BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: KY
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 hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request a thorough re-evaluation of my case. 

Firstly, I want to emphasize that I have always strived to comply with all of PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. I value my PayPal account for its convenience and security and would never jeopardize its status. 

I understand that PayPal takes its policies seriously, and I respect that commitment. However, I firmly believe that this limitation may have been imposed in error. I would greatly appreciate it if you could re-examine my account 's activity and reconsider this decision. My intention is to continue using PayPal responsibly, in full compliance with your terms of service. 

In light of the above, I kindly request that you initiate a thorough review of my account. If, upon review, you find that there has indeed been a mistake, I respectfully ask that you reinstate my PayPal account. Regaining access to my account would greatly assist me in managing my finances securely and efficiently. 

I am truly invested in resolving this matter amicably and hope that PayPal can provide the opportunity for me to clarify any concerns or issues that may have led to this limitation. I am ready to cooperate fully and provide any necessary information to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and the possibility of having my PayPal account reinstated. Your assistance in resolving this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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:
This is my first 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: W&A Intermediate Co., LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 someone stole my identity to receive emergency services at XXXX XXXX XXXX XXXX account number XXXX. I have notified all parties that was medical fraud. But they can continue to harass me. Wakefield and associates also XXXX XXXX  lol llc. I have never been to Arizona in my life. I have always lived in New York XXXX. The original address used at XXXX XXXX  was torn down 10 years ago. The original creditor did not do there due diligence to verify the correct identity of there patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : 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 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Attempted to withdraw funds from my PayPal account to my bank account. Transfers typically take 3-5 business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

PayPal Transaction ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX  XXXX Balance : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MS
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:
This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
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: Account information incorrect

Complaint:
Discrepancies in reporting on one account being reported twice on all three credit bureaus : Original Balance : XXXX and XXXX Terms : 66 months and 68 months Paid Closed/Never late and Paid/ Closed on XXXX. Reported differently on XXXX then Equifax and XXXX XXXX. 

Requested validation as shown in documents attached. 


XXXX XXXX XXXX XXXX has the same account reported twice. Inaccuracies with original amount of loan, payment history, terms are different. I had only one lease which being reported twice with the same account number but inaccuracies with the items mentioned above. Violation by the credit bureaus and XXXX XXXXXXXX XXXX XXXX  reporting inaccurate information that has substantially hurt my score.reported as paid and never late on XXXX and reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2020-11-19
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 am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the 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 Commissions ifentity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Convergent Outsourcing, INC dated for XXXX XXXX, The letter stated they were trying to collect an alleged debt originally from XXXX in the amount of {$400.00}. I have never had an account with XXXX, I asked Convergent Outsourcing, INC to validation the date. I sent letters requesting validation on XX/XX/2023. Convergent Outsourcing, INC has yet to provide any documentation to confirm any debt owed to 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 2022-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has dumped tons of fraudulent accounts on my credit reports and these accounts were moved years ago and all them were placed back on them the same time time same month in middle the summers I have been sending documents and police reports and FTC reports at my own expense and Im seeking legal actions with this bureau they never fixed my credit reports and hanging up my phone calls and didnt remove any bad accounts off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CORELOGIC 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:
On the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

XXXX Mortgage ( " XXXX '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to XXXX providing any of my personal identifying information to anyone. XXXX never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized XXXX to upload any of my personal identifying information to the CFPB XXXX, which was contained in a document described as a " Credco XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to CoreLogic Credco and the CFPB violates my privacy as well as Federal and State law.

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 2023-12-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Friday, XX/XX/XXXX, I submitted a transfer request on my online account to transfer {$6000.00} to a bank account in my name that I had verified by confirming 2 small deposits. On Monday, XX/XX/XXXX, I attempt to sign in to verify the status of my transfer. My account was locked, and I was instructed to reset my password. When I attempted to reset my password, I was told to call. I called Ally, and after a 30 minute cal, I was asked to verify information about my account. I provided all of the requested information. As the call was ending, I was told that the account is under review for activity, and there is no additional information available. When I asked how long the review would be in place, I was told that I could not be provided this information. I was told to call them for updates, but they would only contact me if they needed more information. 

The {$6000.00} is a loan from my parents to pay my payroll on XXXX. Now, my account is locked and I have no guarantee that the funds will be released or when the investigation will end.

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 2023-05-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are not my inquires, I did not give these companies permission to use my credit, I am not responsible for 12 hard inquires on my credit report, according to the credit law these 12 inquires have to be taken off 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: QUALITY ACCEPTANCE LLC
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: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: LA
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:
BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NV
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 confidentality under 15 USC 1681 Account name 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 have 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.

15 U S C 1681c ( a ) ( 5 ) Section states no consumer repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.

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