00} had possible bad signatur e.Both checks where drawn on the   XXXX    XXXX   XXXX  ..I was  further told that both checks where being return to my account I should have them  in 7 to 10 days ... ..I was given a bad attitude from my local bank so I called Chase Forger y Department @  XXXX  and was given the same response as the local bank..I further contacted  XXXX  Police was given Case #  XXXX   XXXX   XXXX  2017..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX of XXXX XXXX but late 30 days with XXXX?? How can I be late 30 days with TranUnion and XXXX in XXXX of XXXX but on time with XXXX? 
The payment status shows 30 days late yet XXXX shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.

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 2019-12-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. 
also XXXX XXXX ding loc had placed the account with. 
XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In addition to my existing complaint is the fact of a 64 point difference between transunion and XXXX. Please explain this to me and millions of other consumers that I am sure have the same issue. This will all be shared on XXXX. Potential creditors don't/wo n't wait for ALL of the unreported info to catch up to date. A 64 point difference is an injustice to me and my good credit as well as anyone else. If these agencies don't have up-to-date information at any given date a " credit report '' is pulled how can they have any accuracy in their reporting. There is no wiggle room in ACCURATE, it either is or it isn't! Either you have the ability to have ACCURATE information on a daily basis or you don't. If you don't, then you shouldn't be allowed to be the determining factor in an individuals credit worthiness. As an American Veteran trying to stay physically and financially fit I wonder how many other Veterans are feeling my angst.

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 2020-06-19
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid off this loan at least a year ago and I was looking at my credit but noticed this loan had a balance which it shouldnt I log in to my account it says I have a balance due now when before it said nothing was due. I paid them over 8k and paid on time and paid off the loan. I called them and asked them where this new balance came from. They claim it was from me extending one of the payments during my loan period. My question is why did it take a year to all of a sudden pop up on my account when I paid off the loan. And furthermore I have not received a single piece of correspondence from them saying I owed anything not a phone all or email or a letter. Something is not right with this. Seems very shady I asked them to waive the fees due to how this was handled and they really dropped the ball they were rude about it and are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Ohio Attorney General submitted correspondence to remove XXXX State Liens from my credit repository accounts as they have been paid and released. The credit reporting agency has yet to successfully comply with this request after several letters from myself with attached documentation and from the Ohio Attorney General which held the lien.

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