BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LATE PAYMENT DISPUTE They're late payments reporting to my consumer report that are damaging my report. 

According to 15 US Code 1681a - " Definitions ; rules of construction '' ( Exclusions ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There should be NO late payments reporting as that is considered a transaction or experience. 

Under this Code you are in VIOLATION and if not removed will be fined {$1000.00} per late payment violation via Arbitration. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Paypal Holdings, Inc
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
My paypal account was permanently limited by Paypal on XXXX. I have contacted Paypal several times, but customer service department could n't explain to me why it was limited since it was done by another department. I have over {$3000.00} in the account and could n't be transferred to my bank account due to limitation. Paypal said that it will be held for 180 days. I dont think that it is legal to hold the money for that long time without proper explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal, I am writing to submit a complaint and appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake and I have not violated any PayPal policy. 

I have been using my PayPal account for several years now without any issues, and I was surprised to learn that my account has been permanently limited. I have always conducted my transactions in accordance with PayPal 's policies and guidelines, and I have never engaged in any fraudulent or suspicious activities. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand the importance of maintaining a safe and secure platform for all users, and I assure you that I have no intention of using my account for any unlawful or unethical purposes. 

I kindly request that you provide me with specific details regarding the reason for my account limitation, so that I can address any concerns or misunderstandings that may have led to this decision. Additionally, I would appreciate any assistance you can provide in resolving this matter as quickly as possible. 

Please note that the email address associated with my PayPal account is XXXX. I look forward to your prompt response and thank you in advance for your assistance. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A wedding ban was purchased XX/XX/XXXX from XXXX XXXX, first biweekly payment made XX/XX/XXXX. Final payment made XX/XX/XXXX. Credit report pulled last summer which shows inaccurate information being reported. Identity theft has been filed, fraud alert placed with all 3 credit agencies. Deletion report came back and has been attached. A few months ago my ex received a visit from a woman exposing XXXX XXXX as the company and inform my ex of a judgement being placed. Just last month, a woman approach another address looking for unknown female. She was advise, person doesnt live at this address. She came back on another occasion and approached an ex inside a vehicle asking for the same person again. She returned and reached the homeowner who threaten to call the cops if she comes by again for harassment. The security cameras shows the woman came back again, ring the door bell and taped a letter/note on the door and left. Home owner comes home from work to a letter stating all personal credit information for someone who doesnt live in the home. The information got expose amongst the entire family because he brought concerns that I was unaware of. This information has been posted on social media as well. My consumer rights has been violated by this debt company. XXXX XXXX XXXX, Sterling Jeweler and XXXX XXXX has violated the FDCPA. Ive been accused of a purchase I didnt make. Ive attached proof of purchase that was made and payments made to pay off. Ive attached deletion from XXXX XXXX   and other companies from the identity theft. Ive suffered a huge embarrassment with this false exposure when Ive followed the steps of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX LATE PAYMENT IN 2022. The Remarks. Amount past due {$270.00} XXXX XXXX XXXX  PAYMENT IS INACCURATE 60 days late Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: CT
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 this creditor has violated my rights in 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I found XXXX, XXXX pesos bills while cleaning out my garage. I didn't know where to exchange them or their worth and asked several people. I was told to try BBVA. I went to one branch and was told they would exchange the pesos at 19 %, approximately  {$1500.00} US dollars, but only if I had a checking or savings account. I was told by a teller that I had to have a {$25.00} deposit to open an account and the pesos would be exchanged and the funds would be deposited into that account. I left that branch to think about it. After a couple of hours, I went to a different branch closer to my home and was told the exact information from two tellers. I opened a savings account and received a receipt for the pesos with the buyback quoted at XXXX. The next morning, I received a phone call from the bank stating that I wouldn't receive the exchange. I was told that the two tellers at the second branch and the original teller all made a mistake and I could pick up the pesos and I could keep the account I only opened to exchange the pesos open. After I questioned why I was told the pesos could be exchange if I opened an account with a {$25.00} deposit, I was told the account could be closed at no charge or fees. I feel that I was scammed into opening a savings account and mislead. I have a receipt with the quote for the pesos at an approximate amount of {$1500.00}, which is what three different tellers at two different branches told me, and now the bank refuses to exchange them. The receipt does say the rate quotes are subject to change and are only an indication rate. But the rates didn't change. I gave the bank my money to open an account I didn't want and told to pick up the pesos. After arguing with the branch vice president and president, I was told I would be called back the following day. I have been playing phone tag with them since. I feel that this is a serious and important issue and that I'm being ignored and swept under the rug, hoping I'll go away. I would like the account I never wanted closed, my {$25.00} returned, and an explanation for why the bank won't honor a collection receipt for the exchange of the pesos, as promised by the three tellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
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 fraud alerts or security freezes

Complaint:
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!

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 2023-11-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had sent out my first letter to Experian on XX/XX/22 to try and remove some incorrect information on my credit report. From then until now I have sent 7 more letters to them and have not seen any change in my credit report. I have repeatedly received letters and emails stating that they think I'm using a third party to dispute for me. I find this very insulting because I do not need to hire someone to send letters for me. I do not believe that Experian is actually investigating what I am sending them since there is nothing being done.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2022-11-21
Company: Financial Data Systems
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My dispute is regarding : Financial Data Systems XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX Early XX/XX/XXXX Financial Data Systems XXXX XXXX XXXX XXXX, XXXX, and XXXX to report me for collections as owing {$90.00} in XXXX XXXX. They claimed that they sent me a notification regarding this debt in XX/XX/XXXX. I NEVER received any notification about this {$90.00} debt. The first I heard of it was when I was alerted of the collections on my credit report. 

Upon being made aware of this debt I immediately disputed it with all 3 credit bureaus. Both XXXX and XXXX removed the debt within 48hrs of my dispute. However, XXXX refuses to remove the debt. They state that " we have verified that this item has been reported correctly. '' Which is not true. This company never alerted me to this debt prior to putting me in collections. 

I called the company the week of XX/XX/XXXX. According to them the debt was from a service at XXXX XXXX XXXX in XX/XX/XXXX and they sent me a notice in the mail. Only 1 notice in XXXX, that's it. They never called me. I did not receive this notice at all. I believe they are lying. I gave the representative my phone number to have them call me back. No one called me back so far. I also filed a dispute with the company. I requested a dispute ID number so that I can call later to check the status. The representative said they don't have tracking numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Have a fraud report number XXXX. Involving XXXX   account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX XXXX. Removed by other CRA s. Review Documentation, fraud accounts must be removed ASAP according to FCRA guidelines.

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 2023-03-20
Company: EQUIFAX, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have called my new student provider Aidvantage, to correct my monthly payment now that my loans were transferred to them from XXXX. I keep getting letters that my monthly loan payment is ~ {$1500.00} however they keep failing to add my wife 's loans which brings my payment to ~ {$1200.00}. I have called several times to get this corrected ( three times between end of XXXX and XX/XX/2022 ) and I keep getting told all is fixed but then get the same letter with the incorrect payment. 

I would like this to finally be corrected, but better yet, feel that if Aidvantage can not get this right, there are probably many other cases like mine out there. This leads me to believe Aidvantage is not prepared or well equipped to handle/service student loan payments. 

I don't know what else to do considering payments restart in a two months and am afraid they will not get it right and it will set us back financially. 

I was told it was the Department of Education because they keep saying she does not have loans. As you can see in the letters attached, I have been given many monthly payments from ~ {$990.00} t0 ~ {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

XXXX XXXX - Account XXXX This account is incorrect. 

Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.

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 2022-11-21
Company: EQUIFAX, INC.
State: MS
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:
I am requesting that these unauthorized inquiries be removed. I followed the fraud procedures for Equifax and they did nothing. I have fraudulent inquiries on my account that are affecting me getting credit. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accounts on consumer report that should not be. Please see the attachment. Previously submitted complaint on, refer to complaint 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 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 and 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 2023-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 
( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing this complaint in response to the permanent limitation that was placed on my PayPal account, which has caused significant inconvenience and financial distress. I would like to appeal this decision as I believe it was placed in error. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or terms of service. I have always ensured that my account activities are in compliance with PayPal 's regulations and have never engaged in any fraudulent or suspicious transactions. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I kindly request that PayPal re-investigates my case and provides me with a detailed explanation of the reasons behind this limitation. I am confident that upon further review, you will find that there has been a misunderstanding, and my account can be restored to its original state. 

Lastly, I would like to highlight that my PayPal account is essential for my daily financial transactions, and its limitation has caused significant distress. I kindly request that you expedite the review process and restore my account as soon as possible. 

I appreciate your understanding and prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] PayPal account email address : XXXX XXXX

Company response to consumer: Closed with explanation