BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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:
To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has occurred due to a misunderstanding or an unfortunate error, as I have always strived to adhere to PayPal 's policies and guidelines since the inception of my account. 

I want to emphasize that I have not engaged in any activities that would violate PayPal 's terms of use or policies. The services provided by PayPal have been an integral part of my financial transactions, and I have always maintained utmost transparency in my dealings. This unexpected limitation has left me puzzled and distressed, as it goes against my track record of responsible and ethical account usage. 

I kindly request PayPal to initiate a comprehensive review of my case. I am confident that a closer examination will confirm my consistent compliance with PayPal 's regulations. It is my sincere hope that this appeal will lead to the restoration of my account 's full functionality. 

I understand the necessity of maintaining a secure and trustworthy platform for all users. I am committed to working closely with PayPal to address any concerns or issues that may have led to this regrettable situation. I genuinely value the convenience and security that PayPal offers, and I am eager to continue benefiting from its services. 

In conclusion, I respectfully ask for the opportunity to re-establish the trust that my account has previously maintained. I believe in PayPal 's commitment to fairness and justice, and I am confident that a re-evaluation of my case will demonstrate my dedication to upholding PayPal 's values. 

Thank you for your time and consideration. I eagerly await your response and the possibility of having my PayPal account reinstated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: RI
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 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. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-05-31
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 : 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 antedates 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: Experian Information Solutions 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 am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

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 2021-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2023-05-31
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle continues to harass me every week with requests to show homeowners insurance from XX/XX/XXXX-XX/XX/XXXX. I have been showing this information to them repeatedly since XXXX. I bought this home in XXXX, unfortunately it was sold to Dovenmuehle which is the most incompetent servicing company I have ever dealt with in 22 years of owning homes. When I purchased this home the underwriter failed to inform me of needing Hazard Ins. It went to closing and was approved with the homeowners coverage that is standard. Dovenmuehle bought it late XXXX and failed to inform me of there requirements until late XXXX so No I did not have Windstorm until XXXX because of not being informed properly of these requirements. I did follow there requirements and bought windstorm on XX/XX/XXXX that Dovenmuehle shows started XX/XX/XXXX. They harassed me about the back dated insurance charges for weeks. Finally they fined me XXXX and change for the months that I didnt have windstorm. Thought that would be the end of it. Nope still getting harassed with new letters asking for proof of coverage.. These incompetent servicers then screwed up my escrow analysis stating I have two insurance policies that are both XXXX and increased my monthly mtg payments to XXXX more a mth. Spoke w/supervisor and hopefully its cleared up. But doubt it with there history! Then they claimed I had lapsed on homeowners once for a few days. Charged me XXXX and change for that. Showed them the ins. Declaration page and they said it would be corrected. Still not! One thing after the next and they are just ready to slam the fines on you for there incompetence. It seems like they are in business to harass, bully, and try to get your home foreclosed. This should be illegal! If any attorneys want to take on this company I would love to join a lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7.  Company Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX **Re : Dispute of Hard Inquiries** Dear TransUnion, I am writing to dispute the following hard inquiries on my credit report : * XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX * XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize these inquiries, and I believe they are fraudulent. I have attached a copy of my credit report for your reference. 

Please remove these inquiries from my credit report as soon as possible. I look forward to hearing from you soon. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX **Attachment : Credit Report Screenshot, Photo ID, Social Security Card, Utility Bill **

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: SYNCHRONY FINANCIAL
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 have a lot of hard inquiries on my credit report I have no knowledge about. I havent made no consent for anything to be on my credit profile. 

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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-05-31
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 sent a letter out on XXXX XXXX to XXXX, XXXX, and Equifax. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Services is trying to collect a debt that is not mine for XXXX XXXX XXXX. They can not provide me with a signed contract as I have requested numerous times. The only thing they will send me is a bill that has my name on it and the amount they say is owed. They recently sent me a single piece of paper that literally only has my name, address, policy dates and amount they say is owed. Per XXXX policies an individual can not have an active insurance policy with them if they have a past due balance. They will cancel the policy and you can not get a new one until the other is paid. I currently have insurance through XXXX. The debt is not mine and I have repeatedly asked the credit bureaus to remove the account from my credit reports. They will not because they claim Receivable management has verified the account. The credit bureaus will not provide me with the documents they have to substantiate their claim that the debt is mine. The amount they are claiming that I owe is {$330.00}, and the policy number is 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 2023-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX XXXX  that should be counted once, T

her efore one of the two of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. _ Equifax DENIED me the right to dispute a Hard inqu iry by XXXX XXXX from Online services ( Please see above )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: XOOM CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I got an email from Xoom a XXXX money transfer service on XX/XX/XXXX XXXXXXXX XXXX, that there was XXXXXXXX XXXX transfer - ( Transaction # XXXX } made to XXXX to someone unknown to me. 2 minutes later I got another email that the transfer is complete. I checked the transaction history and found unauthorized transaction and called customer care immediately and reported. They did not stop the transaction even though the site says the transaction can be cancelled with 20 mins. I did not find cancellation button either as per the site. I raised a claim and they said they take 10 days for investigation. I also called my local XXXX XXXX XXXXXXXX and placed freeze on my account before the fund were withdrawn. 
Xoom kept trying to bill my XXXX XXXX XXXXXXXX account with XXXX $ multiple times as my bank kept rejecting it after 2 days. They also sent debt collection notice. Few days later they denied the claim saying my IP address was used on the transaction. 
I never authorized the transaction and I dont know the recipient. I also never got any communication when the recipient was added to my account. I did not get OTP for adding the new recipient. There should be more security measures in place to aviod scam or fraudulent transactions, Cancellation or holding the transfer should be in place incase of suspicious activity. I should not be responsible for this scam when I did everything I could to stop the fraudulent activity.

Company response to consumer: Closed with explanation