BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased clothes from a website utilizing paypal and guest. These transactions were on XX/XX/XXXX. The company emailed me notifying me some of the items I purchased were not in stock. I advised them to cancel bother orders. ALLEGEDLY they still shipped both orders on XX/XX/XXXX AFTER I ADVISED THEM TO CANCEL THE ORDERS SINCE MIS XXXX!! over 25 emails. I receive a call from XXXX @ Paypal Executive office on XXXX stating the I should receive the credits back end of the week the tracking information hasn't moved. Then I get an emails advised below. AND STILL NO RESPONSE. WITH {$390.00} IN ITEMS STILL NOT RECEIVED AND ADVISED TO CANCEL THE ORDERS. I did NOTY want them. we are past XXXX and it's been 5 WEEKS good morning, How did we go from almost hour conversation last week that I would have the credits for XXXX and XXXX by end of the week to THIS!!! I have been waiting for this money back since XX/XX/XXXX. 
And I requested they cancel the order WAY before they still sent it when it's past XXXX. And you just stated on XXXX it had no tracking information, which is STILL irrelevant to the fact I advised then more than 20 times to CANCEL both orders and refund my money WEEKS before they allegedly shipped it. 

As we discussed, you requested assistance with two payments you sent to the same merchant, one payment sent from your personal PayPal account ( Transaction ID XXXX ) and a second sent as a Guest Checkout payment ( Transaction ID XXXX ). You filed a PayPal Protection claim on the first payment ( XXXX ) and, on XX/XX/XXXX, I filed a claim on your behalf ( XXXX ). PayPal has contacted the seller by email, requesting information about the transactions including tracking/shipping information. Please note that the claim process can take 30 days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, Transunion, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, Transunion And XXXX made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request Transunion, XXXX and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted TransUnion several times in the past year regarding a collections account from XXXX XXXX opened on XX/XX/2021. I requested if TransUnion could provide me with details about this account such as an invoice, contract, or other documentation signed by me TransUnion failed to respond with any relevant information during the window stated by FCRA requirements. In fact, as of today TransUnion has still not provided me with any details about this debt in the last 12 months. Original balance on this account is {$450.00} and the balance on the account today is {$470.00} each month the balance amount keeps changing.

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 2018-10-12
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 information incorrect

Complaint:
On XX/XX/XXXX, I was alerted to a collection account on my credit report. This account has been paid. The amount of XXXX has been paid to XXXX, The original source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This has caused me to suffer repeatedly and its defamation of my character. I have sent in FTC documents including a police report and these accounts still remain on my credit making it impossible for me to live a decent life. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  Account # XXXX {$5000.00} XXXX XXXX  Account # XXXX {$2100.00}

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 2022-10-13
Company: SELECT PORTFOLIO SERVICING, 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: Account status incorrect

Complaint:
As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX # XXXX, 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 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 2022-11-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is breaking the law again! XXXX is reporting for the past three months that I have made a successful payments!.. its a charged off account! 

XXXX is maliciously coding my account! Delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries that I did not authorize or approve of.

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 2019-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a robo call from portfolio recovery after I had already come to an agreement to settle this debt. They said my file had been reviewed by an attorney and that I still owed the balance that I had settled. They had not updated their system and had not any of what they told me they would do after I submitted payment. When I spoke to a supervisor, they said it was my fault because I had not given them ANOTHER call after the payment cleared for whatever reason that they never gave me. This is still showing as active on my credit report and they did not know when that would be taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
Ive previously disputed account XXXX on my credit report and Experian continues to update the status of the account without verifying its validity and accuracy. Previously it was reported as open now it reports as discharged in XXXX  XXXX bankruptcy. An inaccurately reporting bankruptcy was removed from my credit report as of XX/XX/2023 due to its inaccuracy. Therefore, the reporting of this XXXX account is INACCURATE and is violating my consumer rights and hindering my credit score. Theres no way this account should be reporting as included in a bankruptcy that does not exist or belong to me ( per the deletion which shall remain deleted ). I am in the process of obtaining legal action against Experian for inaccurately reporting accounts on my credit profile.

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 2023-03-04
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
GOODWILL LETTER XXXX XXXX Account Number : XX/XX/XXXXXXXX To Whom It May Concern : XXXX XXXX  Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX. for my One Main Financial account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, since COVID19 things has been very hard, I'm at a point that I'm reestablishing myself. I have a better job and I'm in the process of saving more and I'm enrolled in financial seminars weekly. I'm improving my credit as well and learning money management. Ive had a spotless record of on-time payments. 

Im planning to apply for to purchase a home in the next year and a car as well. This forgiven will help my credit greatly, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late in the amount of XXXX which includes the year and months of late payment. XXXX months includes XXXX. XXXX XXXX, XXXX, XXXX, and XXXX. XXXX XXXX, XXXX, XXXX for my One Main Financial account. 

Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi on XX/XX/2022 Discover XXXX had a glitch in their system which caused double ACH withdrawals out of some people 's accounts. This caused a scary sounding overdraft emails to go to these impacted customers, followed shortly by a scarier sounding debt letter to arrive in the mail ( i.e. your account is now in debt and we are trying to collect these funds ). 

Neither email or letter were true since it was an error on the Discover XXXX side but nonetheless this caused big alarm among impacted customers. CFPB should examine WHY this happened with Discover Bank and what procedures they are putting in place to ensure this does not happen again. I've never had this happen at a bank EVER so how bad is the tech stack back end at Discover XXXX  for 1 ) for this to happen in the first place and not get caught 2 ) for both the scary sounding email AND scarier sounding letter to go out that made it seem the end consumer was in debt to Discover XXXX  which was not true and based solely on an error they made which caused alarm amongst their customers. 
3 ) No apology has been provided by Discover XXXX  although their customer service reps are well aware of it when you call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Santander Consumer USA Holdings 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:
My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: TD BANK US HOLDING COMPANY
State: OR
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:
I've repaired credit score to XXXX. Applied for department store card who uses same ( XXXX ), and paid off credit debts, yet U still got my Application Denied!! Filing a Federal Lawsuit against U,, XX/XX/2019. Truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Financial Credit Service, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by XXXX XXXX of ARA in XXXX/XX/XX/XXXX regarding a debt, unknown to me. I replied with a letter dated XX/XX/XXXX requesting documentation of said debt and never received further communications from ARA until XX/XX/XXXX when I believe ARA phoned my house and informed my son that they had and read to him my social security number. However, when he requested that the caller identify themselves, they refused. Today, XX/XX/XXXX, I received the same letter that I received 10 years ago, also from XXXX XXXX, insisting that I owe {$15000.00} for a debt that I do know nothing about. Ten years ago when I received this letter, I phoned XXXX XXXX ( now XXXX ) regarding the debt, which XXXX XXXX claims that I hold. At that time, they informed me that they have their own in-house debt collection, which makes XXXX XXXX 's claim highly dubious. I have requested documentation and never received it, and they are persisting in contacting me again which is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2022-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
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 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/17.. I did not authorize this inquiry

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