BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2021-10-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and Experian have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-26
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 Support Team, I am writing to appeal the recent blocking and limitation placed on my newly registered PayPal account. I believe there may have been a misunderstanding or mistake in the assessment of my account, and I kindly request a thorough review of the situation.

As a new user, I am eager to utilize the services provided by PayPal and follow all the rules and regulations outlined by the platform. However, I was surprised to find my account blocked and limited without any prior warning or explanation.

I assure you that I have not engaged in any activity that violates PayPal 's terms of service or poses a risk to the security of the platform. I understand the importance of maintaining a secure environment for all users, and I am committed to upholding the integrity of PayPal. 

I kindly request you to provide specific details regarding the reasons for the account blockage and limitation. Additionally, I would appreciate any guidance or instructions on the steps I need to take to resolve this matter and regain full access to my account. 

Please note that the email address associated with the blocked account is XXXX. I kindly ask you to communicate any updates, requests for information, or further instructions regarding the appeal process through this email address. 

I am more than willing to provide any necessary documents, information, or clarification to verify my identity and address any concerns that may have led to the account blockage and limitation. I value the services provided by PayPal and would like the opportunity to continue using the platform for my financial needs. 

Thank you for your prompt attention to this appeal. I trust that the matter will be resolved in a fair and timely manner. Should you require any additional information or have any further questions, please do not hesitate to contact me. 

I appreciate your understanding and assistance in rectifying this issue. I look forward to a positive resolution and being able to resume using my PayPal account. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After pulling a copy of my Consumer credit report I noticed TransUnion is in multiple violations and I am entitled to monetary compensation under FCRA 15 U.S Code 1681s-2.

I would like to be removed and compensation paid.

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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA USA has closed my bank and I do not have any online access to my account and do not know how much funds are in the bank. I have called them many times and gotten no one on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: OK
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 submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
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:
XXXX and equifax has my whole credit report XXXX  up see the ftc and all documents to settle my case pls XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX not mine addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Cornerstone Collections in XXXX Alaska ... called and would not give me info, yet wanted my name and I had no idea why they called. Was rude and hostile. Told me after the fact that it was an imaging bill. I am not giving out my insurance info to a stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: MoneyLion Inc.
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was looking at some programs they have sign up for it and all the sudden and then I just automatically got a secured loan. I have spoken with this people more than three times  they agree for me to pay whatever they lend me it was {$130.00} and they will pay off the loan with the reserve on the account and nobody has done anything and I'm still waiting for them to close out that loan they threaten me to put them loan on collection and the loan is not even a month old I need this to be resolved and needs to be fixed. They're violating the FCRA a loan must be 60-90 day 's by law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: PA
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:
The amount is {$89.00}. I got charging case from merchant in XXXX but in XXXX case stop working I do have receipt where is saying that I got 5 years warranty so I try to call merchant numerous times but no luck so I call my bank and file dispute after some time I received a message that this transaction is legit and they can't dispute it I call them they said write us letter to reopen case I did so but nothing so I call and call and call and email but nothing so finally someone from private number call me back and told me to stop calling and email them go my way and deal with a merchant that they will not dispute this transaction. Please help me I know its seams {$89.00} not a lot but its big money form me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Account status incorrect

Complaint:
My credit report shows closed and over 180 days delinquent. The government has been paying since XXXX relief started. How can it be delinquent? Also, my loan was with XXXX XXXX and was sold to XXXX without notification or ability to get in touch with this company. Even if the government wasnt paying student loan payments, I couldnt pay because I have no way to contact this third party company. I am requesting this delinquency be removed for the above reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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 2019-05-28
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX until XX/XX/XXXX, the mortgage loan was in the name of XXXX XXXX, my ex-husband. We are now divorced and I assumed the mortgage through a modification assumption with Select Portfolio Servicing. The mortgage is reporting to XXXX, XXXX and XXXX the 3 bureaus as being delinquent on my credit. 

The modification assumption was complete XX/XX/XXXX. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PORTFOLIO RECOV ASSOC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-10
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Unknown inquiries on my credit 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 2023-02-13
Company: EQUIFAX, INC.
State: FL
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:
On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference XXXX. 

ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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: Account status incorrect

Complaint:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
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 am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; NXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX XXXX : {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally Financial and XXXX XXXX XXXX is and hires fraudulent employees that commit fraud against us as consumers and report false and negative information in order to gain more money after they have been paid in full and saying that Gap did not pay them the claim, and we the consumer have proof that it is paid in full. 
Also, XXXX XXXX is fraudulent company which did not pay the remaining balance from our Gap claim.

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