BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought something on PayPal and the other user from PayPal sent me a bill for me to pay. They sent me the bill for XXXX XXXX Pesos and it was supposed to be XXXX XXXX pesos. I paid the XXXX XXXX Pesos and immediately realized I made a mistake. I called PayPal to cancel it. They told me after a few days and the payment posts I can cancel it. After I waited a few days I called to cancel the payment, they told me they can not cancel it. I then filed a charge back with my credit card company. The person that sent me the bill for XXXX XXXX sent my info to PayPal and is trying to get away with a scam. She sent me someone else 's bill and it was not mine. She had listed dates showing 2 months long. I was supposed to stay for 2 days. They then told me they would refund me the money back. I have yet to see a refund and here we are almost 3 months later. I have documentation showing they were going to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint bought my mortgage from XXXX XXXX last XXXX. I provided them with a Declaration of Insurance from XXXX and they had {$4600.00} in insurance escrow to renew the policy which was up in 30 days for renewal. They failed to renew the policy. Never notified me about it. In XX/XX/XXXX Shellpoint had " notified me '' via mail which I never got that they were going to buy new hazard insurance. I never got information on the company, the coverage etc ... 
Fast forward to XX/XX/2019 my monthly payment went from XXXX to {$1100.00} without my permission or knowledge. 
Contacted the company and they have had NO ANWSERS but somebody will get back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
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 2023-08-13
Company: Experian Information Solutions Inc.
State: MO
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. Delete Late payments your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards

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 2022-09-13
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As I stated before with bank of America that my account has been tampering and it has nothing to do with me they took all my money out my account but soon they credit it back I never had chance to get my money out and it go right back into a negetive balance which causing my account to close I'm facing a hardship can't even pay none of my bills I work to hard for the bank to take my money I can't even get my XXXX XXXX XXXX or nothing all I want is my money back I don't care about them closing the account just give me my money back I'm two month behind on my rent all because if bank of America somebody need to pay me for my pain and suffering

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 2022-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND XXXX AND EXPERIAN has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT SOFI ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT EXOOERIAN DELTED IT BACK AND XX/XX/2022 N NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX AND CANT MOVE ON WITH MY LIFE

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 2023-08-13
Company: Experian Information Solutions Inc.
State: MO
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:
15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE LAW

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 2019-07-25
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ( Original Creditor : 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 2021-04-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened an account with Venmo in late XXXXearly XXXX. I used it for several months to transfer funds to/from other individuals. In XXXX, XXXX, a friend transferred {$85.00} to this account. When I tried to retrieve it, I got a message saying that they suspected fraud on my account, and I needed to send them some identifying information ( driver 's license and account statement proving my name is one of the owners ), which I did within 2-3 days. On XX/XX/XXXX, I received an email from them ( subject : Your Final Venmo Statement ) stating that since I had recently canceled my Venmo account, they were attaching my final statement. ( See email and its attachment to this complaint. ) I had not recently canceled my account and in fact, had been trying multiple times to reach them without any success. Over the past eight months I have called their customer service phone line at least 5-6 times and left messages, but got no response. I have also sent them at least 10 emails but no response. If I am interpreting this 'final statement ' correctly, they have transferred my {$85.00} to their Venmo corporate account. This is my money and it should be transferred to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX 's response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX 's response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??

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 2017-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I finally got an email with a link to sign up for a free 1 year of credit monitoring ( XXXX XXXX XXXX  XXXX ). Unfortunately, I am unable to login to my account. My password is not valid. I could not reset. I wanted to freeze my credit report with Equifax. But access to website, and toll-free calls to Equifax have not been helpful. They indicate company is overwhelmed with many requests to do anything to freeze, signup for their TrustedID service, reset passwords, or even request a free credit report. Each day I try to call or go on the internet to contact them is fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-02-07
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account XXXX XXXX XXXX XXXX XXXX I provided the original contract showing that the information on my credit report was incorrect and did not match the original contract. 

Experian keeps denying the original contract which is against the law of FCRA. To willfully allow incorrect information on a consumer report is a direct violation. 

I have provided proof by another Credit Bureau, XXXX that got the same dispute as Experian and XXXX deleted the account because it did not match THE ORIGINAL CONTRACT, I signed with 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