BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
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 Service, I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for several years, and I have always abided by the terms and conditions outlined by PayPal. I have never engaged in any suspicious or fraudulent activities, nor have I ever violated any of PayPal 's policies. 

Therefore, I was shocked and dismayed to receive notice that my account had been permanently limited. I strongly believe that this limitation has been placed by error and I would like to ask PayPal to re-investigate my case. 

I respectfully request that PayPal takes a closer look at my account and any associated transactions to verify that I have not violated any policies. I am confident that upon review, you will find that I have acted in good faith and that there has been no wrongdoing on my part. 

Furthermore, I would like to kindly request that if PayPal finds no evidence of any wrongdoing, that my account be reinstated as soon as possible. I rely on my PayPal account for my day-to-day transactions and it is important for me to be able to use it without any restrictions. 

Thank you for taking the time to review my case. I hope that PayPal will reconsider the limitation that has been placed on my account and that I will be able to continue to use my PayPal account without any further issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
Dear PayPal Customer Service, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal account email address is XXXX Firstly, I strongly believe that this limitation was placed in error, as I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have never engaged in any fraudulent or illegal activities. Therefore, I respectfully request that PayPal re-examine my case and consider restoring my account. 

Secondly, I would like to emphasize that I have always complied with PayPal 's policies and guidelines. I have never engaged in any activities that would warrant a permanent limitation on my account. I have always provided accurate information and have always conducted my transactions in good faith. As such, I am deeply troubled by the limitation placed on my account and would like to ask PayPal to review my account history to confirm that I have always been a responsible PayPal user. 

Lastly, I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I value the services that PayPal provides, and I would like to continue using them in the future. Therefore, I would greatly appreciate it if PayPal would reconsider my case and restore my account. 

Thank you for taking the time to review my appeal. I look forward to hearing back from PayPal soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX refused to correct the payment history please see 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 explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
On XX/XX/2022 I submitted a dispute concerning reporting of all three credit reports not showing on my XXXX account. I was unable to see all three because of information not matching on the reports. I was told to fax over information from both Equifax and XXXX showing the most recent reports and to send over personal documentation. I have done so a week later. I am still til this day not able to see all three reports on my XXXX page. I would like to get this matter resolved as I have done all I was instructed to do on my behalf. Please assist in helping me be able to see my reports. The complaint numbers for each bureau are as follows : XXXX- XXXX, Equifax- XXXX and XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-07-19
Company: General Motors Financial Company, 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:
GM Financial has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with GM Financial was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL XXXX BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Bread Financial Holdings, Inc.
State: CA
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 # XXXX, 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
I had my identity stolen twice in 2018 which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX & XXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.

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 2019-06-14
Company: Performant Financial Corporation
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Previously, I filed a complaint with " XXXX XXXX XXXX '' but after  subsequent letter in the mail, I have the real debt collector regarding my student loans. This is the debt collector, " Performant Recovery '' located in XXXX, CA. 

Letter states, dated XX/XX/XXXX a student loan has been referred to " XXXX XXXX XXXX. '' This letter specifically states that " Federal Regulations require that we inform you that our client may elect to administratively garnish your wages.. '' Let 's recap. I've been unemployed on and off since XX/XX/XXXX. I have been unable to secure full-time work since. This type of predatory debt collector, who, is in another state sends me a threatening letter about either ( 1 ) single student loan or multiple loans stemming from unknown creditors and not record of being contact to defer payments or explore further option. This predatory collector just thinks a recipient is going to be financially taken advantage of for a large balance no one could possibly pay off and have no hard copies from the original student loan creditors, nor an explanation how they came up with this number. I have the letter scanned to send as proof. 

Collector name on the letter is " XXXX XXXX '' which matches the name of the person that phoned two family members within minutes of each other. On XX/XX/XXXX this person called a brother and sister-in-law. Asking for me. This practice is unsavory and predatory.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had my identity stolen XXXX in XXXX which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.

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 2020-10-16
Company: Experian Information Solutions 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 these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, XXXX, XXXX  Account : XXXX Amount : {$0.00}, XXXX   Account : XXXX Amount : XXXX Experian Account : XXXX Amount XXXX .This account is not mine XXXX XXXX  XXXX, Date XXXX XX/XX/XXXX, Experian Account:XXXX  : Amount XXXX {$1000.00}, XXXX  Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit

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 2023-06-19
Company: Upstart Holdings, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I keep getting emails addressed to someone with a different, but similar, name who has apparently taken out personal loans with a company called Upstart, which I believe is an online loan service. I presume our email addresses are similar. I am not, nor have I ever been, a client of this company. 

I have twice called this company to tell them that they are using an incorrect email address and that I am receiving notices intended for their client. These emails divulge the amount of the loans, the amount of the monthly payments, the length of the loans, the loan account number, the name of client 's bank from which the payment will be drawn, and the last four numbers of the bank account from which the payment will be drawn.

Despite my twice letting the company know in telephone conversations that it is divulging sensitive information to someone who has no right to it, they have not addressed this issue. It may be that their client and I have similar email addresses, but the address should have been verified before they began using it. Clearly they did not.

I am concerned that this company, UPSTART, is not taking appropriate care with its clients ' information. I know far more about this stranger and her financial dealings than I should. Please look into this. My understanding, based on a small amount of research, is that much of the client interface with UPSTART is AI generated, thus it may be difficult for them to find and/or correct mistakes of this nature.

To repeat, I am not a client of this company, but I am receiving information for/about one of their clients, and I have no right to that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Equifax Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. There is definitely an error with their part. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
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 Pentagon Federal Credit, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2018-04-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/17 XXXX XXXX appeared on my personal credit as a collection account for {$680.00}. I have not opened an account with this company and do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: OneMain Finance Corporation
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation