BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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:
This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Equifax has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Equifax must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Equifax and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My consumer rights have been violated. 15 USC 1681bPermissible Purpose of Consumer Rights, also 15 US Code1681 ( 2 ) ( a ) ( i ) and 15 US Code 1681 ( b ) ( 2 ) ( a ) ( 2 ) In General : meaning unless a consumer reporting agency has my written instructions, you are not to furnish anything in my report. Permissible purpose means with consent and or written instructions. No One had my written instructions to report onto my consumer report!

Account Resolutions Corp has violated my rights and violated the consumer law according to 15 US Code6802 Obligations with Respect to Disclosures of Personal Information, a financial institution is suppose to give me 3 disclosure forms : 1 ) letting me know that they are going to report 2 ) letting me know that I have the right not to disclose this information to the consumer report 3 ) letting me know that I have the right to do so, and how to exercise that right Account Resolution Corp has not shown me any proof that their company has sent me the three disclosure forms, most importantly, where I signed to NOT OP-OUT, they can not provide that proof, because I was never given those documentations. Therefore, my consumer rights being violated! 

This is a violation of the No SUPRISE Act This is a violation of HIPAA Also, in the state of Florida in order to collect an alleged debt, you have to be licensed in the state of Florida Account Resolution Corp is not licensed in the state of Florida, so why are they allowed to report anything onto my consumer report? I demand immediate deletion!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Below was a message I sent to PayPal that has yet to be resolved/replied to : " I tried to sync my XXXX to PayPal, but XXXX asked me to set up my PayPal as a business account. So I did. Then, 1 minute later, my PayPal account was " permanently limited '' ' but gave NO SPECIFIC reason as to why. I read every User Agreement and Resolutions page on PayPal, but there is no answer I could find. I've been on hold with PayPal 's customer support for over 2 hours! I need : 1 ) to unlock my account 2 ) transfer the money in my PayPal to my bank account, asap! There was already a class-action law suit against PayPal where your company had to pay {$4.00} XXXX in restitution. '' I have close to {$500.00} stuck in my account with no way to transfer and get it ou!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Experian Information Solutions 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 the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting 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. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit 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 2022-03-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Bank, you are in many violations and I am demanding you Discover Bank to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies XXXX for never doing their job properly because I disputed this account and XXXX said it was valid. 

So I blame yall XXXX XXXX, so please do not act XXXX when I invoice yall for violations. 

First off, Listen hear Discover, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf.

2nd, I am putting you on notice in regards to the charge off and DISCOVER BANK should know what the IRS says about a cancellation of debt of 600 or more and I am demanding DISCOVER BANK to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from DISCOVER BANK. 

There are various violations this company DISCOVER BANK are in 12 CFR 226.11 - Treatment of credit balances ; account termination. 

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

The executive from Discover, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and Discover Bank is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
2 months ago the bank ( HSBC ) shut my account down. They said that they were closing the banking relationship and that I would receive a letter of explanation and the money held in my account. I have called numerous times and set appointments with my account manager. He met with me on the phone and said that the money and letter should have already gone out. This was a mbout a month ago. Since that meeting via phone, I have set up 3 other phone appointments in which he didnt call me. I have left multiple voicemails which he hasnt returned and I also talked to customer service on several occasions with no resolution. Each time I am told that the letter/check are in processing but they cant give me a date as to when it will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
sent my certified mail and they signed it on XX/XX/XXXX and as of today XX/XX/XXXX I received nothing back from them in the mail. 
They marked it's in dispute on my credit report but I received nothing. I called them today to let them know that I received nothing from them as of today and that this is being dispute and that they signed for my letter. I explained I'm disputing the balance & that I moved out the home in XX/XX/XXXX and they stated the account was disconnected on XX/XX/XXXX. I asked for the documents to validate and as of today XX/XX/XXXX I received nothing Please see my documents for the proof that it's past the 30 days to respond. 

Thanks, 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 2021-11-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My load had been in the Forbearance Suspension. I had missed a few payments but resumed with payments during this time. The suspension ended XX/XX/XXXX ; however, Wells Fargo had been pushing me to do a COVID relief loan for the amount owed even after I told them I was not interested in workout options. I told they I wanted to pay my balance on XX/XX/XXXX and it took them until XXXX to remove my file from their Home Preservation team. In the interim several payments had been made include a payment of {$15000.00} made on XX/XX/XXXX, which set on my account for two weeks unapplied. As of my recent statement there still appears to have unapplied payments. My outstanding balance at the time the {$15000.00} payment was made was {$220000.00}. This payment should have brought my balance to {$200000.00}. In a letter dated XX/XX/XXXX, they said I owed, {$17000.00}. I also noticed property taxes had been paid but I don't think it was paid from the Escrow account as it should be. I do not feel Wells Fargo has applied my payments correctly and now saying I still owe {$5600.00} when I paid $ XXXX of the $ XXXX they said I owed to bring my account current and now wanting to accelerate my loan to foreclosure requesting this amount be paid by XX/XX/XXXX. I want a full ledger of my account. I would also like to receive a ledger of the custodian accounts ( T & I ) and Escrow accounts to be reviewed by my personal attorney.

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 2017-12-14
Company: EQUIFAX, INC.
State: NV
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:
These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXX XXXX. XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " XXXX of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.

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 2023-03-29
Company: Stuart-Lippman and Associates, Inc
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was driving my boyfriend car but the car is registered to me. I was a secondary driver on insurance policy. I was in a motor vehicle accident XX/XX/XXXX. I was hit by a driver and had no fault. The person the vehicle belonged too was not the driver. I received a phone call from XXXX XXXX in XXXX of XXXX stating I will be sued and my drivers license suspended if I do not pay the estimated amount of {$6000.00} back to them that they paid for the other parties vehicle without hearing my side of the story I was out the loop. This accident is on my drivers record and it states no at fault. I notified my insurance adjuster about the claim. XX/XX/XXXX she reached out through email to see if spoke with my insurance company. I received a call from my insurance company stating that they can not make contact with XXXX XXXX and have I spoke with her and I told them not since the last contact. My adjuster stated they will close the claim since they had no correspondence. I was never contacted by the other party insurance company to hear my side of the store that the other vehicle hit my car. I fixed my vehicle on my own. I have not heard anything from XXXX XXXX until today XX/XX/XXXX I received a phone, but I missed and called back and XXXX XXXX did not answer. I do not believe I should pay them back for fixing the other driver vehicle for hitting the vehicle I was driving and I did not cause the wreck. This is an unlawful debt collection and I will like the matter dismissed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: ALLY FINANCIAL INC.
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 Notified Ally Bank that I wanted to transfer my IRA Acct to XXXXXXXX XXXX. 
XX/XX/XXXX, I was told by customer service that I would need to file an application to participate. I did that and uploaded it to my Ally Bank Customer Service. Note : This account has been at Ally Bank for 10 years. Acct ending in XXXX. 
I thought that didn't sound right so I told them I would do a bank to bank transfer. I submitted the paperwork to XXXXXXXX XXXX where I want my account transferred. 
I called Ally bank customer service several times with hold times of about an hour to talk to a representative. The associates were always courteous and tried to be helpful but they clearly have no control over Ally Bank 's corporate delay tactics. 
On XX/XX/2022 was told that XXXX XXXX didn't sign bank transfer request form. I contacted XXXXXXXX XXXX and they said they checked the it had been signed but would resend it. 
XX/XX/XXXX, Ally Bank received the second transfer request from XXXX XXXX 
However they couldn't find the the application to participate again. This time I sent it XXXX overnight so I would have documentation since it had become clear to me that Ally Bank was just delaying and their word is not to be trusted at Executive Customer Relations. 
On XXXX XXXX, 2022 they finally closed my account and deducted an early IRA CD withdrawal penalty fee of {$270.00} which I agree was correct. 
On XX/XX/XXXX, I was told the check to XXXXXXXX XXXX is in the mail. It is now XX/XX/2022 and the XXXXXXXX XXXX has not received the check. 
Please help me to expose Ally Bank. I am XXXX XXXX XXXX, I lost XXXX of my siblings in the past 20 months and I really don't need this additional stress. Elder Abuser?? They have my entire retirement savings out there somewhere. 80 days and counting. A major Bank clearly just delaying sending an old man his money.

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 2020-12-22
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a XXXX days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner/ attorney general office in every district to help me resolve this issue I did nothing wrong. PayPal Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
13 months of covid -pandemic related forbearance. I was given XXXX funds assistance with an approval that was sent to DMI. The payment to my account # XXXX was made by XXXX XXXX sent via ACH which DMI continues to state they Have not received. I have received XXXX confirmations from XXXX all which were sent to DMI and my loss mitigation rep. It's been 34 days since the payment was sent to DMI, mortgage servicer. 

Date : XX/XX/2022 Amount {$62000.00} Account # XXXX XXXX Routing # : XXXX Address : Dovenmeuhle Mortgage Inc Payment Clearing Account Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX indicated the payment included the following Reference : XXXX XXXX XXXX XXXX I need to know why DMI is lying and indicating they have not received this payment. It would be different if they indicated they have the payment and they will process it in X amount of days, but this is not what they are telling me. Confirmations of " no payment '' are done via email.

Company response to consumer: Closed with explanation