BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: EQUIFAX, 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 fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2023 i was attempting to use my Paypal debit card and was declined. When contacting customer service was told by live agent that she was not able to disclose any inforamtion to me. When checking email, notified on XX/XX/2023 at XXXX XXXX, they sent an email stating i could no longer use this account and my money would be held for 180 days and then i would be sent an email as to how to tranfer remaining balance. I had just got paid and have a cash balance of XXXX but can not access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX spoke with a XXXX at XXXX extension XXXX at XXXX XXXX. She could not locate this debt yet it combined with other medical bills in collections I am paying one. asked about a {$450.00} bill for date of service of XX/XX/XXXX. I worked for my pcp at this time. There are no orders for any testing on that date or around that date. 
I would like this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, a fraudulent charge of {$39.00} appeared from the company XXXX. I have never had any business with this company and other individuals online have reported this same issue of unauthorized charges from this company appearing when they have never purchased anything. I tried calling this company but there is no real consumer service, just a recording where you are disconnected. The card issuer seems to be in this scheme with them as for both disputes, I was told I was responsible for the charges. I have also had this card replaced, reporting it stolen. I contacted agents twice at the card issuer and was told it would be handled but clearly they lied to me. When did American Express become an enabler of credit card fraud? They treat their loyal customers as the criminals, not scam merchants with a long online history of engaging in this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Home American Mortgage Corp
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We had applied for a XXXX  loan everything was going great came to the final week where they got a presentation for a house and ready to set the closing date. Then the mortgage company had the XXXX  assessor come by in the assessor did not include the pool on the work order that was going in. So the assessment came in at XXXX and the loan amount was for XXXX. Now the mortgage company is saying the XXXX  is not responding to the request for an addendum and it is now XXXX weeks past the date were supposed to close and we are still in limbo. We dont know where else to turn to get the answers on why its taking so long for either the XXXX  to respond or for the mortgage company to set a close date. Thank you

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-01-06
Company: Experian Information Solutions Inc.
State: WA
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:
I sent Experian a dispute letter on XX/XX/XXXX to delete erroneous information on my Credit report which included, employers, addresses, spouse, names. I received an email notification today XX/XX/XXXX at XXXX XXXX stating that they received my dispute request and were going to start reviewing it. At XXXX XXXX on XX/XX/XXXX I received an email from Experian that my dispute was resolved. I provided all documentation that was required to show my current address, and name. All items that were disputed were not acknowledged.

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 2023-11-23
Company: Upgrade, Inc.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Upgrade has been making several unwanted calls to my number, the last calls were received today, XX/XX/22, from XXXX XXXX XXXX XXXX. Currently, my account is not past due or over limit, no reason for these calls. I request calls stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted 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 2021-01-18
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
There is old information showing on my credit reports regarding my student loan. I have 1 student loan yet, my reports show several loans. Most of which states closed, and there is a late payment remark which is incorrect. I need this fixed and adjusted expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: I.C. System, Inc.
State: GA
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:
Opened XXXX. XXXX, XXXX  ( XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX {$2000.00} Closed No 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 2023-03-30
Company: Experian Information Solutions 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2021-01-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance Owed : {$430.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance Owed : {$580.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

DP OF EDUC XXXX Balance Owed : $ XXXX Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX Balance Owed : {$460.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
Ford is reporting me late erroneously. I was never late with Ford Motor Credit. The lease began on XX/XX/2016, and I was marked late on XX/XX/2016 which was the first month that was due after the payment that was provided at the dealership Ford failed to send me the initial billing statement despite multiple phone calls to Ford to inform them that I have not received the bill. They informed me that the car is not yet visible in their system and assured me that the bill will be issued shortly. However, the initial bill was NOT issued, nor received, but yet I was marked late. Upon reaching out to Ford they informed me that the error will be corrected. It has been several years and the error is yet to be corrected. Please REMOVE THE XXXX day late on XX/XX/2016 As I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
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. 
FXXXX 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 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX Balance : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-06
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a letter from CrossCountry Mortgage LLC dated XX/XX/XXXX. It states my hazard insurance has expired. 
Regrettably, the statement that my hazard insurance has expired is not true. No hazard policy for this property has expired since my ownership. 

Enclosed is another copy of the Declarations Page for the hazard insurance for the above property. As you can see the Declarations Page clearly states it has been in effect since XX/XX/XXXX, and will remain in effect until XX/XX/XXXX. The Mortgagee is correctly identified as CrossCountry Mortgage, LLC, and the Mortgagee 's address is correctly listed ( along with the loan number ), as the lender required in the Hazard Insurance Endorsement Letter set forth in CrossCountry Mortgage 's loan documents. ( It appears that CrossCountry Mortgage has changed the loan number since the loan closed, however, I have received no notification from CrossCountry Mortgage LLC of this change. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am unable to complete payments as the site continuously crashes and I can't get through the process without the session reloading. It is awful and I am afraid that it will ding my credit if I am late due to their negligence. I tried to call and the phone line has 1+ wait times. Nelnet is fraudulent and has an insufficient website to manage millions of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Vargo & Janson PC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im going to state this again Im beyond fed up with XXXX and XXXX XXXX  and XXXX   XXXX. I have had funds taken from me while I was in school and filed complaints on here yet they claim they didnt know I was in school which is a flat out lie. I have multiple records from all my previous complaints. This has been going on for several years and no they will not get to garnish anything else from me .i have stated I didnt recognize these bills and someone has been able to get my information and was using it. They used it to buy things in my name including phones this is reported with the XXXX XXXX police and other fraud companies. I have now frozen my credit. I never had a card in XX/XX/2007. I do however think its absolutely ridiculous that these companies and collectors have continually bugged me for several years. No you will not get any more funds from me period go jump in a lake. I will fight this until all my funds are returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I transferred {$50.00} via Venmo to obtain the facial services. However, the merchant provided the fake address. I chat Venmo to assist me to dispute the transaction. Venmo had me to contact my financial institution XXXX XXXX XXXX. On XX/XX/2023, XXXX XXXX XXXX gave me temporary credit {$50.00} while they were investigating the transaction. On XX/XX/2023, XXXX XXXX XXXX reversed the {$50.00} and I called XXXX XXXX XXXX that this was a fraud transaction because the merchant gave me a fake service address. XXXX XXXX XXXX said that XXXX doesnt offer assistance for Venmo transactions. On the other hand, Venmo told me that for transaction $ dispute, I should contact my financial institution. Thereforethis brought me to file the complaint via CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had opened a paypal account in XXXX of XXXX the email associated with the account is XXXX my name is XXXX XXXX birthday : XX/XX/XXXX Last 4 of social : XXXX Phone number : XXXX or XXXX A few days after I opened it I had set up my unemployment claim to direct deposit my benefits to my PayPal account so I got a {$250.00} deposit on XX/XX/XXXX Paypal then decided to freeze my account due to problems with past accounts linked to me they permanently closed my account and told me they would email me when they have decided to release my funds but that they could legally hold my money for 6 months I submitted a previous complaint to the bureau about this and paypal responded and said my funds would be held for the full 6 months and that they would be available on XX/XX/XXXX they were supposed to email me but I havent received an email about it I sent an email today to their executive escalation department but havent heard anything I sent them a picture of their response to my previous complaint and I also sent them banking info where I would like my funds transferred too I am attaching their response from my previous complaint

Company response to consumer: Closed with explanation