BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: NM
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 appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case. 

I want to emphasize that I have always been committed to abiding by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. Therefore, I am genuinely surprised and concerned by the permanent limitation of my account. 

I kindly request that you review my account once more to ensure that there has been no misunderstanding or oversight. If there is any information or action required from my end to facilitate this process, please do not hesitate to inform me, and I will promptly provide any necessary documentation or clarification. 

My PayPal account has been an essential tool for my financial transactions, and its restriction has caused me significant inconvenience. I sincerely hope that after a thorough review, you will find that there has been no wrongdoing on my part, and you can consider reinstating my account. 

I appreciate your attention to this matter and your prompt assistance in resolving this issue. I am confident that a fair investigation will confirm my adherence to PayPal 's policies and lead to the reinstatement of my account. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX  OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.

I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Freedom Credit Card Charged cash advance fee for a yoga class. 
Incorrectly assigns XXXX transactions a cash advance status Charged over {$100.00} in fees. 

Notification setting of card notification setting intentionally misleading. 
Failed to notify of {$10.00} fees on XXXX occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( client name ) and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MS
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 and XXXX  reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. XXXX  has refused to re-investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: ECMC GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector calls me repeatedly and hangs up after I say hello. Sometimes they call multiple times a week and hang up with out saying a word within the first 3-5 seconds of the call. I can hear chatter and the noise of the room in the background so i know there is a live person on the other end. When I call them back and tell them what happened, they say, that shouldnt be happening., but they have been doing it for years now. Sometimes they do this multiple times a week and month, even when I call them and make contact. There is no reason they should be calling repeatedly and hanging up like that. Then when I finally do get to speak when they call me, they claim they have been trying to get ahold of me with out success. Obviously if you hang up everytime, we can not talk.

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 2018-04-19
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is a fraudulent XXXX account posted on my XXXX and XXXX  credit report. As I stated to them before this is not my account and it is fraudulent. I need this taken off immediately because it is not my account and negatively affecting my credit report. On my XXXX  it even states XXXX XXXX XXXX is the direct lender and I have no ties to the company or XXXX. I have never received communications at all from this company either. I have fraud alerts and police reports on file with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting 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:
In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. Chase card and XXXX XXXX XXXX are not my doings. Can you help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: Waterfall Revenue Group
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:
the accounts below, which appear on my credit report, are not mine, please check them. 
Identity Theft N/A Account Number : XXXX This is not mine. 

2. Identity Theft N/A Account Number : XXXX This is not mine. 

3. Identity Theft N/A Account Number : XXXX This is not mine. 

4. Identity Theft N/A Account Number : XXXX This is not mine. 

5. Identity Theft N/A Account Number : XXXX This is not mine. 

6. Identity Theft N/A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine.

3. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 

4. Identity Theft WATERFALL REVENUE GROU Account Number : XXXX This is not mine. 
Identity Theft WATERFALL RE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: OH
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 U.S.C 1681. 

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 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 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 2020-05-19
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am currently on a payment deferment on this lease with VW because of the Coronoa Virus outbreak. They reported me late 30 days last month even though I am on a {$0.00} monthly payment with them. I called to try and fix it and they said they needed to see a dispute before they could fix it. this seems outrageous! please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.

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 monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and 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 explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried calling Experian about credit inquiries I don't recognize and they're claiming I can't dispute hard inquiries but there's quite a few inquiries I don't recognize on there.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yesterday, I received a call claiming to be from Wells Fargo. The person on the line said there had been several fraudulent charges made on my account, listing off several specific charges. It sounded identical to real fraud alert calls I had received from other banks and credit cards. They said that, due to the amount of money being transferred, the FDIC was getting involved and they would have to call me back the following day to continue the investigation. The speaker talked very formally and professionally, so I believed them. The next day I got a call back at the exact time they said they would and they started giving me step by step instructions to recover from this supposed fraud attempt. It seemed like they were asking me to make a wire transfer, but he kept insisting, " Your account is locked. This money won't actually go through. You'll receive an error message. '' But the money DID go through. At that point I sensed something was really wrong. He started asking for my debit card information, claiming he needed it to cancel the card and send me a new one in the mail, but by that point I didn't trust him so I didn't give him the information. Still, he kept insisting that the wire transfer was only temporary and stayed with me on the line for several dozen minutes while I waited for the transfer. I don't know why he wanted so long -- perhaps in the hopes that I would give him more money, or perhaps he was waiting out the XXXX minute period where supposedly you can more easily cancel wire transfers.

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: AL
Product: Credit reporting 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 am requesting my consumer report and submitting the information requested by Experian for the 4th time. I have a right to my credit report and scores and I am being denied that right by Experian using stall tactics to keep my report 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 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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 according with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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. 1681 s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas 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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 recently obtained a copy of my credit report and saw many fraudulent accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS ROBBED AT GUNPOINT DURING A HOME INVASION BY 2 PEOPLE WHILE BEING WITH MY FAMILY. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL INFORMATION, MY WATCH AND CASH. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-26
Company: Ascendium Education Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with Ascendium Ed XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.

Company response to consumer: Closed with explanation