BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Paypal Holdings, Inc
State: AL
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 XXXX, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I believe this action may have been a result of a misunderstanding or error. 

I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action against my account. I value the trust and integrity of the PayPal community and would never knowingly jeopardize that. 

In light of the above, I kindly request PayPal to reconsider and reinvestigate my case thoroughly. If any discrepancies are found or if there has been any misunderstanding, I request that my account be reinstated. The ability to use PayPal is essential for my financial transactions, and its suspension has caused considerable inconvenience. 

I genuinely appreciate your attention to this matter and kindly ask for a prompt review of my account 's limitation status. I look forward to a fair and just resolution that would allow me to continue using PayPal for my financial needs. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I needed to unfreeze my credit reports so the Bank XXXX  XXXX XXXX in XXXX could process a land loan application for me to buy property there. I was able to unfreeze the XXXX and XXXX reports. The Experian unfreeze process is completely automated and their website would not accept my logon credentials. When I tried to reset them the application notified me it was sending an email to an address that was not mine. There was also no way to interact with a person at Experian by phone or by email ; the only access to them was via a letter to be sent to a XXXX XXXX in XXXX 

I XXXX a letter to Experian explaining the problem and providing contact information so they could respond to my request. XXXX confirmed delivery but there has been no response to date and I have had to discontinue the loan process since the bank was not able to access all of my credit reports. A screenshot of the automated response sent to someone else 's email address is attached. A dated copy of my letter to Experian is also attached.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 have already contacted the creditors who report these Inquiries that I do not recognize and are fraudulent and have already been reported to the fraud department. These are the fraudulent Inquiries : XXXX ( Bank ) XXXX XXXX  ( Bank ) ), XXXXXXXX XXXX XXXX XXXXXXXX ( Bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion has been blately ignoring my dispute for a year now against a Child Support Derogatory that's been hindering my livelihood for 8 years. I never gave written, verbal or digital instructions as it relates to this Derogatory, for Transunion or XXXX CHILD SUPPORT to communicate or report anything on my Consumer Report which is a Clear violation of my Consumer Rights Title 15 U.S.C. 1681b ( a ) ( 2 )... I was never notified by Transunion or XXXX CHILD SUPPORT of the fact that a public record was being placed on my Consumer Report which has created an adverse effect on my employment status ( another violation of my Consumer Rights Title 15 U.S.C. 1681k ( a ) ( 1 ) )... I've been told by an employee of Transunion that I should just wait for this inaccurate information to fall off of my Consumer Report within its 8 year of being reported and the employee also stated that the company has been ignoring my letters of dispute purposely under the impression that I was not myself and I had a professional assisting me with my dispute without verbalizing such claim. The fact that their misusing my identity while reporting inaccurate information " which is another violation of my Consumer Rights '' Title 15 U.S.C. 1681e ( b ), is absurd! this is clearly Identity theft as well as a host of other violations that I can go on and on with and I do intend on exercising my Consumer Rights Title 15 U.S.C. 1681n ( a ) ( 1 ). Also, Transunion has blocked me from making a dispute on their website..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent out 3 letters to each credit bureau, XXXX, XXXX and Transunion. I requested to have 3 particular accounts removed from my credit report, since they were not reporting 100 % accurate information. I made it clear that, reporting laws ensure that bureaus report only 100 % accurate credit information. 

I requested that the information be investigated and DELETED if not fully validated and that I wanted to be provided with proof of the alleged items, especifically the contract/terms with my wet signature. 

I received a response only from Transunion and XXXX bureau, but not XXXX. 

XXXX and Transunion provided me with feedback within 30 days, but failed to provide me with the verification and proof of their investigations. 

On XX/XX/2023 I sent out a second round of letters to each credit bureau in hopes of being provided with a full description of the investigated task of my disputes. I also sent 3 more follow up letters on XXXX XXXX XXXX 

I mentioned that sending out a generic form through the e-Oscar system for the dispute is not reasonable, and that I wanted a full validated investigation with details on how you verified this ( names of people you spoke with and contact numbers ). 

However, I never received a response from neither credit bureaus ( XXXX, XXXX or Transunion ). I have not received a response in over 30 Days.

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 2023-06-09
Company: EQUIFAX, INC.
State: OK
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We currently have a mortgage serviced by Select Portfolio Servicing. When we purchased the home in XXXX, we had an FHA loan. ( Deed of Trust attached ) Since the CARES Act provided for relief for FHA mortgages in the form of forbearance for those affected by COVID 19, we contacted Select Portfolio to apply for the forbearance program. We were told by Select Portfolio that this was no longer an FHA loan. We contacted the FHA servicing center and were told that the loan was " satifisfied '' in XXXX. This was done without our knowledge and consent. By changing our loan from an FHA loan we are no longer offered the protection that an FHA loan provides. This places us at a significant disadvantage in our attempts to modify our loan and remain in our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Incorrect information 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 explanation
Consumer complaint received 2022-10-06
Company: Cottonwood Financial Ltd.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe I am an " Affected Consumer '' as described in the Consent Order in CFPB File Number XXXX - In the Matter of Cottonwood Financial Ltd. XXXX XXXX Cash Store. In short, I obtained a loan from the Cash Store in 2018 and was making payments, but without notice the Cash Store closed its store where I was making payments, and did not provide any notice of the closing of the store or where to make my payments after the store closed. I was willing and able to make payments but did not know where I should make payments, and as I said, did not receive any notice of the closing of the store or where to continue making payments. A few years go by without any notice from the Cash Store, then suddenly another company, including perhaps XXXX XXXX or its predecessor in interest, begins calling me, my friends, and my family threatening being arrested and a lawsuit. Not once did they indicate what the debt was or to whom it was owed. They just continued to harass me and my family, making threats of being served and going to jail. When making calls to my friends and family, the company disclosed of my alleged delinquent debt. 
Then, as of XXXX of this year, I was sued by XXXX XXXX, a case still pending. I believe I have a claim against XXXX XXXX or its predecessor in interest for the above unfair collection practices. As described in the XXXX XXXX of the above XXXX XXXX. XXXX, I believe my current case is a " XXXX XXXX XXXX '' because it's based on the same facts as described in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 contacted XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.

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 2022-02-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A while back I signed up with XXXX  For phone service and signed an auto pay getting a new phone nothing special Was never told that there was a charge For this phone of {$7.00} a month which I discovered after having the service over a year cause I was not happy with the phone and exploring the possibility of getting a new phone. 
I was told that there was no promotions At this time, I tried again after two weeks with no results, when I got my next bill from XXXX I noticed the bill was {$10.00} extra and there explanation was charging me {$5.00} for every inquiry to the matter that's when I decided to move my services with 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 2023-09-06
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have no clue who XXXX XXXX XXXX is and where they are located. I have not been to a Dr . Prior to this month for at two years. Was questioning if this bill really could be for me? Did not pay because I really have no clue what this for.. need more info

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 2022-10-06
Company: Experian Information Solutions Inc.
State: MO
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:
Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
Account info Account name XXXX XXXX Account numberXXXX It has been more than 45 days with no investigation on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: GA
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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific inquiries in my document coming about because of the wrongdoing. The inquiries I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-09-04
Company: TD BANK US HOLDING COMPANY
State: IL
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:
In accordance with the fair credit Reporting act, this company has violated my rights.

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 an 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 2023-05-25
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:
In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove the ones listed on the FTC report as well 15 USC 1681 section 602 A 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 non-monetary relief