BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX, I was on XXXX and I selected the " PayPal Credit '' option upon checking out. Soon after authorizing Paypal Credit as the method of payment, I received a decline notice. To my surprise shortly after, I received a confirmation email from XXXX. As per my review of my Paypal account, I realized Paypal denied my Paypal Credit application and withdrew the funds ( {$1600.00} ) from my debit account without authorization. I have contacted Paypal on numerous occasions to settle the unauthorized transaction detailed above to no avail, please see below for my summary of each attempt to settle this issue : 1. XXXX : I called Paypal and advised them that the funds were incorrectly withdrawn from my personal debit account. The agent stated he could not explain why that happened since I explicitly chose Paypal Credit within my checkout option. The Paypal customer service representative advised me to issue a stop payment with my bank and stated that doing so would trigger a refund on behalf of XXXX. 2. XXXX : I contacted Paypal after receiving an email stating that my Paypal account was - {$1600.00} and that I owed Paypal the same. After speaking with a Paypal customer service representative they opened a dispute ticket in an attempt to resolve the issue. On this phone call the customer service representative stated that Paypal will attempt to negotiate a refund via XXXX and if that did not work Paypal will issue the refund and in turn, my account would show a {$0.00} balance. 3.  XXXX  : I contacted Paypal to follow up and after speaking with numerous agents ( 4 - 2 customer service representatives ; 1 supervisor ; 1 dispute manager ), the dispute manager stated that the I entered in an agreement with XXXX which allowed Paypal to disclose my personal banking information and authorized them to withdraw funds. My Issue : Please note, there isn't any disclosure of this when selecting Paypal Credit as a payment option. I have read through XXXX 's Purchase Policy, XXXX 's Terms of Use, and Paypal 's Terms of Use and there is no mention of such agreement. Furthermore, the Paypal dispute manager stated that I have selected for my debit account to be used as a backup account in the case of a credit denial. That is incorrect. I have never opted for my debit information being used in the instance of a credit denial. What I have done is use my debit information to pay my Paypal bill and pay invoices. At no time did I grant Paypal the authority to use my banking information at their discretion. Finally, adding insult to injury the dispute manager at Paypal stated that this is an agreement that Paypal and XXXX have in place in order to " sell '' tickets. The one and only endgame here is stripping people of their money whether it has been authorized or not in order to give them monetary gain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: AL
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 submitting this without any influence and this is not a third party. Experian has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 experian has me at a score around 590. That is a huge difference. experian paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with experian. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact experian more than 21 times.experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2021-10-16
Company: EQUIFAX, INC.
State: NY
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 contacted Equifax on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I am hoping that this will be deleted immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of Education XXXX XXXX US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems 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 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 non-monetary relief
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am viewing inaccurate name variations, date of births, also accounts are not complete and reported fairly across boards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
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 noticed a couple of incorrect data on my credit report. I have reached out to the agencies to remove this things off my credit and no luck. I have tried to reach out with a legal team and was getting a run around. I am very frustrated at this point because my information is at risk. I need all these data completely removed off my credit report. 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 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 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 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 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. My information may have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: WINN LAW GROUP, APC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I borrow a loan from beneficial it is amount of $ XXXX.in XXXX I refinance my house in XXXX XXXX XXXX paid off that loan. I have a lien against this loan on my house from Winn Law group, XXXX XXXX XXXX XXXX. I want to them to remove the lien it is for {$19000.00} lien. I can afford to pay that lien and it was paid off through XXXX   XXXX in XXXX. This shouldve never be on my record and this ruin my credit I am having a hard time refinancing my house because of this lien. I have called Winn Law Group they said theyre working on it but since last 5 month they have not done anything to take care of this problem and Im about to lose my house. my ex husband is taking me to court to make me to sell the house if I sell the house my daughter and I have no place to go except to being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXXXXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXXXXXX XXXX  that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, DEPT OF EDUCATIONXXXX XXXX XXXXXX/XX/XXXXXXXX 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 Dection 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was given a forbearance by XXXX  in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time XXXX has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called XXXX in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called XX/XX/XXXXand was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-22
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: Reporting company used your report improperly

Complaint:
Applied for a vehicle at a car dealership XXXX, but did not expect the sales representative to send my personal information to several bank/lenders. It resulted in a dramatic drop in my credit report from all 3 bureaus. Requesting that the following items from the Identity Theft PDF be removed from my credit report immediately according to the Fair Credit Reporting Act. Thank you for your 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 2022-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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 PORTFOLIO RECOV ASSOC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with Experian, still waiting on dispute with Experian, XXXX not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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