BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: MA
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:
Another name is listed on my credit report. There is also a chase account that states it is overdue, but it belongs to this other person on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NC
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Paypal Holdings, Inc
State: NY
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 is holding my {$720.00} balance and won't let me have my funds. 
I have contacted them first around XX/XX/21. 
That initial day, I spent over 2 hours trying to get assistance over the phone. I spoke with the following Paypal folks starting at XXXX XXXX EST XXXX - Employee XXXX XXXX - Employee XXXX XXXX - Employee XXXX I have opened a XXXX  case, I have called multiple times. 
I have uploaded proof of the XXXX transaction that put that {$720.00} balance in my Paypal account. 

I have sent countless messages to Paypal and no one has been willing to call me or to release my funds to me and it's been months now. 

I have asked Paypal for the recordings of the phone calls and they haven't sent them. 

It's all been very frustrating. Paypal is keeping my money from a Phone sale for months and they won't even tell me why or communicate with me. I just get repeated vague and generic responses. 

I'd love some assistance and would really love my money. 

I have earned Paypal thousands of dollars over the years and it's mind boggling to be treated this way. 

I'm including a picture of the actual Paypal transaction where the buyer sent me the money for the phone. 
I'm including a picture of the XXXX transaction where the buyer gave me a positive rating. 
I'm including a picture of my XXXX rating which is stellar just to give a sense of who I am, how long I've been selling products and that I have an impeccable reputation. 

So what's Paypals ' beef with me? 

I don't think Paypal should be allowed to seize customers funds for no proven reason. 
I feel like they made me guilty without a trial and are completely unwilling to find a human on the Paypal side to communicate in a real way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collection account with  Portfolio Recovery. I have made contact by telephone and email to dispute this d ebt since  XXXX   XXXX ,  XXXX . I have continued to receive collection notices but never verification of this debt. I have requested verification of the debt in regards to the amount listed as owed since  XXXX   XXXX ,  XXXX . I was recently mailed a statement  XXXX  of  XXXX , with no additional information in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-05-18
Company: Paradigm Assets, LLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company in question is JHPDE Finance 1 LLC. I have never been contacted by this company, ever. I found out they had an open collections account on me from 2018 when I recently started paying off my debts. That account was sent to a civil court in VA for a judgement but was dismissed. Now, they reopened that collections account. Once again, they made no attempt contact me. I only found out through alerts from my credit monitoring service. I've tried calling them and they keep referring me to different departments, both whom insist they don't have my information in the system. None had my contact info or address. How is possible they are able to open a collections account on me when they never contacted me, or when they don't even have my account in their system? I painstakingly paid off all of my debts in the last 3 years ( over XXXX in debt ), and right when my credit was improving, these guys do this. To make matters worse, I am ready and willing to pay the full balance right now, but I can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}

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 2020-04-08
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 mailed via certified mail of several documents on XX/XX/XXXX to Ewuifax disputes. Included with documents were a copy of my driver 's license. This dispute is regarding the 2 fraudulent bankruptcies reporting on my credit report that I have never filed. XXXX  &  XXXX, filed with the XXXX Tennessee Bankruptcy Court filing dates are XXXX & XX/XX/XXXX. I have a current XX/XX/XXXX XXXX report that does not show or list these bankruptcies in my file, yet I'm being told on XX/XX/XXXX, my most recent credit report by Equifax stating, bankruptcies have been verified as accurate by XXXX. I've also received a recent letter from Equifax, stating, my documents were received, however there were no indentifying document regarding my identity, so they have disposed of the documents that I submitted. The date of this letter from Equifax was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Rausch Sturm LLP
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a credit card bill that went to Rausch Sturm LLP Attorneys At Law do to a law suit with a former company. I have been contacting them for the last 2 months asking for a payoff. My bank is giving me a loan and it is just waiting for the pay off letter. We have called repeatedly, emailed, the bank has called, I filed a complaint with XXXX  and all they said was they mailed me the letter, that was forever ago. The Rausch Sturm LLP Attorneys At Law company will not answer my calls now, the banks calls, or my title companies calls. I just want a pay off. They are cashing my payments just fine, but had stated previously that they did not have an account # for me. How can you cash a payment without an account # and it only takes a few minutes to give me a pay off. I am exhausted and time is running out for me loan to be able to close. 
Rausch Sturm LLP Attorneys At Law XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX WI, 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 2022-10-07
Company: Experian Information Solutions Inc.
State: AL
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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX  XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX I. XXXX XXXX, XXXX - # XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX XXXX - # XXXX 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 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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with XXXX, XXXX, and TransUnion and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over 30 days prior. That is a direct violation of 15 USC 1681. 

ATTACHMENTS XXXX Consumer Center ( 2 ) 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 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is my 9th request but no one seems to care. I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've been disputing an incorrect item on my Transunion credit report. I send my letters by certified mail and Transunion delayed the receipt of the letters each time by three weeks. I believe they delay acceptance of the certified letters so they can get around the 30 days maximum investigation time. Transunion sends me generic letters that say they verified and updated my account without investigating it at all and without even addressing my dispute. It's just a generic again and again. They have not only avoided a doing reasonable investigation of my dispute but they exceed the 30-day time limit as well.

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 2017-05-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1 ) I have Different balance amounts that are on my credit report.
2 ) Also I have late payments of 90+days being reported when they should 've been covered under forbearance or deferments I always applied for those when I was unable to pay.
3 ) I do n't know if the interest rate is changing but I can never   catch up to paying my balance off yet alone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had fraud on my bank account account so I had it frozen. TPS recovery services then sent me several notices for collection of debt that I do not owe.

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 2023-11-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I called paypal and told them I wanted to open up a paypal claim on a recent purchase I had made. I was advised that due to the nature of the case ( seller provided invalid tracking number ) It would be in my best interest to open up a claim with my bank first. I asked multiple times if my paypal account would be affected and I was told NO, Paypal and my bank would work together to find the best solution for me. Turns out since I paid with " pay in 4 '' my account would indeed be affected. The original 4 payments I had made ( 4 payments of XXXX ) were then removed from paypal as my bank was now holding it. Paypal told me the best solution would be to close the bank claims and re open them on paypal so I did exactly that. Canceled the bank claims and opened it on paypal. After a couple of days I won the paypal claim but the claim winnings were taken by paypal to reimburse them for the original 4 payments that my bank had held BUT I had already closed the bank claims meaning the funds were released back to paypal. So they have my original {$1000.00} and now an additional {$1000.00} from the claim winnings. Its been over 90 days since the claims were closed with my bank, it takes 45 days MAX for funds to be released to a merchant when a claim is closed with your bank. I provided withdrawal letters to paypal, did 3 way calls with my bank and paypal, did all I could yet Im still told that you guys dont have the money. I will be proceeding with legal action under the small claims court if Paypal does not release my funds. The merchant was XXXX XXXX, for the amount of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I was notified of a change in my XXXX XXXX by my credit card company. I investigated and found my bank had filed a " delinquent account '' for an unpaid overdraft of {$.00} ( Yes, XXXX XXXX CENTS ) My bank said they were unable to remove this themselves and I would have to contact Experian. 

I tried to create an account on Experian 's website, but their system erroneously said " User name can not include password '' no matter what I entered for a user name, thus I was not able to create an account. 

I tried calling Experian, but none of their phone options matched my desire to dispute an entry on my credit report, and none would connect me to an actual human or in any way offered a resolution.

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 2023-05-16
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TOPA EQUITIES
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
{$5.00} debit charges on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from checking account with a pending transaction on XX/XX/XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX is indicated as the payee. XXXX has confirmed by voicemail to me that no charges were initiated by them. This was conveyed to my bank, Citibank and upon their investigation declared the charges valid. No proof was offered. 3 charges were temporarily rescinded, but now Citibank is rescinding the return. I explained to Citibank that previously I had an account that paid utility bills with the name XXXX XXXX phone # XXXX XXXX XXXX, but it was terminated in XX/XX/XXXX. Citibank continues to charge {$5.00} each month

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 monetary relief
Consumer complaint received 2023-02-01
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 Staes 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 may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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