BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account with the email address XXXX. I believe this limitation was a result of a misunderstanding or mistake, as I am confident that I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I have been a loyal PayPal user for [ insert duration ], and I have always strived to use the platform in full compliance with its terms of service. I make regular transactions for both personal and business purposes, and I maintain the utmost transparency in my PayPal activities. 

The permanent limitation on my account has caused significant disruption to my financial activities and has created inconvenience for both me and my business partners. I kindly request that PayPal re-investigates my case thoroughly and with an open mind. I firmly believe that upon a closer examination, it will become evident that there has been a misunderstanding or error in the initial decision to limit my account. 

I humbly request that PayPal considers reinstating my account if the investigation supports this outcome. Restoring my account 's functionality will not only alleviate the inconvenience I am currently facing but also allow me to continue using PayPal 's services, which I have come to rely on for my financial transactions. 

I understand that PayPal takes its policies and security measures seriously, and I fully support those efforts. However, I genuinely believe that this limitation was placed in error, and I am eager to cooperate with PayPal to resolve this matter promptly. 

Thank you for your prompt attention to this appeal. I am hopeful that, upon review, my account can be reinstated, and I can continue to use PayPal 's services without interruption. I am ready to provide any necessary documentation or information to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX, Last 6 digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXX XXXX insurance took a while to pay theirs which was the balance of about {$5100.00}, and XXXX reported it as a missed payments 3 times. XXXX insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
XXXX has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when XXXX told me to stop all payments the moment my car was totaled. That was a 3 way call between me, my insurance agent and XXXX XXXX representative.

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 2023-07-06
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection notice and a report on my credit reports regarding a debt from FH CANN & ASSOCIATES INC. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Credit Corp Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute via XXXX asking for credit Corp solutions account # starting with XXXX to provide the following information to verify the account pay off disclosure interest disclosure balance history payment history credit insurance date opened & current balance none of these items were provided & Id like this removed off my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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 TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

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 2022-01-14
Company: Experian Information Solutions Inc.
State: TX
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:
I've been reporting these accouints XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022

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 2023-10-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I authorized my bank to pay XXXX XXXX {$9600.00} XX/XX/XX/XX/XXXX Transaction was done but then reversed when XXXX XXXX could not find account ( recorded on my statement as having occurred on XX/XX/XXXX ). Bank had given me wrong account number ( gave me savings account number when it should have been checking account number ). So the money was put back into my account. 

However, then with no request from XXXX XXXX for a payment, my bank, BMO, made an electronic withdrawal of {$9600.00} from my savings account on XX/XX/XX/XX/XXXX 

Green Sky never received this payment because BMO sent it to Fifth XX/XX/XXXX and not XXXXXX/XX/XXXX, the institution XXXX XXXX uses. 

I have talked to over 4 Resolution Team members at BMO and have not had the issue resolved. I have also talked numerous times with one particular XXXX XXXX resolution team member. It took me three weeks to even get BMO to give me a TR number, trace number, and transitioning number. They also gave me the institution they sent the money to -- XXXX XXXX Bank. When I talked with XX/XX/XXXX, my resolution team member informed me that XXXX XXXX does not useXX/XX/XXXX She also informed me that there is no record of XXXX XXXX initiating any payment to them from my bank on XX/XX/XXXXXX/XX/XXXX. They have received no payment from BMO. 
Thus, BMO transferred & XXXX from my savings account to an unauthorized banking institution ( XXXX XXXX ) without request from me or the banking institution ( XXXX XXXX ) they should have paid on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Diaz and Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ). Trying to collect on a debt that is XXXX years old. 
For XXXX XXXX : XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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 item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX -XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL 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 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am unsure of the timing, the creditor never reached out in any instance, if I paid it was because I was notified by XXXX XXXX. I moved several time in the last few years, so if I didn't receive it, could have been that reason. I found out recently through mortgage inquires on owing several of these, I asked them to take out of collection and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Fraudulent accounts still remain on my credit report after I disputed it and verified it was not me

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: Experian Information Solutions Inc.
State: MO
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:
I have added a credit freeze on my report since XX/XX/XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through XXXX XXXX XXXX breach and experiain information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up

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 2023-06-08
Company: FREEDOM FINANCIAL NETWORK
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am showing a $ XXXX loan from XXXX XXXX XXXX on my credit report. Additionally, my checking account has been charged in XXXX and XXXX of this year by XXXX XXXX  for {$440.00} ( the same amount my credit report suggests the monthly payment of the $ XXXX XXXX loan is ). I called XXXX to inquire about this with XXXX, as I have not borrowed any money since purchasing a home in XXXX and obtaining a mortgage through XXXX XXXX. That mortgage has since been paid off. XXXX representative suggested that this loan was used to pay off an XXXX Credit Card held through XXXX XXXX in the amount of {$8500.00}. XXXX Card number XXXX. I have never owned an XXXX Credit Card, and own no XXXX products. XXXX suggested that in addition to this, a {$1300.00} check was sent to XXXX XXXX XXXX XXXX, XXXX, XXXX - payable to XXXX XXXX. I am named XXXX XXXX, however I live in XXXX  and have never been to XXXX in my life. Upon sharing all of this information with XXXX, they advised they had opened a fraud case and had sent the info to the email address on file. When I suggested I'd never told them my email address, they suggested its the one that ends with XXXX. I advised that is not my email address, and pointed out that they had likely just tipped off the person who stole my identity. They would not share the full email address with me, nor would they tell me what the phone number I have on file with them is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: MO
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency, please see attached documents and ID as it contains my full complaint and request I called experian on XX/XX/XXXX and submitted a identity theft dispute on XX/XX/XXXX I mailed out all the documents attached below with certified mail and it was received by Experian in XX/XX/XXXX I called Experian on XX/XX/XXXX and nothing has been resolved

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 2022-01-14
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have notified Ability Recovery Service and demand a cease and desist to stop communication with me. Ability Recovery Service failed to abide by federal law in violation of the FDCPA.15 usc 1692c ( c ). 

I have also reach out to Ability Recovery Service requesting information I have yet to receive. 
They fail to cease communication through all mediums pursuant to federal law. All mediums mean telephone, email, social media, letters, and consumer reports. 

My consumer report is in fact a medium and I demand a deletion from my consumer 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 2022-04-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit.

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX A XXXX {$450.00} XX/XX/2016

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 2022-04-20
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 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 Accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.

Company response to consumer: Closed with explanation