BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: OPORTUN FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My ex-girlfriend had opened this account I never knew nothing about it. I didn't find out till a few months ago when I checked my credit report. I contacted the company to let them know hey this wasn't me and that she did this. I actually was trying to press charges against her but she left town. The collector wouldn't work with me said I was lying and I had to pay in full or they would sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Foris DAX, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
No one has been able to access my credit report with Equifax since sometime before XXXX. Other bureaus are fine, theirs says code NH. I can not open a my equifax file for the same reason. I have spoken to the reps and they have not helped, they just tell me to open a my equifax file, which I have explained I have tried and can not. I have tried to explain that I have been trying since XXXX to fix and they are now saying there is a freeze that they will lift, but that is still not fixing the issue. This creates issues as my credit can not be pulled, even by me, and trying since XXXX to fix has not helped. I need a resolution on this and they have not helped at all even though this is a problem on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Auto Loan with account # XXXX, XXXX XXXX with account # XXXX, XXXX XXXX with 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 602 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. 

The follow currently REPORTING Personal information items are NOT EXACTLY as I above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information is The follow currently reporting Personal information items that are NOT EXACTLY the same as the above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information are : REMOVE the display reported Also Known As : ( s ) XXXX XXXXXXXX, A as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is : Your full name : 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 non-monetary relief
Consumer complaint received 2019-07-03
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keeps calling me with a robot auto caller, I have told them several times I am on do not call list, they need to send paperwork through mail, yet they keep calling my pre paid cel phone costing me needed minutes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Premium Credit Bureau
State: FL
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 XXXX XXXX premium credit bureau received my consumer fair protection bureau complaint, where I stated the facts that this company : premium credit bureau ran an unauthorized and unverified hard inquiry on my consumer file with out my consent nor authorization. in my complaint I've asked this company : premium credit bureau to remove/DELETED this hard inquiry from off my consumer file and have it reported to the 2 credit bureau XXXX XXXX XXXX & XXXX  XXXX XXXX agencies that are still reporting this. Under the constitution 15 section 1681 ( I ) in connection with a business transaction that is initiated by the consumer, in terms I DID NOT HAVE NO BUISNESS WITH THIS COMANY and to add on the response from this company : premium credit bureau response on XXXX XXXX is very disrespectful too give 60-90 days too have this removed when its obviously showing that that's its not verified this hard inquiry is causing a " defamation of my character " and I will be taking legal actions against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ECMC GROUP, INC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX  later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX   requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.

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 2022-10-12
Company: JPMORGAN CHASE & CO.
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 this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I paid off my Comenity card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: IL
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:
My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: ALLY FINANCIAL INC.
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, ALLY FINANCIAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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
Consumer complaint received 2019-07-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a company representing themselves as " XXXX XXXX '' regarding an apparent Paypal debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with Paypal as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # 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 2023-10-05
Company: Block, Inc.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. I placed an order for food delivery and the order was cancelled. Cashapp refused to credit my account for the cancellation. 
2. My settlement amount with XXXX was lower then the original amount charged after I spent the {$20.00} Cashapp made my account negative stating I owed them. 
3. I get direct deposit and ATM fees are supposed to be free, Cashapp refuses to honor this and every time I call they provide a different excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXXXXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.

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 2021-03-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake but I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I use PayPal for XXXX  ( 100 % rating, no negative reviews ) as well as an intermediary for Coinbase ( PayPal is the only way to withdraw from Coinbase ). My email linked to my PayPal is XXXX. 

I've tried calling PayPal 5 times ( now the automated response says my account can not be discussed by phone ), I've tried reaching out by XXXX ( put on a 'first come, first serve ' list where my position has never come, I've tried emailing every email address I've been given to seek more information on why my account has been permanently limited and why I've been blacklisted from PayPal . I've tried using PayPal 's Message Centre which gives me unhelpful automated responses to which I can not reply. I have thousands of dollars locked in PayPal and will continue to pursue what's right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from a collection agency called CBE stating I have a outstanding account regarding XXXX  XXXX more than 8 years ago. I had settled and paid 9 years ago my debt with another agency. 
Now several years later I receive a call from CBE stating I still owe and they are a third party that the debt was sent from XXXX XXXX. 
I called XXXX  XXXX  which is now XXXX  and said they dont have anything open. 

They ( CBE ) want to charge me the same amount as 14 years ago {$730.00} I advised them this is a scam and I have checked my credit report and this is not appear of anything delinquent including this has been more than 10 years This needs to be investigated https : //www.cbecompanies.com/cbegroup

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.

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 2023-06-02
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: 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.

The letters are stated with items and issues. 

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 2022-04-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent multiple validation requests including statements stating that the only accepted correspondence is email or via Mail to Jefferson Capital. Instead they have refused to validate the debt and they have begun to call a number from over 13 years ago that belongs to my XXXX XXXX XXXX grandma. They are calling her multiple times a day and leaving messages. They are not identifying themselves and I have not lived there in over 13 years. The fact that they are ignoring my requests and are now harassing a XXXX XXXX XXXX woman is disgusting. In addition, due to not being able to validate the debt and reporting incorrect information across all three bureaus is grounds from removal from my credit report. I collect protected veteran XXXX benefits and this company is infringing on my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: ALLY FINANCIAL 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: 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

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