BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had past PayPal accounts which were hacked into due to fraud/scam. The most recent situation had me file a dispute with my bank, which was attached to my PayPal acct. Due to this fraud, that PayPal acct was left in negative standing. 
My daughter, boyfriend and I started a pet sitting service and opened a business PayPal acct. 
Within a short time, PayPal limited that account requesting my daughters proof of identity, ss number and where her products are from and shipped. 
She immediately sent in her photo ID, ss card, and explained for pet sitting services, there is no product or shipping taken place. 
The account, which had money in it was still limited so she called them and they were very unhelpful, saying due to an online purchase she was making, a security trigger happened and there was nothing to be done. 
Shortly thereafter they closed her acct, trying to freeze the funds that were in it. 


I opened an acct with PayPal under my maiden name, XXXX XXXX. Unfortunately there isnt too many online sites like PayPal and *when* it works, it works well. 
I am now facing the same situation as my daughter. It started to become tougher to make online purchases for LEGAL things, couldnt send money to a friend, tried transferring my ( read that MY ) money to my bank acct and today I see my acct is now limited, requesting my photo ID, bank statement, products, shipping and to resolve the acct that due to fraud was left negative. 
I have no issue with providing any of this ... but just my daughter, I already know the end result will be them closing the acct, holding the money thats in there for 6 months while PayPal investigates the matter, which is really just them holding my money. Otherwise I should be entitled to a 6 month investigation report. 

Can they do this? Everything Im reading online says yes, which is ridiculous. Any money I earn I report to the IRS with a XXXX XXXX and in these cases, this was money from friends. 

In a normal brick & mortar building if a bank freezes assets, until they can verify identity ( which ... why would an online purchase to XXXX XXXX trigger them to need my bank statements ), once identify is shown, I should have access to my money. 

As for the negative acct, I can not be held responsible for the fraudulence that happened to it. Where exactly is that acct? Still with PayPal? Charged off ( I.e. written off to help offset taxes ), with another agency for collections? 

The federal government should not let PayPal get away with the things they do ( just XXXX   consumers complaints about their practices ) and need to start demanding answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-08-06
Company: Experian Information Solutions Inc.
State: CA
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 AM FILING THIS COMPLAINT BECAUSE EXPERIAN, XXXX, AND XXXX HAS IGNORED MY REQUEST BACK IN XXXX OF 2018 IS WHEN I FIRST NOTICED THE UNFAMILIAR ACCOUNTS LISTED ON MY CREDIT REPORTS SO I MAILED OFF MY LETTER TO THE BUREAUS ASKING FOR THEM TO CORRECT THEIR ERRORS MY FIRST LETTER WENT OUT IN XXXX, SECOND WENT OUT IN XXXX 2018, THIRD WENT OUT IN XXXX AND MORE LETTERS WENT OUT SINCE THEN REQUESTING THAT THEY HONOR THE FEDERAL LAW-FCRA 611 ( 5 ) ( A ) AND PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. THIS INCLUDES THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I DID SOME RESEARCH AND AS I UNDERSTAND, FEDERAL REPORTING LAWS, PARTICULARLY XXXX XXXX DATA FORMATTED REPORTING REGULATIONS ENACTED AS A RESULT OF THE XXXX, REQUIRES THAT ANY AND ALL INFORMATION OR NOTATIONS ALLEGED BE CERTIFICATED COMPLIANT AS WELL AS FULLY TRUE, CORRECT, COMPLETE, TIMELY, PROVEN MINE AND PROVEN OF MY RESPONSIBILITY. IT IS WITH CLARITY THAT THE SAME LAWS DICTATE THAT NO ENTITY INCLUDING A CONSUMER CREDIT REPORTING AGENCY SUCH AS YOURSELF CAN EXCUSE ITSELF FROM THE RESPONSIBILITIES OR LIABILITIES SHOULD THAT ENTITY BECOME DEFICIENT IN THAT COMPLIANCE OR PHYSICAL PROOF OF XXXX AM ENACTING MY CONSUMER RIGHTS TO HAVE ONLY CURRENT TRUE ACCURATE AND PHYSICALLY PROVEN XXXX XXXX COMPLIANT INFORMATION REPORTING. I DO NOT AUTHORIZE YOU TO RETAIN ANY OTHER ACCUSATIONS OF ADVERSE DEROGATORY NATURE, RETAIN OR RETURN TO REQUISITE XXXX XXXX COMPLIANCE BY YOUR WILLFUL ANNULMENT OF ANY AND ALL OF THE ABOVE LISTED. THANK YOU IN ADVANCE

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NY
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 2022-06-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX : # XXXX : XXXX # XXXX : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX : 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 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: NM
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:
My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, XXXX XXXX, and Citi credit. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to XXXX  XXXX and they have refused to remove the inquiry. I have also contacted Citi bank Home Depot Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.

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 2023-05-16
Company: EQUIFAX, INC.
State: MS
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 has violated my rights 15 U.S.C 1681 section 602 A States I have a right 's to privacy 15 U.S.C 1681 section 604 A section 2 also states a credit consumer reporting agency can not furnish a account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I would like to state that TransUnion is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting, The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. TransUnion is going out and seeking negative information about me, it is an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). TransUnion is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TransUnion did not have a permissible purpose, nor did they have my written instruction to report bankruptcy on my behalf, the consumer XXXX XXXX XXXX XXXX. Transunion, without my written consent, furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX on my consumer report. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report. XXXX alerted TransUnion that Bankruptcy records were deleted from their system and instructed TransUnion to remove the Bankruptcy from my file on XX/XX/2021. It is almost a year later, and TransUnion is still reporting this negative information on my consumer report. I am filing this second complaint because this consumer reporting agency is just violating my rights ; I also attached a letter from the said bankruptcy court in the XXXX XXXX of Michigan stating that they don't furnish anything to the consumer reporting agencies because they know its fraud. Transunion is also in violation of 15 USC 1681a- ( e ), which states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. TransUnion claimed to investigate the dispute. However, they fail to adhere to 15 USC 1681a- ( e ), which it a direct violation of my rights. I would like this Bankruptcy deleted immediately.

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 2023-12-13
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a XXXX XXXXXXXX XXXX XXXX My servicer is EdFinancial. On XXXX XXXX XXXX  I submitted a {$3600.00} payment towards the loan and after a few days it looked to be accepted as the balance went down the {$3600.00}. What was weird is that the money was never taken from my bank account, but I thought maybe it just took a little longer to process. However I just logged back into my EdFinancial account and saw that the entire payment had been reversed and it was back to the original balance. I wasn't even notified, and interest has been accruing on the higher balance again. I did some XXXX and found MANY other people under EdFinancial are having similar issues. I am worried it is fraud in order to either 1 ) accrue more interest so we end up having to pay more and/or 2 ) make it so we don't even know that the payment was reversed ( again, was not notified ) which could lead to late payments in the future if we didn't happen to check the account again. Now I am scared to submit the payment again and frustrated that I am having to pay additional interest because of this.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-28
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/2022 a salesman from XXXX XXXX came to my door and asked to talk to me about Solar panel installation. I was already looking into solar and after extensive conversation and background research decided to move forward with financing the panels through Mosaic. I signed a contract with XXXX XXXX, however no one from their company ever signed or dated the contract. The panels were installed but never hooked up. A few months later i received a letter from centerpoint advising that both XXXX XXXX and myself needed to resign a tarriff agreement as it was filled out incorrectly. I tried multiple times to reach anyone at XXXX and soon found out they seem to have skipped town. I am involved in a class actions lawsuit against them as they have defraded over 100 people between Texas and Arkansas. The terms of the agreement between Mosaic and XXXX was that the first half of the disbursement would be paid upon signing the contract and the second half would be paid after the work had been completed and verified by Mosaic. Mosaic never verified the work had been completed and blindly sent XXXX the second half of the disbursement and are now refusing to cancel my loan even though i have sent them proof that my contract was never signed and even according to the portal on XXXX 's website my installation is only 90 % complete. I am looking to get my loan cancelled through Mosaic as they did not honor their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! 
The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/2023, I wrote XXXX funding exercising my right to opt out of them reporting any information on my credit report, they have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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