BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
NO ONE EXCEPT MYSELF CONTACTED PAYPAL OVER THIS DESPUTE AND PAYPAL NEVER OBEYED THERE OWN POLICY TO INSURE MY MONEY THUS WILLINGLY DEFRAUDED ME. I HAVE ALL RECORDS : Case 1 of 6 - Scammer : Case Closed : Transaction not covered Case ID : XXXX Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. 
Case details Dispute reason Unauthorized access Case Status Closed Date reported XX/XX/XXXX Transactions not refunded We have been unable to provide any refund on the transactions listed. 
XX/XX/XXXX Money Sent - {$40.00} Case 2 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$30.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Monday, XX/XX/XXXX Transaction amount : {$30.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 3 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$50.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$50.00} USD Your conversation with X X XX/XX/XXXX at XXXX AM EST This person is a scammer, i want ALL my money back. 
This case is closed Case 4 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$200.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Friday, XX/XX/XXXX Transaction amount : {$200.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer, i want ALL my money back. 
This case is closed Case 5 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Dispute amount : {$25.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Tuesday, XX/XX/XXXX Transaction amount : {$25.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX  EST This person is a scammer. I want ALL my money back from them. 
This case is closed Case 6 of 6 - Scammer : Item not received CASE CLOSED Case ID : XXXX Case details Show less Refund requested : {$750.00} USD Seller info : X Shipping address : X Transaction ID : XXXX Transaction date : Thursday, XX/XX/XXXX Transaction amount : {$750.00} USD Your conversation with X X XX/XX/XXXX at XXXX XXXX EST Every time money was sent to this person, they scammed me. I want it ALL back. 
This case is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX  and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX XXXX account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX was in XXXX  at the time XXXX XXXX account was opened. Cooling and Winter Attorney have the debt and a judgement was placed on me. I sent verification showing date and time I had to self surrender to XXXX XXXX XXXX in Alabama. I also submitted a police report stating I was a victim of identity theft. I also submitted a signed affidavit stating I am a victim of identity theft. Lastly I submitted verification showing when I returned home from prison. This company refuses to remove this fraudulent account and the judgment placed on 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 2023-03-08
Company: Upgrade, Inc.
State: MI
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:
On XX/XX/XXXX I pulled all three of my consumer report ( XXXX, XXXX and XXXX ). I noticed that an unauthorized alleged debt for an unsecured loan with the balance of {$14000.00} was placed on my consumer report from Upgrade dated on XXXX XXXX XXXXXXXX I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. I do not know how this company has had access to my social security number.as I never given it to them. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and XXXX. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for mortgage loans to purchase a house for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C. 1692a, revoking my rights as a consumer, a natural person who is obligated on or allegedly obligated on a debt, 15 U.S.C. 1692f, 12 CFR 1006.34, notice for validation of debts, 15 U.S.C 1692g, Validation of debt, as I have sent a debt validation letter to this company on XX/XX/XXXX and they have not responded. Exhibit A is presented within the portal of a certified letter with return signature has been sent to the address listed upon my consumer report of this company. This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that Upgrade is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For almost two years I have been attempting to make payments on my mortgage with no assistance. I did a Forbearance for Covid in XXXX  and negotiated a new contract and payments. That company was bought out and since then my mortgage has been a mess. I had sent in the first payment and attempted the second payment when the money was sent back to me. I renegotiated a new deal with Truist and began to make payments. They informed me it would not be official until i signed the deal and mailed back to them. I agreed to this however never received the new deal. After months of calling and searching for it but still making payments they sent me all the money back because it didn't catch me up. When speaking with a rep they said there was an error and best way to fix is to do the forbearance again and restart the process with them. I filed for that to happen and once again never received in the mail the new contract. Was informed could have it emailed to me in which i would print it off, sign, and mail in. This never was sent to me either and when calling I speak to a new person each time who has to review my notes. Multiple times while reviewing and placing me on hold they have hung up and not called back. In this time I have received foreclosure notices, annual statements, and late fees in the mail. The stress and uncertainty this company has put me through during this time is unjust and should not be this hard to resolve with someone willing and looking to pay. I attempted to refinance with another company but said when they called it couldn't be found because it was in a limbo of sorts. Now it is showing up on my credit report and affecting me in many negative ways. This has put a pause on my life and my families. I have attached only a handful of items as proof of the misconduct this company has performed

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 to the fair credit reporting XXXX  account XXXX, XXXX, have violated my rights 15u.s.c 1681 section 602A states i have a right to privacy.

15u.s.c section 6042 it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and XXXX have got into the hands of the wrong person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
I send out my dispute letters, it's been over 30 days and there are things on my credit report that are not accurate. I have not received anything back from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instruction.

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 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 2023-04-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In response to the recent investigation, I am submitting this CFPB Complaint to express my disagreement with the findings and to request that complete accuracy be ensured. I am not satisfied that enough effort was made to contact the creditor responsible for reporting the information on my report, and therefore, I am seeking further information regarding the disputed account as soon as possible : XXXX XXXX XXXX  Balance Owed : {$33000.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
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:
hello so i recently checked my credit report and noticed some hard inquiries that were not authorized by me and is totally incorrect. here is a list of the hard inquiries 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 i have already made an FTC Report and this is the Report 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 2022-11-17
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 follow-up to my previous complaint to delete these items in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: Tribal Lending Enterprise, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The loan of {$1000.00} was financed on XX/XX/2022. I have made XXXX bi-weekly payments of {$250.00} totaling {$2000.00}. Due to financial hardship, I requested they remove teh ACH withdrawals from the account. They claim they will aggressively seek the remaining balance of {$3500.00}.

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 2023-04-24
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 follow-up to my previous complaint to delete these items in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my 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 2019-07-15
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX and Experian will not remove my bankruptcy. I sent all my Identity Theft documents along with a police report and etc .... Everything needed. I waited for over 30 days for a response. XXXX is the only one that got back to me and has removed my bankruptcy from my credit report. I sent letters to XXXX/XXXX- new as of last month, my account was transferred to XXXX with new account number XXXX. XXXX refuses to open up my mortgage account, I pay monthly payments and yet they still refuse to correct the information on the account. 

I am so tired of fighting and sending letters through certified mail. I don't understand how you can remove the bankruptcy from my credit report and than add it back on. This is not fair. I don't care about your XXXX report. 

I have Identity Theft reported since the IRS was hacked in XX/XX/XXXX. All my passwords, banking information, credit cards were all reported. 

This is an on going thing for me. Every 3 months someone does something to me. I was able to trace  the IP address back to XXXX, and I reported it to the FBI> Please help ... ..I am working so hard to rebuild my credit report because of the Identity Theft and I can't even pass security questions anymore. 

Thank you, 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 2017-12-04
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL continues to send my loan to a collection agency named Transworld Systems , INC.,  when my loan is not delinquent and the amount demanded by this agency is not correct. I have addressed this with the Director of the loan department over a month ago, and he apologized for the error but the problem remains. I received another letter from them XX/XX/2017. The notices they send make it sound as if my loan is in default and the wrong total amount due is demanded.

Company response to consumer: Closed with explanation