BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. Monday, XX/XX/2020 I made a sale on XXXX for an XXXX  XXXX   XXXX '' XXXX generation XXXX GB. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? Account ID : XXXX Furthermore in PayPals last response they stated the reason for holding the funds was so there would be sufficient funds in the event of a chargeback or refund. I HAVE ALREADY WON TWO, not one but TWO OPENED CASES FROM THIS ONE BUYER. The last case I won was because the buyer claimed unauthorized transaction, but the transaction was indeed authorized so I beat that case as well. Because of this there is NO OTHER REASON FOR PAYPAL TO CONTINUE HOLDING MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I want to file a formal complaint about how MOHELA is refusing to discharge my loans in a timely manor after being notified by XXXX and myself that my loans were discharged as I am a class action member of the Sweets V. Cardona settlement. I have provided MOHELA with information the XXXX Loan Servicer sent my Loan to you in error. I have provided MOHELA with the necessary information regarding my loans being discharged and I demand this be reflected with MOHELA and all loans from MOHELA be removed from my credit report. At this time MOHELA is well aware of the facts of my case as I've spoken to MOHELA and XXXX who sent the loans over in error. MOHELA is costing me thousands of dollars in interest and borrowing power by allowing loans to be on my credit report in error. Please remove these loans according to the information MOHELA can acquire from XXXX the loan servicer who has been notified by the Dept. of ED that my loans have been discharged. All relevant information has been uploaded to MOHELA. Once again MOHELA is violating my financial rights, and their obligation to have fair and accurate loan information be reflected on my credit report. Thank you for your time in this matter. Best, 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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have been asking for help from Bank of America in resolving an issue. Bank of America refuses to move a lateness from my credit report that was allegedly 30 days late by a few days in XXXX. Apparently the adjustments to the to the Cares Act section 4021 makes it illegal for the Bank to report a derogatory on a credit bureau. This 30 day late is making it impossible for my family with young children, to achieve any financing to assist us through this tough period. 

There are a whole host of issues and defenses also that make this reporting inaccurate. I have spoken to BOFA multiple times and have written many emails and letters. I have never been late and have been a client for many, many years, the payment was on autopay, i brought everything current the minute I heard about this. I moved at the same time, never received a phone call, email, or anything..I really have never dealt with a ruthless organization like this and am hoping that this gets out to people that are having a hard time through this pandemic and find a bank that will have some sort of mercy with their fellow human beings in the future. People out there are really going through a tough time right now. If someone could give me a call it would be much appreciated. 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 2023-05-25
Company: Experian Information Solutions Inc.
State: NJ
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 has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy.

15 u.s.c 1681 section 604A 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased

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 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been ordering from this company 's catalog for years with no problems. I decided to get their credit card in 2020 and used it to order. My bills are paid every month on schedule ... .sometimes thru bank transfers but I use the US Mail with this company.

Their statement reflected a {$40.00} late fee one month. I felt this was unfair as I had mailed my payment on the usual date but they claimed it had arrived late. 
I decided to tell their company 's CEO how I felt about this and I sent the late payment with a letter and my cut-up credit card to the name and address given as their headquarters.. 
Another bill arrived with a {$90.00} late charge... calls on my phone came every day... sometimes more than once a day began. I explained to the caller that I had paid the original charge and where I had mailed it. This did not stop the calls. I received a letter from XXXX XXXX of their company stating that I still owed the late charge ... and my original letter and payment to their CEO was returned by the US Mail..unopened with address unknown and no forward ... .I gave up and sent XXXX a letter and check for {$97.00}. 
I just got another bill from them for {$130.00}!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: TN
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 have made several attempts to have the following items removed from my credit report due. The following items are over the 7 year and I have requested they be removed with no success. Equifax. XXXX XXXX XXXX XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX. XXXX XXXX  opened XX/XX/XXXX. I have exhausted all attempts for help..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my VA mortgage servicer to enter into the 180 day forbearance plan per the CARES Act Section 4022 and despite the law stating that all that is required is " borrowers attestation to a financial hardship caused by the COVID19 emergency '' they have requested I fill out several forms including a complex financial history form. The representative stated that Freedom Mortgage has their own process to apply for the forbearance and that I have to provide this financial information. I also submitted this request through the online secure messaging form with the servicer but have not received a reply at this time. 

I am attaching a screenshot of the secure message I sent several days ago as well as the financial form the servicer is requiring in order to process the forbearance request.

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 2021-10-19
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a debt collection letter from CMRE FINANCIAL SERVICES INC, dated XX/XX/XXXX, stating that, XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. I do not owe this debt. I do not recognize this claim ( {$1000.00} ) and I have not taken any service from this provider after XX/XX/XXXX. 

The last service I had taken from this provider was on XX/XX/XXXX. The claim ( {$2000.00} ) was fully payed by my insurance provider XXXX ( {$1800.00} ), and me ( {$200.00} ), and I do not have any outstanding bill. 

This is not the first time XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. They did it before on XX/XX/XXXX with XXXX XXXX for the above mentioned service. I tried to contact both the service provider and the debt collector that time, but did not get any response from any of them. 

Please help me resolve this repeated harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I just called to open up a dispute. And the young lady never said my card was going to be turned off. This is the only money I have access to PERIOD. This is absolutely ridiculous. She asked if anyone else has access to my card. I answered no. I explained I wanted to open a dispute because I placed and order. Paid almost a XXXX to get delivered in 3 days. It's now 7 days. She never once said. My card was being deactivated. Understand I have not one dollar. All my money is on this prepaid card with NetSpend XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/22

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 2020-04-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$0.00}, {$5700.00}, {$0.00}, {$4100.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Transunion had my previous score a month ago at XXXX. It now has been dropped to XXXX. A 140 point drop. And they can give no explanation why. Transunion needs to be investigated for unlawful manipulation of credit scores. In a time where people could use some help these people don't give a XXXX about no one but themselves.

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 2022-04-13
Company: EQUIFAX, INC.
State: PA
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$0.00} / XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C 1681. 
XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX : Acc # XXXX XXXX XXXX, XXXX : Acc # XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedate the report by more then seven years.

15 U.S.C 1681 s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filling a complaint against Equifax because they violated section s.1629e ( 8 ) of the debt collection practices act. Which clearly states that any information know to be false, can not be reported to any credit bureau, I request that you immediately delete this information from my credit reports. A credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

I sent a dispute letter demanding verifiable proof to an unverified account on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response from Equifax. First violation of the FCRA s.1629e ( 8 ). 

I sent a 30 day non response letter enclosing a copy of the original letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The non response letter was sent on XX/XX/19 and arrived on 10/3/19.The 30 days passed and I did not receive any response from Equifax. Second violation of the FCRA s.1629e ( 8 ). 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 


The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

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