BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Paypal Holdings, Inc
State: OR
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 Support Team, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to you regarding a pressing issue concerning my PayPal account associated with the email address XXXX. Recently, I have been informed of a permanent limitation placed on my account, which I firmly believe may be a result of an error. 

I am deeply concerned about this development as it has significantly affected my ability to carry out transactions, hindering both my personal and business engagements. Since I am confident that I have not violated any of the terms and conditions stipulated in the PayPal User Agreement, the limitations placed seem unwarranted and I kindly request an immediate review of this situation. 

Over the course of my account 's lifespan, I have always ensured compliance with PayPal 's policies and rules, maintaining the highest level of integrity in all my transactions. I am therefore genuinely perplexed by this unexpected restriction on my account and would appreciate a comprehensive re-examination of my account activities leading up to this decision. 

In light of the above, I earnestly appeal for the restoration of my account 's full functionality. I trust that upon a thorough review, you will find no breaches of policy on my part, and the restrictions will be lifted. 

I am eager to resolve this issue at the earliest convenience and would be grateful if this matter is escalated to the appropriate department for a swift resolution. I am ready to cooperate fully and provide any additional information required for the investigation. 

Thank you for your prompt attention to this matter, and I am hopeful for a favorable response. 

Best Regards, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
COVID-19 has made it very rough for me financially. I have been doing what I can to improve my credit with the objective that I can move toward more resources and more assets. I am experiencing remarkable difficulty arriving at Equifax and endeavoring to address certain information on my credit report. Equifax has extremely poor correspondence, I didn't get a phone call, email or, mail, nor are they affirming the information I am challenging. In view of the negligence of the credit organizations I have not had the option to push ahead to quiet a segment of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no reaction. I want to have these issues examined and settled as fast as could reasonably be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Their investigation did not fix an error on your report

Complaint:
The company, Equfiax, stated it conducted an investigation regarding my complaint. Please upload the investigation report citing the contact information utilized to verify and authenticate the unauthorized credit inquiries. According to 15 USC 1681a ( XXXX ) Exclusions. ( i ) - any transactions or experiences reported on my consumer report, requires my permission. Credit inquiries is considered an experience. Do you have my permission to keep the unauthorized credit inquiries on my consumer report? Please remove all credit inquiries cited in the FTC report I've uploaded immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Investigation took more than 30 days

Complaint:
I AM XXXX XXXXEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

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 2020-03-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In ac cordance 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. The letters are stated with items and issues. 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 th at 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 2022-03-25
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
There is a long list of complaints with CFPB I have submitted about this case. 
They keep calling!! 
SEE ATTACHMENT SECTION for explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents.

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 2022-11-08
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I open up a new account with XXXX XXXX XXXX and closed the account inactivated within the 10 days period. I dealt directly with the manager. All devices was return to the XXXXXXXX XXXX location and all monies refunded to my XXXX XXXX card except for {$280.00} that XXXX still owes me. I started getting bill for devices of {$260.00}. Then the collection agency started calling. The the amount got reflected in my credit report. In XX/XX/XXXX it appears that all got resolved except the refund of the {$280.00}. The item was removed from my credit report. XX/XX/XXXX I received a call from a new collection agency for the same amount. I explained the entire situation to the man on the phone. Less than one week later the amount was replaced back on my credit report and my credit score fell. I am in the process of apply for a loan and this can affect it. 

I am requesting for an investigation as to what is going on at XXXX and the collection Agencies for this to continue going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ENHANCED RECOVERY CO L IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND ENHANCED RECOVERY CO L IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. ENHANCED RECOVERY CO L is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SECURITY FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to XXXX, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. 

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. No idea who these companies even are : *SEE ATTACHED DOC* Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries. 

Please provide me with the outcome of your thorough investigation within 30 days of receipt of this letter. I am sending this letter certified mail, with return receipt requested so that I will have documented proof and confirmation of delivery of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am having issues with disputing a fraudulent account that was opened in my name. This is my second time reaching out to the CFPB as my issue was never resolved. An account was fraudulently opened in my name in XXXX. This account was opened using a Variation of my Legal name and not my XXXX XXXX. Yet XXXX one refuses to investigate or remove this account from my ownership. I have filed a police report, XXXX of XXXX theft, and multiple disputes with the bank itself but XXXX XXXX still responds via mail stating that they have conducted an investigation and are attaching the evidence. The evidence they attach is the monthly statements from the fraudulent account opened using a variation of my name. The account was opened using the name XXXX XXXX. That is not my Legal Name, my Legal Name is XXXX XXXX XXXX. They refuse to acknowledge that this case is fraud and will not budge. I need assistance in having this account removed from my records. I had an XXXX XXXX XXXX from XXXX when this credit card account and another credit card with XXXX bank were opened in my name. XXXX bank completed an investigation and confirmed that I did not open the account. I am not sure why XXXX XXXX thinks that the account transactions of a fraudulent card serve as proof of ownership but they do not. I can prove I was working as a XXXX XXXX  XXXX XXXX during the times of all the transactions they are claiming are mine. They refuse to reopen the case. I have contacted them most recently as XX/XX/XXXX, where I spoke to an representive named XXXX ( XXXX ID : XXXX ). He stated that they will not reopen an investigation into this case. When I asked to speak to his XXXX, he stated that he doesn't have a manger and that he is the end line of communication for me. He stated the investigation is complete and that they can not reopen the dispute due to the Fair Credit Reporting Act not allowing them to. This does not make any sense to me. Please assist me with resolving this matter. Acct number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/2022 I mailed a letter to TransUnion and XXXX informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.

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 2021-03-29
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint about this mortgage company. My original mortgage was sold by XXXX XXXX to SLS Mortgage and has been a nightmare because SLS Mortgage is so incompetent, no one can answer any questions or give a legitimate reason for any wrong transactions that they do. Two months ago I received a letter stating my mortgage went up from $ XXXXmonthly to over $ XXXX monthly which is due because of an error that SLS mortgage made, they are saying that I have a {$3000.00} shortage which I have never had in the history of my mortgage. I contacted them, stayed on the phone for 1 hour and 40 minutes being transferred from one department to another and no one could understand or resolve. The problem is they paid my homeowners insurance twice in XXXX and I was also paying, I had contacted them and told them that I was paying my own homeowners insurance because I do not trust this company. However, they made a payment on XX/XX/XXXX for {$1600.00} and on XX/XX/XXXX they paid an additional {$2100.00} for my XX/XX/XXXX homeowners insurance which is not due until XX/XX/XXXX, who does that? What reputable company would do anything like this? Why would I want to pay my homeowners insurance before it is due? No one seems to understand that they have made a mistake and keep telling me my Escrow is short. I contacted XXXX XXXX which is my homeowner 's insurance and ask them to return the payment to SLS Mortgage which they said that they would. 

Also, I had been paying monthly deductions for my homeowner insurance from my bank account so I don't understand why they would pay any of it at all. When I changed insurance SLS called and asked if I had homeowners and I stated yes, I am paying it myself because you all are incompetent so please do no pay. Now, my mortgage account is calculated wrong and in a mess and I have continued to make the payment I was making before the increase and they don't want to understand and correct their mistake. My account has been current and paid on time until this fiasco. I don't know how they are license to still be in business, this is a crooked operation, and all the reviews on their website are only negative reviews. Can someone please investigate this bootleg company? No one you speak to can explain anything, why should I have to call XXXX XXXX they made the mistake and that should have been the first thing that was done and they made the payments with a credit card, what company does that? Can you all do an investigation on SLS Mortgage because this seems to be a sure way to take my home in foreclosure since they are asking me to pay an additional {$2200.00} in escrow shortages? 
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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: OLIPHANT FINANCIAL, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Oliphant Financial continues to contact me and harass me in regards to account # XXXX. I am a victim of identity theft. The account is a fraudulent account. I have never applied for a personal loan from XXXX. The account is the result of identity theft. The account is not mine and dont belong to me. I been receiving harassing and threatening phone calls from Oliphant Financial Represenatives. The representatives have used abusive and profane language and threaten me with wage garnishment, arrest, jail and prison time for a fraudulent account thats not mine. This a clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NJ
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 sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: MA
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:
According to the 1970 FCRA these unverified and Unauthorized Accounts must be removed ASAP.

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