BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I received a payment from a customer and PayPal withheld 50 % of my payment for no valid reason. PayPal 's policy states that if I exceed payments received by XXXX USD, which has not happened. 

and they do not give me an explanation of why they withhold it if it was a service performed, the attention by call never enters and in message they did not answer my question. 

I ask you to please help me because there is no reason for them to hold my money for 21 days or 7 days as they say. 

I will appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Strategic Alliances, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First Financial Management called me on or around XX/XX/2020 and reported that I owed a debt for an automobile accident that I had no fault in nor was I ever sued for taking part in. I never once received any attempts to collect a debt and was told that if I did not start a payment plan right away my license would be suspended immediately. I made it a point that I wanted written communications about the payment I made for XXXX on XX/XX/2020, as well as, the judgement decree of the charges I owed. Prior to this phone call the company verbally harassed my husband multiple times, who was not aware of any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions 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:
I personally have sent mulitple disputes for a collections account ( including via Certified Mail ) to Experian in XXXX and XXXX of 2023. 

The collections company, XXXX XXXX XXXX reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and Experian is required to remove any information that is not true, accurate, compliant, and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Associated Credit Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern On XX/XX/2023 I've signed up with XXXX credit reporting agency for a 30 day trial to see whats in my credit report. I saw that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX have placed a negative credit on my file without them notifying me of the debt and my rights respectively, immediately I contacted them and they said that they did send the correspondence to my old address, so I told them that I've moved to another State " and you ( ASSOC CREDIT SERVICES ) know about it because National Grid told you so '' they dismissed it that that's not there problem. I told ASSOC CREDIT SERVICES that I have communicated with National Grid by email only and I only paid them online ( they did send me statements be mail as well ) however any notification has been sent by email only, and you got from National Grid my cell number and email address because it's on file there, but didn't attempt trying to reach me, they rather had everything done on autopilot thus screwing the customers in the process. 

On XX/XX/XXXX, I've called ASSOC CREDIT SERVICES to complain about it and was told that they will look into it, and on XX/XX/XXXX I called and spoke to XXXX XXXX and then to Supervisor XXXX XXXX XXXX they both told me that they are not going to work with me. Additionally they've refused to send me correspondence to my current residence. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Theyre trying to collect medical debt for me from XX/XX/XXXX or XX/XX/XXXX and I have made several attempts to contact them through a credit attorney and me personally and with it continue to leave messages and send letters about a medical debt this year and Ive had XXXX since XXXX and I provided my medical insurance when I was at that hospital XXXX XXXX XXXX.. I dont owe them anything XXXX XXXX has already been paid And if it doesnt work which it should I was so also if I didnt have insurance that the presidents or the Congers cares act with pay for medical service consider that I had 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 2024-01-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XX/XX/XXXX - and before this date : Working Truist/BB & T Mortgage to get a modification and mortgage assistance. This is the 3 rd compliant with the CFPB and requesting assistance from your agency for a margin to assist with Truist Mortgage. I have asked you for assistance, but you continue to let them send me letters and tell me that there is no assistance. There is always assistance when it comes to homeowners and theyre not really trying to assist me. They just want to take my home so I need assistance and this workaround there is no way that, you can tell me that some liens that are not even part of my home, or the attached to a business from the IRS will prevent me from modification when in the past, I have had another property assisted with a modification and didnt hear anything about the lanes and its the same kind of loan so its just mortgage company that does not want to assist and help me. They just want to do a short sale.

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 2023-03-17
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Request # XXXX Representatives refuse to get me in contact with Supervisor after uploading docs on several occasions. XX/XX/2023 If my Venmo account closes between now and the end of the day they are simply retaliating because I requested to speak to this representatives boss ( XXXX XXXX ) He asked me for a bank statement that shows my card information he must be from a third world country because card information does not show on your bank statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo refused to allow me to withdraw from my account and did not follow Wells Fargo protocols and showed discrimination. I have been a customer when Wachovia changed to Wells Fargo bank. I was disrespected by the XXXX XXXX and her branch manager located at XXXX new XXXX XXXX XXXX has XXXX. 
Upon going to withdraw I presented my ID for XXXX withdrawal from my account. The teller called over XXXX who was very rude. He was on the second security question to access my account and she rudely interrupted the teller never completed the XXXX security questions which failed protocol. Me XXXX then asked if there was a RECENT name change and the answer was no because the name on the Drivers license was the same name that was on all of the statements that come monthly for all accounts and is also the same name that was transferred over from Wachovia to Wells Fargo so there was no recent name changed as they have been wells Fargo for many many years. The banks management continued to refuse the withdrawal. The bank also failed to ask for another piece of identification such as another credit card from another merchant. They only asked for a Wells Fargo card which was not available if they looked they would see that the debit card is never used. I also pulled up online so they could see that it was me. I then asked if they could send a text verification to my phone they denied this as well. Leaving disappointed and discriminated against, drove home got the wellsfargo credit card matching the drivers license and the the name that was on all wellsfargo accounts and bank statements and was still refused a withdrawal from my own account then spoke to the branch manager which tried to change the words that were spoke by me XXXX and that really upset me. Im not illiterate and know exactly what he was doing. I presented both the drivers license and wellsfargo credit card to the branch manager he also refused to allow my withdrawal after the two trips to that same bank he too also denied sending a text to my phone to verify my identity and was extremely rude in and trying to change my statements I am not illiterate and do not appreciate the mistreatment they acted as though I was stealing my own money even though I verified myself in several ways. This occurred on XXXX. Please investigate this discrimination of this bank. 
Also, there is plenty in the accounts there was no reason to withhold my money from me.

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 2020-12-19
Company: Experian Information Solutions Inc.
State: NC
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 disputed an incorrect XXXX XXXX XXXX that was reporting on all 3 of my credit reports. I also reached out to XXXX directly via US Postal mail and received no response. In the middle of disputing the inaccurate reporting, I was informed by my State Attorney General 's office that my original contract with XXXX had been voided due to a class action lawsuit against XXXX by the State of North Carolina and many other states. Per the order, this account was to be deleted from all 3 of my credit reports. I filed additional disputes with all three bureaus, XXXX, XXXX and Experian. Both XXXX and XXXX deleted this account from my credit report but Experian continues to " update '' this account. I have asked Experian to send me whatever documentation they have that absolves them from deleting this account that was involved in litigation and has a court order attached. They fail to provide this information and continue to report this account illegally. I mailed a direct dispute to XXXX on XX/XX/2020 requesting a 1099A, Bill of Sale, and original contract and never received a response. I filed disputes with Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they continue to update the account even after violating my rights from the very beginning by not listing that this account was in dispute. I even sent Experian the court order in regards to the lawsuit that states that this account has to be deleted.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hard Inquiries 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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Good Afternoon I'm customer of Coinbase. 

Since 2023 XXXX I can't to access into my personal account. When I introduce the XXXX digits generated with the XXXX XXXX XXXX I can't to access to my account. 


I have been a customer for a long time and this has never happened to me. 

I have complained many times to Coinbase but unfortunately I still can't to access to my account. 

Thank You very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: QC HOLDINGS INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
While coming into this location today I entered trying to pick up a XXXX XXXX. The representative was immediately rude " XXXX '' I believe was her name. She told me I needed two forms of ID in which I informed her I was just at that location and helped two days ago by the representative sitting right next to her. She immediately started to have an attitude putting her hands up as if to tell me to XXXX XXXX then literally telling me it doesn't take all that. I told her she was being rude and she continued a banter back and forth which led to a full argument. She began to tell me that she was going to look into the records to find out where I lived. As I left I told her she was rude and that she walked in the store through the door like everyone else to emphasize we are all human beings and she then to go back and forth calling me a " XXXX  '' word repeatedly and saying she was going to find out where I lived. I perceived that as an immediate threat and breach of consumer records and I told them I was calling the police which I did. The manager did nothing to tell the worker to stop cursing me out and threatening me and she then told me to leave the store even as her employee was cursing me out in which she sounded as if she was on drugs or drunk. I found this even more frustrating as I called the customer service line and had the operators bounce me around to random voicemails and claimed no supervisors or managers were available. I have never been spoken to in such a way. I informed the manager that I would be reaching out to have the corporate offices pull the audio and video. When I asked the manager if the cameras also record audio the manager refused to answer the question and allowed the worker to continue to rant at me and call me a " XXXX ''. I can not believe I had my life threatened and a worker flat out say in front of her manager that she was going to go into the records to find out where I lived.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2018-09-04
Company: SYNCHRONY FINANCIAL
State: NJ
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:
On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from Synchrony Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called Synchrony Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call Synchrony. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 response to consumer: Closed with non-monetary relief