BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received an email from paypal on XX/XX/ that my account was permanently restricted. They claimed " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services '' even though when I call they won't give me an explanation as to exactly what the " activity '' was that was against their user agreement and I spoke to 5 different customer service agents. They all gave me different reasons from my account was linked to other accounts with suspicious activity, I had too many large suspicious transactions ( even though you can clearly see in my transactions eveywhere I spent money and they are all legitimate businesses ), another said I had other accounts in my name ( which I only have 1 account this one ) and another told me that they dont have to give me a reason if they no longer want to do business with me they dont have to?? My issue isnt even the ability to use paypal at this point I don't even want to use there services and would caution anyone I know to never keep a balance in their account. Paypal is holding the {$6700.00} I have in my account. They sent this message in the email " Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. '' How can a company not give a legitimate reason and take your money and say you can't have it back for 6 months? I am a XXXX person on a fixed income from social security XXXX and that money was supposed to be used to pay off my vehicle loan so I don't have to struggle each month to pay my bills. Now I have no idea when or if I'll get my money back? I don't even know how this is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: OK
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IL
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 so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
Dear, CFPB My name is XXXX XXXX & my old name is XXXX XXXX until last year XXXX when I got naturalized. 
Ever since I got naturalize last XXXX, my credit history & scores were removed from Experian. I sent all the supporting documents to XXXX, XXXX XXXX Experian to update my name. Although, two companies were able to merge or add my new name on top of my old name to keep the score & histories. 
However, Experian is the only company not able to merge or add my name into the credit history, that's why I have XXXX score with 1 hard inquiry I have already contacted Experian numerous times & file a dispute online. 
Experian kept telling me it's not them having the issue, it was my creditor who's not reporting under a new name. So Now my bank rep is involved in my case to support me at this moment. I'm sending you a copy of supporting documents as well. 

Now I'm regretting why did I change my name & it's stressful to see XXXX XXXX XXXX on Experian portal. Only thing listed on Experian portal is my past home addresses & 1 hard inquires. I appreciated if you can carefully read my supportive documents. 

contact me if you need to access Experian Portal or Sensitive questions. 
Thank You. 
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 2023-06-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted a previous claim ( XXXX ) in XX/XX/2023 that Citi was holding funds that had been transferred into my savings account due to suspected fraud. They responded saying that there was nothing they could do and the account would be closed in 30-60 days and the funds would be returned at that time. I was not pleased as they had no evidence whatsoever of fraud taking place and this seemed like a heavy handed tactic to hold my funds but there isnt much you can do with a big bank like Citi. The first letter I received was dated XX/XX/2023 - it has been well past 60 days and Citis customer service has only given me the runaround on closing the account and sending the funds. I received another letter today dated XX/XX/2023 that is exactly the same as the letter I received in XXXX. Does this mean that Citi is trying to hold my funds another 60 days under false pretenses? I will also be writing to my Representative to help the government understand how much power these big banks hold without any regard to everyday hardworking Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I attempted to withdraw some of my money from my Goldman Sachs account. My attempt was to return the money to the same banking institution, XXXXXXXX XXXX XXXX XXXXXXXX, Indiana, which was the source of where these funds originated from earlier this calendar year. My online attempts using the website portal appeared to go through as normal. However, when contacting the bank on a separate matter, I am now being told that my account is locked? The rationale was to verify a deposit made in XXXX of this year? I do not believe any attempts were made to reach me with respect to activity which happened six months ago. I have received no emails. I have received no phone calls. I have been able to successfully deposit more money into my Goldman Sachs account since XXXX without issue. Ironically, the day in which I attempt to withdraw money, I am now being told this. My money is effectively being held hostage. I simply want the money in my account to be withdrawn in its entirety and returned to me. If this can not be done electronically, I will accept a paper check, mailed to me using US mail to my address on file : XXXX XXXX XXXX XXXX, XXXX, IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Santander Consumer USA 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:
I received a credit alert to my email address from XXXX. The email states that an inquiry was made by XXXX XXXX on XX/XX/18. I have not applied for any vehicle loans in over 4-5 yrs and certainly not XXXX nor have I given anyone any authority to apply on my behalf. I called the number listed as XXXX and was transferred from customer service then to service and repair then to first national card of Delaware fraud dept. Not one person was of any help. I dont know who initiated the attempt for credit and I need this hard inquiry deleted from all credit depositories. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The amount is over 9000 and it is with wells Fargo. I do not and have not had a loan with them. I have had problems many times on this and trying to fix this I want it off my credit as it is not mine. It was in I think XX/XX/2017when added. Please fix it as it was not me and is stopping me from getting my credit fixed. I need it gone. Thank you. I have had problems in the past with Identity theft as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed by receiving a fake check for XXXX USD and was tricked into transferring the funds to another account. I realized I was scammed almost immediately after sending them the money. It is important to mention that the checks funds were made available to me the next day I deposited it ( I have proof of that ) because it did not say processing anymore, it had a date posted. All this was at XXXX am and at XXXX am I called Bank of America and filed a claim with the number # XXXX. By XXXX am I was already at the XXXX, XXXX  police station and spoke to XXXX XXXX XXXX who gave me a case number XXXX. After that I physically went to Bank of America in XXXX XXXX, XXXX  and there I talked to XXXX XXXX ( i have videotapes of the conversation ) who told me that theres not much more I could do. I have been calling Bank of America to get updates. They told me that my claim was denied but as a courtesy they would try to contact the receiving bank and told me that it could take up to 45 days that was almost 3 months ago and they have not provided me a resolution. The last time I called for an update they told me to just wait for an e-mail which to this day, I have not received.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS ACCOUNT IS NOT MINE 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

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 2022-11-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains 5 late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a XXXX XXXX XXXX XXXX XXXX, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2023-05-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I finished paying amount owed to the company XX/XX/2022. 
There was no reason for this balance to be sent to the collection agency. 

The letter from the collection agency says they know tax season just occurred so I can pay balance off with that It doesnt seem like appropriate comment to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; 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