BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
State: TX
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 has permanently limited my account for no reason and did not give me an explanation whatsoever. Along with thousands of other sellers on an online marketplace known as XXXX XXXX, a PayPal account must be used to compete transactions with regards to both buyer and seller safety. I have never interfered negatively with XXXX acceptable use policy and have records to prove my transactions, shipping labels, proof of delivery, and genuine reviews from my buyers. After contacting PayPal regarding my situation, they failed to help me and instead gave me a very vague response, not answering what I really asked. My PayPal account is associated with my email, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
State: GA
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 with XXXX for no reason an will not help me with getting it back up and Im am not sure if this is some mistake I assume it has to be I have not been able to get no help from them an it has been months but I just remembered I could file a report on here as I feel they are not doing there job properly and it is affecting me a great bit my email linked to the account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

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 2021-06-29
Company: EQUIFAX, INC.
State: MD
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:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America has reported checking account fraud to XXXX XXXX Consumer Services on an account where Im listed as the joint owner along with my son. I had this account for 5 years without any incidents of this nature or any incidents remotely close. If I committed fraud, why am I still allowed to have an open account with BOA with no restrictions? I have yet to receive any written or clear precise verbal communication as to what exactly took place with the account for Bank of America to make the determination that I committed any type of fraud or that fraud was committed at all. In XXXX, I visited the local BOA branch in my area and was told by BOA representative that the risk customer service department will only be able to provide information in regards to the account. That has not happen. I have contacted BOA over 6 times regarding this information and I only keep getting the round around no direct answers as to what happen. I have disputed this information through XXXX XXXX  and BOA has responded with the information is accurate and indeed it is not and this comment is on my account preventing me from obtaining employment in my field of study of accounting where I have received my degree. I cant open an checking account because of this information. This experience has been a total disaster. Im at a road block and dont know what else to do. I want BOA to provide the specific details as to the reason they have place those comments on my report and to prove fraud occurred in the attempt to defraud their company. I want this comment remove my consumer report so that can continue on with my life. This situation has been life altering and I have done anything wrong to deserve this. Im humbly requesting assistance with this situation to help get this resolved expeditiously.

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 2020-08-28
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello. 
Ive made several calls to PayPal credit in an effort to correct my access to their online statement feature. The last time I contacted them, which was XX/XX/XXXX, I was shuffled back and forth between their customer service representatives and their IT department four times without any resolution to this ongoing problem. The PayPal customer service representatives informed me that their IT department was equipped to correct the issue ; however when I spoke with their IT department they informed me they could not and connected me back to the CSRs. This went on for about 30-40 minutes. During my conversation with the fourth individual from PayPal I informed her that I planned to discontinue using my Auto Draft option after this payment cycle ( payment due on XX/XX/2020 ) and wanted to be assured this auto draft would go through as scheduled. She assured me this wouldnt be a problem and it would be processed as usual. Given this past experience with PayPal I reviewed my checking account on XX/XX/2020 only to find that PayPal did not process the payment. Realizing this needed to be paid I completed a phone in payment for {$100.00} versus the required monthly payment amount of {$57.00}. Fast forward a week or so and my next PayPal statement arrives via email. The next payment amount increased from {$57.00} to {$87.00}. Concerned why this would occur I contacted PayPal. The rationale given by the PayPal CSR was that a {$30.00} late pay charge was applied to my account and the late payment was reported to the credit agencies. With some level of disgust I explained what occurred on their end with the auto pay and my lack of access to my online statements. He had no interest in assisting any further and kept repeating that PayPal doesnt control the auto drafts. I left the call no closer to gaining access to my online statement or understanding why I was told the XX/XX/2020 payment was not auto drafted by PayPal. Any assistance you can provide in resolving these issues with PayPal would be greatly appreciated. Thank you in advance.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: AK
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:
This is not mine : XXXX Inquiry added on XX/XX/2020. 

Also I've never had any account with 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 2021-06-29
Company: EQUIFAX, INC.
State: TX
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 ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( QWR ). SLS did not respond to my specific demands. Most recently, I have requested that SLS send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. SLS. SLS assumed the servicing rights from XXXX XXXX XXXX, who also would not respond to QWR requests. XXXX is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.

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 2021-06-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Receivables Performance Management, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} Rpm ( RECEIVABLES PERFORMANCE MGMT ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened on XX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again

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 2020-08-28
Company: Experian Information Solutions Inc.
State: NE
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:
All three of the credit bureaus appear to be sending out very negative information, possibly unsolicited, to credit card companies. This caused my credit limit to be lowered. I have never missed nor been late with a payment and had been making good headway into the debt. The credit limit was lowered on a XXXX XXXX XXXX card causing the utilization to shoot up to 94 %. This is going to negatively affect other cards. I feel this is being done maliciously and with intent to hurt minorities during Covid. I  have never missed nor been late with a payment.

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 2021-06-29
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
I applied for a credit card with my social security card. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. COMENITYCAPITAL/XXXX  and COMENITYCAPITAL/XXXXXXXX inquiry needs to be removed from my consumer credit report because I used a credit card in this transaction, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692.

Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
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: Information belongs to someone else

Complaint:
XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID FRAUD ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORT # XXXX XX/XX/2020

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 2021-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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:
On XX/XX/XXXX, Equifax announced a cybercrime identity theft event potentially impacting approximately 143 million U.S. consumers, I was one of those affected. Equifax exposed my SSN, address, name, DOB, and potentially other information to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To Consumer Bureau : This complaint is directed to The office of Consumer Affairs Equifax I place several complaint about this organization. To this day I have not receive any notification of the many many violation they have committed. I have document every papper since I have been under " OCA to repair my credict file '' My point here is they need to be investigate I swear they are abusing their power if your organization does not place any investigation them who will? if CFPA does not then you are giving them the necesary tool for their representation and granting them the rigth to treact United State Citizen. Shame on then when responding to the complaint as they really are working on something? Does this sounds fixing my file and reporting accurate information when this is the fact : They have block m, y phone number to place calls to then in other words they not sure how they did it but I ca n't not longer call from my phone line if i do then there is a message your call can not go true. They have block access to my file when I repedatly explain to them that I was in the midle of job hunting for consulting work so my file dissapear unless I calll and then they will release it it is crazy. My life is at theeir mercy what I am a criminal? No scores Incorrect names not mine place permanently of file with incorrect social security number. denied me to tell me the source that is reporting it. Saying that is correct how is impossible. did they show any identification that proof that? I know there is not unless is fradulent created. So if this sound to you that they are woroking on my file, I let you be the judge for that and if feel there is a violation I will beg you to investigate. I am not the only only one with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Please note I have been working on a few accounts that have incorrect and out dated information reporting. Even parts of Experian 's response indicates the accounts should be removed this month but yet they still report. XXXX XXXX partial account number shows XXXX ... shows it was 180 days as of XX/XX/XXXX but nothing prior to that and it's a very old account. There are two XXXX XXXX both showing a partial account number of XXXX that actually state they are to be removed XX/XX/XXXX and yet they are still reporting. Two XXXX XXXX XXXX partial account numbers XXXX & XXXX should both be removed. Account number XXXX only show the account was charged off in XX/XX/XXXX but not when it initially became late. Note all of the above accounts the first delinquency occurred in XX/XX/XXXX there for making it 7 years. There is also a XXXX  XXXX XXXX account that shows the first delinquency in XX/XX/XXXX again past the statue and the partial account number is XXXX. I really need your company 's help with getting them removed due to the statue of limitations.

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 2021-06-29
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
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:
Paid debt in full to XXXX XXXX in XX/XX/2021 - this debt was also in collection 's agency @ Eastern account systems. Both parties were involved, I notified both parties nd both parties continue to report inaccurate information and refuse to update as stated 90 days was the limit for Eastern account systems, this status should have been updated and reported as paid in full as of XX/XX/2021. I have reached out to Credit agency, XXXX, and both parties disputing information-current status of reinvestigation states unpaid as of XXXX despite bank statements and emails submitted as proof of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation