BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my paypal account. I am using my paypal account for my online business ( selling e-books ) since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. And i am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification I attached my valid ID. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: V and H Portfolio
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:
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX, Experian and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Opened mortgage with Specialized Mortgage in XX/XX/XXXX. Payments always on time and refinanced and paid off in XX/XX/XXXX. Specialized sent the release in with the incorrect year of the loan. They sent it as XXXX instead of XXXX. We are closing on our home and the lien is still in the deed because they submitted the incorrect year. We have been calling them several times a day for over 10 days and cant get past the call center to get this typo resolved. Our present closing attorney and the closing attorney at the time of refinance have been also trying to get this resolved. I have even emailed their president, XXXX XXXX, and can not get them to fix their error. They are holding up the closings on the house were selling and the house were purchasing.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: HI
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023

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 2020-06-11
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: Problem with personal statement of dispute

Complaint:
I had a few fraudulent items on my credit report in which I disputed with Experian. i sent them my police report as well. The items were verified as accurate. In response to my dispute results, I sent a certified letter to Experian on XX/XX/2020. Today XX/XX/XXXX, I called Experian and spoke with a representative who stated they do not do method of verification request. I explained to the rep I don't understand how these accounts were verified as me when they are clearly a result of identity theft and I have already proven that with the company. I also stated to the rep that according to the Fair Credit reporting Act I must provide a response within 15 days of your request, which is exactly what I did when i sent out the certified letter. In the fair credit reporting act 611 item ( 7 ) it  clearly States " description of investigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. So Experian is clearly violating the FCRA Act, by not providing me with the method that was to verify the account.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-05-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and Equifax but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things 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 {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} DEPREDXXXX {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}

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 2018-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern On XX/XX/XXXX, I submitted a dispute to USAA, dispute # XXXX. I requested to have my funds recovered due to The XXXX XXXX XXXX not rendering services after receiving payment from me. 

There were two charges made to my USAA account to Attorney XXXX XXXX XXXX : XX/XX/XXXX for {$100.00} XX/XX/XXXX for {$100.00} USAA reversed the credit owed to my account in error. Whoever handled my case did not thoroughly investigate. I wished they would have waited for my response. 

Please see attached receipts paying XXXX XXXX and email sent from USAA regarding credit was to be reverse or debited from my account on XX/XX/XXXX. 

On XXXX, XXXX, XXXX I fired Attorney XXXX XXXX XXXX for lying, not communicating, failure to show up to court, and stealing money from clients without rendering services as requested causing more issues I later had to fix myself. There is an official court record stating I no longer want XXXX XXXX to represent me. This means he has no legal right to work for me or handle any legal matters on my behalf. See attach court document. 

I myself conducted my own thorough investigation and submitted documents to the State Bar of Texas. I also handled all of my legal matters that the XXXX XXXX firm did not handle or had no legal right to handle on/after date XX/XX/XXXX per court document I submitted to the judge. This also cost me additional court expenses. 

The State Bar of Texas found XXXX XXXX guilty. See attach letter received. 

Because XXXX XXXX has contacted me numerous of times demanding for more money via email. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am requesting for a reconsideration of my dispute case. Please see attach emails received from XXXX XXXX. I am unable to open the invoice attach due to the attachment stating its not safe to open but will be happy to forward these emails upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 explanation
Consumer complaint received 2022-05-16
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:
In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
Fraudulent Charges : XX/XX/XXXX and XXXX of XXXX there were a series of 4 charges made in California ( CA ) on my credit card. I called USAA, disputed that charges as I live in New York and was in NY when the charges took place. They were promptly removed from my account. 

Whole Foods - {$29.00} Whole Foods - {$68.00} XXXX - {$6.00} XXXX - {$11.00} Fraudulent Charges Reinstated : XXXX of XXXX the charges reappeared and after calling, I was informed that an investigation took place and based on login activity on my USAA banking app, my IP address showed me in California. This is a flawed method, as I use a Virtual Private Network ( VPN ) that masks my IP address and routes it through other servers ( which will make me appear to be in different locations such as California ). 

Attempts to resolve : I've since called in to USAA on 10 separate occasions. There have been 4 different dispute tickets filed by a member of their Member Resolution Team ( XXXX ) which were supposed to review documentation I provided proving I was in New York, not California ( other credit card statements showing NYC transactions and Google Maps history ). Each time the member of the fraud team states that IP address data shows I was in California and thus the determination that " the member '' ( me ) is liable for the charges. 

Documents provided to USAA ( Proof of me in New York ) : - Proof of XXXX - XX/XX/XXXX XXXX Statement ( XX/XX/XXXX charges ) .pdf - shows transactions from my Chase account for New York restaurantsXXXX public transit ( XXXX  ), etc on XX/XX/XXXX and XXXX of XXXX ( the dates USAA claims I was in California XXXX. 
- Proof of XXXX - XXXX - Screenshot of my XXXX Maps data from XX/XX/XXXX which show me traversing XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
On XX/XX/2023, I disputed incorrect information for serval different items reporting on my credit report. I have yet to received word back from the credit bureaus explaining that they are investigating my dispute. Pursuant to 15 USC 1681i subchapter III they are violating my rights. I have try to resolve the issue multiple times before my first complaint with the CFPB on XX/XX/2023. I'm contacting you again to see can help me resolve this matter. I wish to have these accounts REMOVED from credit report entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spoke with someone from XXXX comenity in XX/XX/XXXX by phone that I was not receiving my statements. She stated it was going to the incorrect email address and corrected the issue. At that time, I had a late fee so she credited the late fee for me. Again I am not receiving my notices and the email address provided is the correct email address that I am receiving all of my other comenity statements to make payment, such as the XXXX card. I contacted the bank yesterday to advise them that I am not receiving my statements causing me to incur late fees every month, although I make a payment possibly the day after every time. I inquired about having the funds automatically taken out each month so that I can avoid these late fees racking up on my account. They informed me that they do not offer that type of service and it is nothing they can do about the late fees. So, as of today, I believe I have two or three late fees on the account that are not really my doing and it is nothing they can do to prevent it. I just want some type of convenience or to have the late fees waived since there is nothing they can offer me to make sure I receive my statements by email on time or have payment automatically drafted. I spoke with my personal bank who can automatically send the payments for me but I do not want to have to pay the current late fees if that be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
XXXXXXXX XXXX XXXX I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation