BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, XXXX XXXX came and purchased my couch for {$100.00}. She paid me through paypal. 10 days later she disputed the transaction through her Visa debit card that she did not receive the couch. The bank opened a dispute with Paypal and the {$100.00} was taken out of my Paypal account. 

I have videos and proof that she took my couch. XXXX is not denying it and sent me a letter from her bank, XXXX XXXX XXXX XXXX that she lost the case. Paypal decided on my end that they are saying it was decided in the buyer 's favor ( XXXX XXXX ), but neither her nor I have the {$100.00}. Paypal also charged me a {$20.00} chargeback fee.

This is such a scam and fraud of Paypal. 

I have attached a letter that was sent to XXXX proving that she lost and that I won. Paypal is saying that I lost because I didn't have seller protection. I don't need seller protection when I have proof that the bank sided with me in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
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:
I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX loan. $ XXXX range balance. I am very clueless and I need an explanation from each of the Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: DISCOVER BANK
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2019 I refinanced my house and my bank paid my Discover Card balance in full as per the telephone conversation the loan officer had with the Discover Card agent. 

I continued to get emails for a balance due. I contacted Discover Card and the problem was taken care of. They had not taken the interest on the loan into consideration when they gave the balance due. The Discover agent negated the interest and verified for me that my account was closed and I wouldn't be receiving any more bills. 

I continued to receive emails and additional amounts of money. I was able to have an agent put a stop to the bills when she checked my account and told me I wouldn't be getting any more emails. 

I continue to get emails for promotions and a balance due. I am not able to label the emails spam. The address doesn't fall into a category that will accept it. 

I want these emails to stop. They are harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 2022-04-23
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have {$.00} to my name. I need food for my kids and my tire has a slow leak and needs air. My cousin CashApp'ed me {$20.00} to get food, and air for my tire. CashApp would not release the funds nor was there anyone for me to communicate with about it. Subsequently, we did not get food and my tire went completely flat resulting in me needing to borrow more money for a XXXX tire and a tow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For more than six months, I have unsuccessfully tried to have Equifax put a credit freeze on my account. I tried online, over-the-phone, by U.S. mail ( following Equifax 's instructions, including a copy of driver 's license ). When I received a letter from Equifax that it couldn't place a freeze, I wrote to CEO XXXX XXXX on XX/XX/XXXX, demanding the freeze. I never heard from the company and wrote a second letter. After my second letter, employee XXXX XXXX emailed me in XX/XX/XXXX. As he requested, I gave him my phone number, but he never call me. I called him three times --XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX --  before he returned my call. Bottom line : Equifax hasn't placed a freeze on my account. I have successfully placed freezes with XXXX, XXXX, XXXX and XXXX. The motivation for is my personal information was stolen in Equifax 's data breach. I am concerned about my identify theft and want this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-01-18
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 Reporting Act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: MO
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 Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

My PayPal account is registered under the email address XXXX. I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
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 letter in the mail from AmeriSave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX informing me of a credit report pull. Its states that I applied for a mortgage loan which I did not. 
Date ordered is XX/XX/2022 I attempted to speak to a representative at this location ( XXXX ) however nobody answered the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I received a copy of my Barclays Mastercard statement marketed under the name XXXX mastercard due to its affiliation with XXXX XXXX On XX/XX/2020 I wrote a check payable to XXXX Mastercard for {$2100.00} which they received and cashed on XX/XX/2020. 

My bank account was debited the {$2100.00} on XX/XX/XXXX. 

Barclays bank XXXX mastercard only credited {$21.00} on my statement as the payment made. 

On XX/XX/XXXX I received an email from XXXX Mastercard saying that I had shortpaid my account and my account needed immediate attention. I called them right away and discovered their error. The man I spoke with gave me a case number XXXX. 
He was to forward this information along with the copy of my check to the investigation team who would correct the error right away. 

On XX/XX/XXXX, I called into the customer service department who advised me that they would not be processing any paperwork on my account for at least 2 billing cycles. I explained that this was unacceptable as I have paid the funds from my account which is no longer their and I do not have the credit applied to my statement. Waiting 60-90 days for a response seems highly unethical and against what any reasonable person should expect to endure. I was told that the call would be escalated and I would hear from a manager in a few days. They also gave me a fax number to send my inquiry to as well as a mailing address to which I have expressed by concern and disappointment in how I was being treated as a customer. 

On XX/XX/XXXX, I called in for a status update and spoke to a person who was struggling to communicate in English however managed to express that they once again would not be responding to the investigation to at least 2 more billing cycles. 

I believe that as a consumer this is horrible practice. If we the consumers had not made timely payments we would be punished with derrogatory remarks and poor credit reporting history, however when these banks act badly and against the consumer they seems to get away with it with impunity. I have never missed a payment and I am a good and loyal customer however I am being treated unfairly and unethically as they are hiding behind a massive corporate structure and refuse to correct my account and their error for an unreasonable amount of time if they correct it at all. In essence they have stolen my money and refuse to either provide a credit to my account nor return it. Waiting 60-90 days for an expected response is unreasonable and I formally request that the CFPB investigate and request some answers. 
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 monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2019-11-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provide sufficient information, as required by the FTC, by providing an ID Theft affidavit from the FTC website which i registered and logged the ID Theft related accounts. I am a victim of identity theft and my information was used fraudulently to open various accounts without my consent or permission. I have contacted chex systems making them aware of the accounts and inquiries relating to identity theft and per FCRA 605B, advising them that they have 4 days to block those identity theft related accounts. and they are refusing to do so. they are asking me to provide a police report and i advised per the FCRA regulations the report alone from the Federal Trade Commission is sufficient enough to block the items marked as identity theft. being a victim of identity theft, I feel that chex systems is violating my rights as a consumer and causing adverse and negative impact on me as a consumer by blatantly refusing to honor federal law under FTC guidelines. They are knowingly reporting accounts and inquiries that are marked as fraud due to identity theft and are pro-furiously refusing to remove and block these accounts from 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " Pennsylvania Bankruptcy XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the PA Bankruptcy " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. 

i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX   XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX   XXXX  responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-05-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE!

Company response to consumer: Closed with explanation