BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: TN
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, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named XXXX, Experian and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named XXXX, Experian and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, XXXX, Experian and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as XXXX, Experian and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named XXXX, Experian and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-07-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
To whom it may concern, I have been fighting PayPal for a week regarding them restricting my funds and not allowing me to transfer my money to my bank account. I have logged over 15 hours on calls and emails, getting hung up on, and ive been given inconsistent messaging as to when I can transfer my money. The reps I spoke to said that it is PayPals security review algorithm and they will not and can not give me a time to release my money. They refuse to give a time frame. Their suggested solution to a problem they have caused was to refund customers and request a different payment method. Im disgusted they would suggest I put my customers through this.

I have endured endless security checks through their two factor authentication, provided every bit of documentation they asked for, unnecessarily changed my password 20 times b
ecause their website kept redirecting me or stating it notices unusual activity.

The unusual activity is that PayPal yet again is holding money hostage and refuses to release my hard earned funds. I was told the problem I reported last week was resolved and was a verified member. And now I cant transfer the {$11000.00} in my account. This is a significant amount we need for our family. 

I have submitted two Complaints to XXXX  as Im tired of having to fight PayPal to release my money. This company clearly has no moral compass as it has no problem collecting fees but makes it impossible for a customer to get their money. 

This is nothing short of them refusing to my MY money, and acting like they are a bank when theyre only a payment processor. They are affecting peoples lives. They refuse to help me, stating they cant help, which means my money could be held indefinitely.

What theyre doing is illegal. I desperately Request PayPal resolves this and distrubutes the balance to my account ending in XXXX. 

My husband and I are also XXXX XXXX military, and it is clear this company has no integrity. Please help me. As paying customers for PayPals service, we deserve to be treated with respect and they need to be held accountable. They are not meeting the obligations of their policies, not disclosing their security checks or alerting customers, and not providing documentation of the security issues or status of account. They are actively withholding information on my money. 

I have attached proof that the items I sold were delivered, as well as proof of the balance and conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The Best Service Company ( a collection agency ), and XXXX XXXX  remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my XXXX XXXX  account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with XXXX XXXX department, XXXX XXXX   failed to pursue XXXX and collect the funds. XXXX XXXX  instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but XXXX XXXX  created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as XXXX XXXX   subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The Best Service Company or any other agency.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted experian, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. Experian contacted my credit card company XXXX XXXX and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score,  instead of raising it.

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 2023-11-20
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a wire transfer of {$15000.00} was received from my investor to support the initiation of my business. The funds were promptly cleared and made available on the same day. However, on XX/XX/XXXX, the PNC investigations department unexpectedly froze these funds without providing any verbal or written explanation for the hold. 
Both the sender and I have made multiple attempts to contact PNC in order to verify the legitimacy of the funds and demonstrate that there is no fraudulent activity involved in this transaction. After reaching out to the sending bank, Bank XXXX XXXX, I was informed that all funds have been thoroughly verified and the case has been closed from their end. 
Despite our efforts, PNC continues to withhold my funds without offering any justification. This situation raises concerns of potential discrimination, as I have been fully transparent and cooperative throughout this process, as has the sending party. It is disconcerting that PNC persists in holding my funds without providing any explanation. 

Due to these circumstances, I have been compelled to postpone the commencement of my new business venture. The entirety of this situation is truly disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-08-22
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen. A XXXX XXXX Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted XXXX XXXX several times. I have sent a certified letter with information they requested. I have followed up with company by phone. XXXX XXXX will not give me any information about charges or how the account was opened. The information XXXX XXXX says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud XXXX XXXX of XXXX information is with the XXXX XXXX XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until XXXX XXXX. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with Firstsource advantage LLC. I let First source know these were fraudulent charges and sent over to them the information needed to prove fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Financial Assistance Inc
State: LA
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:
Company financial assistance inc said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted XXXX and the other two reporting agencies and they never removed this fraudulent item they never got the code

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX are in violation of the following Debt Collection Rules by the Fair Debt Collection Practices Act ( FDCPA ) that became effective on XX/XX/2021. 
Failure to provide a statement that the communication is from a debt collector. 
Failure to provide an account number associated with the debt. 
Failure to provide an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date. 
Failure to provide the current amount of the debt as of when the validation information is provided. 
Failure to provide me with information about your debt collection rights. 
Failure to provide me information on how to dispute the debt. 
Failure to send a notice that include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: PA
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 & confidentiality under 15 USC 1681.

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/2017 an unauthorized transaction hit my Chase checking account in the amount of approximately {$6000.00}. Upon learning of this transaction, I called the bank and was told to go to a branch. I went to a branch, filed a claim, and signed an affidavit stating that I had nothing to do with this transaction. They closed my account and opened a new account for me. They denied my claim stating that my debit card was swiped in front of a Chase Manager who personally knows me. The Chase Manager who personally knows me is my ex-wife 's friend and ex-co-worker. My ex-wife was a Chase Manager for several years and she worked with the Chase Manager who I was later told by Chase Bank was the one who overrode a tax check made out to another person, to be taken out of my checking account, which made my account negative for approximately {$6000.00}. After they denied my claim, they then approved my claim. I sent countless e-mails and spent countless hours on the telephone trying to get this situation cleared up and their end result was to deposit the money into the new account they had opened for me. This is what Chase telephone representatives told me was the correct action and the action that they carried out. I have had only 2 banks ( Washington Mutual which was bought out by Chase ) in my lifetime and I am XXXX years old. I am also a United States XXXX Veteran who completed an 8 year contract with an XXXX XXXX. I have never been arrested and I have no tickets or warrants. I am as clean as they come. I have lost and requested documentation regarding everything I am stating above from Chase and they do not send me any documents that I request. From my personal experience with my ex-wife and her friends/co-workers, I know that fraud was committed on my account. Chase initially told me that my ex-wife 's friend/ex-co-worker committed fraud on my account and after I told them that I was going to seek assistance from CFPB, they changed their tune and just stated to me that all they did was commit multiple errors to my account, which now results in me not having an account and them wanting me to pay them back for them committing fraud and multiple errors to my account. All of this coming out of the blue after being with Washington Mutual and Chase for decades without one single incident. Absolutely ridiculous. Inside Job. Cover up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : 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 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 Collection Account Firstly, I dispute the accuracy of the information regarding the collection accounts for 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. These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for 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 have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX, XXXX and TransUnion To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely 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 2023-07-01
Company: EQUIFAX, INC.
State: OH
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 can not access my online account with XXXXEquifax. Equifax is unable to assist me with updating my access to this account. I need access so I can freeze/unfreeze my account as needed. 

I strongly believe Equifax is intentionally preventing access to the free XXXXEquifax online account to force me to sign up for their paid consumer protection services. Extremely unethical practice. 

As a side, both XXXX and XXXX provide reasonable online access to free credit reports and freeze protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this complaint in hopes the CFPB will step in and look at illegal activities being performed with my mortgage servicer PHH and XXXX XXXX as the investor. I have been applying for mortgage assistance since XX/XX/2018 and have applied numerous times for mortgage help. Each time I submit all required documents PHH denies my loan each time for different reason all along having foreclosure dates on my home while I'm applying for assistance which by CFPB regulations this is in violation of Dual Tracking Laws. I have asked PHH to consider my good faith payment of {$5000.00} towards the delinquency as good faith on my side trying to preserve my home but they ignore my cries for help. I have lost my husband and have struggled to maintain current. But now my financial income is stable and I'm able to afford my mortgage payment even if my mortgage payments go up I just need help with my loan. When I applied for help and they denied me they didn't tell me the exact reason for denial and did not provide me any other option to save my home. Please help me to save my piece of the American pie, my home.

Company response to consumer: Closed with explanation