BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Since paypal deals in money, I believe they are also required to follow the US banking regulations. And since they shut my account down because I would not provide my social security number, that's proof right there that they had no right to do so. I even gave them a letter releasing them from liability but they still refused to reopen my account. I KNOW this is illegal for them to do this to me. 

Federal regulations provide me an alternative, 26 CFR 31.6011, 301.6109 and 31 CFR 103.28, 103.34, 103.35, employers, banks and payers are required to ASK for the social security number, but they shall NOT BE in violation of this requirement if they have made a reasonable effort to secure such identification and are unable to secure the information. 

The federal courts have ruled that private sector solicitors may NOT obtain social security numbers until they comport their solicitations to comply with disclosure requirements of the Privacy Act, including informing customers of the voluntary nature of such disclosure, the source of authority for requesting such disclosure, and possible uses to which disclosed numbers might be put. Yeager v. Hackensack Water Co., 615 F.Supp. 1087 ( 1985 ). 

Any person who is found violating the rights of a Citizen may be subject to the damages sustained by the individual and the costs of the action together with attorney fees. See Doyle v. Wilson, 529 F.Supp. 1343 ( 1982 ). Violation of 18 USC 241, 242 ; 42 USC 1983, 1985 1986 shall subject you personally and may also subject you to fines of up to {$10000.00}, and imprisonment for up to ten years, or both.

I WANT PAYPAL TO PAY FOR WHAT THEY DID TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies Transunion, XXXX, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 writing to have the following removed from my file immediately. The items i need removed are listed in the report. i am a victim of identity theft and i did not make these chargers. i ask that items be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commission identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me and family from moving forward with our lives and is not reflecting an accurate score. THANK YOU XXXX BLESS

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 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation.

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 2021-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received this garnished wages thru a XXXX that I had provided to me thru my XXXX. I didnt receive anything prior to this sue against me nor any notification.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

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 2021-05-13
Company: Experian Information Solutions Inc.
State: AR
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:
After requesting my credit report from XXXX, I disputed items on my reports that don't belong to me and therefore considered fraudulent activity using my identity. On XX/XX/2021 I got an update from XXXX when login in to my account. It stated that " I previously resolved 5 disputes with " XXXX '' : 1 ) XXXX XXXX ( deleted ) 2 ) XXXX XXXX ( deleted ) 3 ) XXXX XXXX  ( deleted ) XX/XX/2021 4 ) XXXX XXXX ( deleted ) XXXX XXXX 5 ) XXXX  ( deleted ) XX/XX/2021 My chief complaint is that : My credit report hasn't been updated, nor have my credit score. Due to a complaint, I filed against XXXX, I can't help but to think am being treated bias as a for of retaliation against me due to me making complaints involving them. I originally did a dispute in XX/XX/2021 & XX/XX/2021 for all these items to be removed due to fraud!

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 2023-04-14
Company: Experian Information Solutions Inc.
State: MO
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:
Cfpb complaint reasons. 
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-12-25
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2021, Equifax is reporting a inaccurate account from XXXX XXXX. Equifax state that I was late 2 times in the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. A consumer can not be late twice in one month let alone three months in a row. That is clearly inaccurate report. I have disputed this twices. Equifax is violate the consumer law of the FCRA 15 U.S code 1681. Delete the XXXX XXXX account immediately. I have attach my most recent consumer credit report as proof of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus XXXX, XXXX AND EQUIFAX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NC
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 am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Equifax written permission to furnish these accounts * XXXXl XXXX * XXXX XXXX  * XXXXXXXX XXXX * XXXX XXXX XXXX XXXX Collections Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Brelvis Consulting, LLC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple phone calls and  text messages over the past three months from an organization calling itself the " Student Loan Help Center '',  which apparently is based either in southern California or Florida.     I have repeatedly told this company that   : 1 ) I did not request any information from them 2 ) My phone number is on the Federal Do Not Call List 3 ) That I wish to be removed from all future communications.
Despite this, I continue to receive robocalls and SMS messages.
I do not have a business relationship with this company ; not do I want to have a business relationship with this company.
I have verified that my phone number is and has been current on the DNC List. I have filed complaints with the FCC, the U.S. Department of Education, the CA Attorney General 's office ( where I reside ), and the FL Attorney General 's office ( which may be where this organization is headquartered. I have also informed my Member of Congress of this issue.
I have asked to speak to the organizations General Counsel to   file a formal complaint ; at which point the person hangs up the phone.     I believe that this is the website of the company that calls me : http : //thestudentloanhelpcenter.com/ I block the phone number each time, but they always call from a different number.  On one call,  the voice recording said that the phone call was made using  XXXX   XXXX , a  VOIP  provider.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against ERC because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : ERC, Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: SC
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: Problem getting your free annual credit report

Complaint:
For over a month now I have been getting an error message every time I try to review my credit report with Equifax. I keep getting a message that my report is blank. I reached out on XX/XX/2023 and spoke with an agent who said that she was escalating it and I would be notified when its fixed. When I called the agent never asked me for the code. This is such a hassle because I am in the process of repairing my credit to get read for home buying and cant access the information I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account and when I sent an email on XX/XX/2020 to ask why my account is closed, and how I could get my remaining funds, they send me the following reply : " At this time, for security reasons, Chime is unable to disclose further information about the closure of your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2023 i made a lease payment to XXXX XXXX XXXX which was returned unpaid as i used the wrong stored account. XX/XX/XXXX decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after callingXX/XX/XXXX i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i callXX/XX/XXXX on XXXX XXXX 2023 as i get a notice of a 30 day past due from credit karma from XXXX XXXX XXXX i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls fromXX/XX/XXXX in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as XXXX XXXX XXXX not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed.

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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-10
Company: Suttell, Hammer & White, P.S
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a XXXX XXXX. for {$1500.00} ( with Suttell & Hammer, P.S. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from XXXX XXXX XXXX or Suttell & Hammer until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called Suttell & Hammer and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. 
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, XXXX XXXX XXXX an article came up indicating your organization filed a Consent Order against XXXX XXXX and it's subsidaries ( including XXXX XXXX XXXX ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from XXXX XXXX back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX at the time and the proof of service was filed in XXXX State that indicates I was notified at my rental property in XXXX State. 
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MO
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:
Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ikon Financial Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.

Company response to consumer: Untimely response