BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
paypal just scammed me.Let me say that paypal are XXXX of epic proportions.They have a seller protection policy which is a fraud and a lie it is A BOLD FACED LIE PERIOD.This paypal company has many reviews about their " service '' on the XXXX XXXX XXXX  XXXX, XXXX etc like over 50,000 reviews and 99.9 % of these reviews are all negative .How on earth has this company not been shut down? They ruin lives is what they do.For XXXX Buyer purchased something from me and i sent her exactly what she ordered.Buyer then claimed i sent her less then what she ordered and filed a dispute for a full refund.I had full XXXX verified delivery confirmation with photos showing we sent her exactly what she ordered.She claimed we sent her 1 bottle of this childrens nutritional vitamin syrup when she ordered 6 bottles.Not only did we sent photos of the 6 bottles with the XXXX tracking number but we also got a invoice from XXXX showing the quantity which we sent was 6.The shipment weight also proves this.There is no doubt we have proven the buyer is a XXXX.These XXXX paypal are asking her ( the buyer ) to return the 1 bottle and then she will get a full refund.Problem is we didnt send her 1 bottle we sent her 6 bottles and even if we get the 1 bottle back in damaged or broken condition ( broken in transit ) the buyer will still get a full refund.We XXXX sent her 6 bottles paypal you XXXX.When we proved the buyer is a XXXX as in there is absolutely no doubt, paypal is still giving the buyer a chance to commit fraud.This is against their own seller protection policy.I demand my money back paypal you are clearly misleading people to use your services promising seller protection when there infact is none.you know it i know it and the whole world knows it look at this XXXX companies reviews all over the internet for XXXX XXXX.I have been scammed by this paypal XXXX company make no mistake about that no matter what they say i have been scammed by them and they are bold faced XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: MCU Holdings, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCU has left numerous electronic messages stating I am delinquent or past due on this account. I have never dealt with, had any business association, personally or otherwise. I have asked them to cease any and all communication, as recently as approximately XX/XX/2021. I continue to receive correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.

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 2022-01-24
Company: AMERICAN HONDA FINANCE CORP
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week Honda actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called Honda Financial, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: Perfection Collection
State: FL
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:
Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Perfection Collection Opened XX/XX/XXXX - {$4500.00} Original creditor : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 )  costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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 have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: KS
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 accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$620.00}.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: GA
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:
They wont show me original documents stating that I borrowed {$30000.00} from them. They wont show me no signature that I borrowed any money from them. XXXX XXXX XXXX account number XXXX. According to 15 USC 1681 602 a and 15 USC 1681 602 b and 15 USC 1681c section 5A. Remove this account from my credit report please and 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 2019-07-31
Company: I.Q. DATA INTERNATIONAL, 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:
I have contacted XXXX and XXXX  numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years  and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating IQ DATA INTERNATIONAL will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to IQ data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNT IS INACCURATE AND I DID NOT OPEN I ATTEMPTED TO DISPUTE FROM MY CREDIT REPORT WITH ALL 3 CREDIT BUREAUS AND DEBIT COLLECTOR ITEM IS REALLY DAMAGING MY CREDIT REPORT AND MY CREDIT JOURNEY

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Financial Data Systems
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:
On XX/XX/2021, FINANCIAL DATA SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-03-09
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage off XX/XX/2021. The amount of payoff was {$320000.00}. They said the official payoff date was XX/XX/2021 and the payoff was {$320000.00}. We also have an escrow balance of {$5300.00}. They told the title company payoff was {$320000.00}. I have called in multiple times and was told a check was mailed, then it wasnt and they would send ACH ( XX/XX/XXXX ) and then I called on the XX/XX/XXXX, they said the ACH didnt work and they sent a check instead. I have not received a check. They then said they would void the check, I told them I wanted a check sent overnight and they said they sent ACH. I recorded the last few conversations with them and they lied multiple times. I want my money back with interest at the same rate I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank purchased my mortgage. They do not accept auto payments from an outside bank. This would not be an issue as typically I would change banks, unfortunately I am unable to as its a captive loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I hold an American Express Platinum account which I no longer desire. I have no balance, on good terms, and paid the $ 550+ annual fee in advance for the year. I called CSR on XX/XX/19 to cancel the card. I was told that I had remaining membership points I would forfeit by cancelling the card. I replied that I was comfortable forfeiting all points. 
I was then told I would be charged for all membership points received to-date as that was in my Cardmember Agreement. I replied that it was highly illegal for American Express to prevent me from cancelled my account and also claim they had ground to charge me for membership points I'd received in the past. CSR refused to budge. I continued to request the card be cancelled regardless of what CSR was saying. I paid my balances in-full and I paid my annual membership fee. That was the extent of my responsibility under the Cardmember Agreement.

Company response to consumer: Closed with explanation