BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My XXXX business has a PayPal account. I recently added functionality to our account to sell services through Paypal, and set up a temporary sales site to host a sale we are having. I wanted to make transactions easy for my customers, instead of using our regular management software, which requires them to set up an account, and go through a lot of steps. Paypal held our funds as a " new vendor '' saying that I needed to confirm my phone number ( which I did ), link and confirm a bank account and a card ( which I did ), and have at least {$200.00} in transactions ( which we exceeded ) as well as a certain number of transactions ( which we exceeded ). I called to ask if there was any way to expedite releasing my funds, and I spoke with someone who took information about my business such as the website, how much we expected to be bringing in, and the nature of my business. He said he was sending it to their back office. The next thing I know, I am being asked for every piece of paper my business has ever needed : incorporation papers, license or accreditation, financial paperwork, etc. AND that it would take them 5 days to review. I can not operate my business when ALL of the funds that are rightfully mine are being held. I seek help and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the investigation with items on my credit & its been well over 30 days.

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 2023-07-26
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:
PER 15 USC 1681B THE BUREAUS ARE BREAKING THE LAW BY FURNISHING FALSE/WRONG INFORMATION ON MY CREDIT FILE. THE ACCOUNTS ARE NOT MINE AND THEY WERE A RESULT OF IDENTITY FRAUD/THEFT. TRANSUNION WAS THE ONLY COMPANY THAT WAS ABLE TO VERIFY THAT THESE ACCOUNTS ARE INDEED FRAUD SO XXXX AND XXXX NEED TO GET WITH THE PROGRAM AND PROPERLY INVESTIGATE.

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 2017-05-16
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
It 's over th e 7 y r statue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I ca ll I co ntinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 m ore yrs t

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 2021-12-17
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Failed to conduct a proper investigation and has not responded to my requests in a timely matter. It has been over 30 days since I have requested a investigation. Ive sent multiple letters and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 XXXX XXXX UNAUTORIZED HARD INQUIRY XXXX  XX/XX/2021 XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY.

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 2021-08-10
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We mail th e Seterus mortgage  payment between/on the   XXXX   on the month since the due date is the  XXXX . It is mailed in the  Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the  Seterus  always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I   do n't want to pay online nor should I have to be forced to pay online.    Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on   XXXX   XXXX  . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the   XXXX   payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why  wo n't Seterus appl y the correct payment on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has failed to close my month to month policy which I took out XX/XX/XXXX which I cancelled once I got new coverage. 

The policy was month to month so if I didnt renew there was no coverage. So I saw no need to renew if I didnt pay for the next month. 

XXXX XXXX has reported adversely in my credit report and sold the account to : UNIVERSAL RECOVERY CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and have reported negatively on my credit for {$320.00} as of XX/XX/XXXX claiming that the account was opened XX/XX/XXXX by XXXX XXXX. 

I have disputed with XXXX  to delete this multiple times and have requested PROOF OF DEBT from Universal Recovery and have received none. 

Can you assist on getting proof of this debt? 

Thank you in advance for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Affirm Holdings, Inc
State: GA
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 account is not mine and I'm a victim of identify theft. I reported this account was unauthorized on XX/XX/, The Creditor has stated that the account was authorized and closed the account. This account has been paid for due for the sake of my credit report. This Merchant has reported this account delinquent on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 at XXXX am I received a call from ( XXXX ) I was at work so I ignored the call assuming it was spam as I did not know the number, however they called back immediately and when I answered I googled the number seeing that is was my local Chase bank. The caller informed me of fraud on my husbands debit card and ran through the usual were sending out a new car we've removed the charge and sent a XXXX time pin to be used to send my husband out a new card, I then informed then we would be traveling out of state the next day and to make sure our accounts did not get frozen as is usual with strange activity. On XX/XX/23 I noticed a {$2000.00} charge on our savings account as we do not take out of out savings I thought this was strange so I called chase and reported it along with XXXX other claims of XXXX and XXXX Chase denied the {$2000.00} and the for smaller claims totaling {$1400.00} stating it was money I had authorized to leave my account and that someone physically went into the branch and withdrew that money on XX/XX/23, without an ID this should not be possible, and considering my husband and I were out of state on XX/XX/23 to XX/XX/23 it would have been impossible for either of us to go into that branch and withdraw any money. Therefore on XX/XX/23 whoever went into the chase bank in falsely posed as my husband or I to gain access to the account and help themselves to {$3400.00} that we have worked to accumulate. As Chase has decided to laugh me off the phone multiple times and tell me it is my own fault I was scammed by someone using the same number registered to my local Chase branch to gain access to my account I have decided to escalate the situation. On XX/XX/23 we have an appointment to discus this in person at which time I also plan to file a police report, though Chase customer relations has stated they will not refund our money regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I saw on my experian report a dept from Vance & Huffman LLC on XX/XX/XXXX for the amount of {$12000.00}. I wrote to experian requesting for them to verify and send the instrument in how this dept was verified. All they would send back was that it was verified. I mailed a letter XX/XX/XXXX and XX/XX/XXXX. I wrote to the collection agency and they never sent back any documents verifying the debt XXXX and XX/XX/XXXX they ignored my request documentation and they failed to remove from my report. 

I also called and reported to experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they kept saying the dept was verified but never supplied the documents being my signature or showing i personal entered in to a contractual agreement with them. 

My house had a fire in XX/XX/XXXX and my famiiy was moved out of our home for 9 months with all of our personal items being boxed up by a third party company I added the fraud protection to my report after I had several things Pop up on my report that I never applied for or received money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXX XXXX XXXX has violated my consumer rights. XXXX XXXXXXXX XXXX has violated my consumer rightsXXXX XXXX XXXXXXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be METRO2 COMPLIANT and resolve their reporting Innaccuracies.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Dear sirs, I buy cryptocurrencies In COINBASE.COM in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ). To do this, prove my identity correctly according to the strict requirements of that company. 

Specifically i buy XXXX in XXXX tokens. The reference code is XXXX. 

And for six months, for a reason that the company does not clarify me, my account is restricted. 

I can log, view information, change my password, etc., but I can't operate. As a result, I can not send my cryptocurrencies to a more secure wallet, or even sell or buy on my platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
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 did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX LOANS.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Chase Bank card is linked to my XXXX. I was paying for a service through cashapp and sent funds to the companies phone number. XXXX XXXX allowed someone else to create an account with that phone number so the funds went to the wrong person. I reached out to XXXX as soon as i told the company the money was sent and they advised they did not receive it. XXXX advised that they could not return the money because it was already deposited into the persons account who received it and i would have to file a claim with my bank which i did. I reached out to XXXX XXXX support through their chat option multiple times and one of the representatives advised that the charge was declined by my bank and may show pending for a while but that it would dissapear in a few days. I have proof of this conversation and i asked when i filed the claim if i could submit the documentation and was told nothing was needed. At the time i filed the claim with my bank i advised them if they needed anything further from me i needed to know before hand because i didnt want to run into any issues with them denying my claim and taking the money out again without me knowing because depending on my payday its unknown how much funds would be in my account. They stated they didnt need anything else and if they did they would let me know. I have not received any phone calls from the bank, no email nor voicemails or notifications regarding the claim. Today i check my account and its negative!!!! They reversed the conditional credit and now my account is negative which is my main financial source i have no funds for gas to get to work no money for anything and i am a single parent with XXXX kids!! My direct deposits are always over 1,000 dollars and you would think the bank would do right by its clients. Some random person has my {$140.00} and now my account is negative and i could possibly lose my job since i cant even get gas to make it to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: NY
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, XXXX & XXXX is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2022-08-14
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 XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an 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 explanation