BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: NC
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect information on my report. It has been well over 30 days & I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XX/XX/23 transunion received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.

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 2021-05-17
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. I purchased goods from a vendor on XX/XX/XXXX for {$290.00}. The purchase was paid for through my PayPal account which is tied to my checking account. The funds were withdrawn on XX/XX/XXXX. 
XXXX. The order was cancelled by the vendor on XX/XX/XXXX. 
XXXX. By XX/XX/XXXX the refund had not shown up in my checking account and I contacted PayPal. PayPal advised that the refund had been issued to my bank. 
XXXX. On XX/XX/XXXX I contacted my bank ( as was suggested by PayPal in their chat response to me ; see the attached documentation ) to determine the status of the refund from PayPal. My bank stated that there was no record of PayPal having issued any transactions to my account, pending or otherwise, and at their advice, I opened a dispute. In conjunction with opening the dispute, my bank issued to my checking account a temporary credit while the dispute was investigated. 
XXXX. On XX/XX/XXXX a credit from PayPal appeared in my checking account. 
XXXX. On XX/XX/XXXX I became aware ( when reconciling my account statement ) that the PayPal credit had appeared in my account and proactively notified my bank of the fact by telephone. My bank closed the dispute. In conjunction with closing the dispute, my bank issued to my checking account a debit to reverse the temporary dispute credit that had been issued on XX/XX/XXXX. 
XXXX. On XX/XX/XXXX PayPal advised me by email that I owed PayPal {$290.00}. 
XXXX. After various communications with PayPal via their chat service and with my bank by phone, I was told ... 
a. by PayPal that I owed the amount because my bank had backcharged PayPal {$290.00} when I was issued the temporary credit, and since I was issued two credits I owed them one of the two. 
b. by PayPal that I could file an appeal at XXXX. I did so, noting that ( 1 ) the temporary credit had been reversed, ( 2 ) that PayPal had provided no proof that my bank had issued such a backcharge, and ( 3 ) they needed to take the issue up with my bank. 
c. by my bank that no backcharge was issued to PayPal, and as a matter of policy would not have been, since PayPal responded to the dispute within the 45-day dispute review period. 
9. Having sent PayPal two " appeal '' emails XXXX on XX/XX/XXXX and XX/XX/XXXX ) at the email address directed by PayPal, and ... 
a. having had no response to either email by today, XX/XX/XXXX, b. receiving more than 45 collection calls from PayPal, having directed in writing both through PayPal 's chat service and through email that communication needed to be in writing and to cease harassing calls, c. receiving numerous emails from PayPal trying to collect the {$290.00}, ... 
I am filing this complaint. 
Documentation of all of the above is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Service # XXXX These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i opened my paypal account and them i received my direct deposit. 
after that paypal put a temporaly limitation in my account and ask me for my document. 
my account was verify with my personal information and i did not have any fraud transaction or chargeback. 
i only receive my XXXX dollar and i couldnt have access to use my money. 
I try to resolve the problem with the company but nothing is work right now. 

i wish paypal tell me when they are help me to get my money fron my account. 
i need my money. 

my email addres is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two items in collections with Capital One, after reaching out to try to fix the issues I had given up. I was told a credit help company had made payments to Capital One and no payments are marked on the account. Recenly I was attempting to get a loan with a housing builder and was told that Capital One is still reporting late payments even though they charged off the account years ago and it was bringing my credit score down further than it should. I reached out to the phone support line but was unable to get anywhere, or receive help. I would like to talk to someone about resolving the issues at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: GA
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 recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with XXXX and Experian. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to XXXX. According to USPS.com, XXXX received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to Experian as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not removed.

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 2023-04-15
Company: Resurgent Capital Services L.P.
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:
This account is in collection please provide me the original purchase agreement which includes the terms and conditions legally stating that I'm responsible for this account. Need this information in 30days or remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
Nelnet keeps trying to pursue collections despite XXXX XXXX filing on XX/XX/2023 in NC XXXX XXXX Bankruptcy Court in XXXX, NC. The case number is XXXX. 

I am represented by legal counsel in this matter. My lawyer is XXXX XXXX of XXXX XXXX XXXX, XXXX in XXXX XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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: Information belongs to someone else

Complaint:
XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX These items are reporting on my credit report and they are inaccurate and do not belong to me. I've disputed XXXX XXXX & XXXX in the past and these accounts were deleted from my report for fraud, and they are back on my report again! These negative inaccurate accounts are hindering my score and not reflecting my true credit worthiness these accounts need to be deleted expeditiously

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 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, American Express sent me a letter denying me of my credit which is a violation of federal law after I decided to do business with them and apply for an American express gold card. 
I then sent them a letter ( basic claim ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( opportunity to cure ) of instructions on XXXX XXXX informing them about the laws the broke ( Adverse action 15 USC 1691c Then on XX/XX/2023 they sent another letter denying me which is illegal. 
I then sent another letter ( Default Judgement ) of instructions on XX/XX/2023 informing them about the laws the broke ( Adverse action 15 USC 1691c ) I then sent them a letter on XX/XX/XXXXXXXX XXXX informing them that they have breached a contract They sent me a letter on XXXX XXXX still denying me of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a legit business in XXXX, all of my clients have had a pleasant experience with me. I even have at least 1 review on my XXXX page. They flagged my account and asked me to submit documentation to prove the legitimacy of my business. The same day, they sent me a message informing me that they were closing my account and could not support my business. I supplied them with my Authority Addendum and EIN paperwork. That is more than enough to prove legitimacy. All transactions were of $ XXXX {$90.00}, and the service was recommended by my beautician. They claim theyre holding my funds for 90 days, this is unacceptable and will not be tolerated. I will pursue legal action if this is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: KS
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2019-07-03
Company: Atlanticus Services Corporation
State: OH
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:
While reviewing my monthly billing statement from Fortiva I found a charge on my card from an XXXX company in California which wiped out my remaining account balance. I went online to Fortiva 's website and got an online cus svc rep to answer my inquiry which proceeded to tell me to call on XXXX  and report the issue to a Cus Svc Rep. I called on XXXX XX/XX/2019 and spoke with a rep named XXXX. He reviewed my account and told me he would send me a new card and paperwork to fill out to have the fraudulent charge researched. I got the new card but never received paperwork for the fraud issue, so I called them again and asked to speak with a supervisor so I could get this resolved. The supervisor 's name was XXXX and she gave me the runaround telling me that it takes XXXX business days to receive paperwork. I told her I got a new card already why not the paperwork. She couldn't answer my questions and transferred me back to the person I spoke with on XX/XX/XXXX. Explained again what was the problem and I asked if he could email me the form so I could get this issue resolved. I received the form and send back all the information they requested along with a copy of my Drivers License and a copy of the credit card and asked for confirmation that the information was received and I have not received anything from them yet. They were more concerned that I activate the new card which I have not done so because I am not using a card which has no funds on it. Also they told me it will take up to 90 days to resolve this issue. I have always paid on time and always more than the minimum amount. The card was used at local stores near my home and I am not a traveler either. I can not believe the customer service and the delay tactics a customer has to do to resolve these sort of issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2023-03-06
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX and I am a XXXX of XXXX XXXX XXXX XXXX XXXX International XXXX. We are a 501C non-profit organization based in Florida. Every year, we hosted a beauty pageant event and in order to be able to compete in our beauty pageant, a contestant must submit and online application and pay a {$500.00} application deposit. 
The full entrance fee is {$2000.00} which cover the contestants foods and hotel cost during the pageant week. On XX/XX/2023 a contestant submitted her application fees in the amount of {$500.00} through XXXX. After subtracting XXXX service fees, the total amount available to us is {$470.00}. When I logged into my XXXX  account, I submitted all my formation document, my bank account statement and my ID as requested by XXXX  in order for them to verify our organization.

Today I received an email from XXXX stating that they are closing my account and the funds in my account will be on hold for 90 days. I dont understand why they closed my account. I never have any charge back or conducting any illegal money laundering activities on my account. I am a legal XXXX XXXX and I paid all my taxes annually. Our organization is a 501C non-profit organization. I need to know the specific reason why my money is on hold for 90 days and the specific reason why my account was closed.

Company response to consumer: Closed with explanation