BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
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 discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I thought part of the American dream was to acquire, obtain, and maintain credit. It is what helps each citizen here experience the most fulfilling experience in this country, so when I applied for business credit as well as personal credit I had no idea Chase ( Card Services ) would be pulling my credit ( giving me a hard inquiry ) and making decisions on my account based on what I am doing outside of paying Chase on time, frequently, and with minimal issues. I believe this to be a violation of FDCPA 1692 D as i am considering legal action in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: HW Holding, 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:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX  report and {$4400.00} on my XXXX  report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and XXXX  to have the inaccuracies removed, I found that XXXX and XXXX  continuously and knowingly intercepted inaccurate information from debtor ( s ) Hunter Warfield Inc., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX  and XXXX failed to compel said debtor ( s ) to provide proof that the account was opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently pulled my credit Reports, And I discovered that XXXX XXXX XXXX # XXXX Account was still showing as delinquent for 30 days I would like to see about getting updated Account information Because I noticed that the account was reported 30 days late Although I was consistent with my account and it was a switch over With purchasing cars It should have never been on my report. 
Per section 609 ( a ) ( 1 ) Of the Fair Credit Reporting Act, you are required by federal law to verify and All accounts posted to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This delinquent account record is inaccurate and I request that the following account be validated and properly removed And I requesting Updated information into 30 days. I have also supplied proof below in the documents I also have several telephone numbers An incorrect addresses listed on my account as well Which needs to be removed XXXX XXXX XXXX Multiple name spelling as well I am in the opt in system to give correct name and current address

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 2019-12-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
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:
HSBC ( XXXX ) has not resolved an issue first filed XX/XX/2019. They need to investigate payments to account XXXX Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$25000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood. 




Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: NY
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:
I have three unauthorized credit inquiries on my Equifax credit report. One unauthorized inquiry is from XXXX dated XXXX/XXXX/XXXX. The other two inquiries are from XXXX. One inquiry is dated XXXX/XXXX/XXXX and the other is dated XXXX/XXXX/XXXX. I did not request theses credit inquiries from these two online/mail order clothing companies.I already have credit cards with XXXX and XXXX. I also contacted XXXX and XXXX and spoke to customer service representatives and they stated that they have no records of the credit inquiries that are on my Equifax credit report. I do not know why theses hard inquiries are appearing on my Equifax credit report when I did not request theses hard inquiries. I did not ask for credit card increases neither because XXXX and XXXX periodically give credit card increases. I want theses three credit inquiries removed from my Equifax credit report. Equifax has not removed theses three credit inquiries after I dispute this with them two times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EOS Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ XXXX XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XXXX of XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ).

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 in reference to : XXXX XXXX XXXX XXXX Auto Loan Account XXXX Balance due : {$45000.00} XXXX trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
PayPal Mastercard keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. PayPal took my PayPal card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at PayPal is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out

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 2019-09-12
Company: NAVY FEDERAL CREDIT UNION
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:
Incorrect Information on my credit report. 
Fraudulent accounts : XXXX XXXX XXXX Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: PCS Receivables Corp.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I used Target Red Cards online system to submit a large payment for 100 % of my balance due on XX/XX/XXXX ( > {$7000.00} ). The funds were pulled from my checking account on XX/XX/XXXX and reflected on my published statement. The statement indicated 100 % of my credit was available as a result. On or about XX/XX/XXXX I was declined when paying for a purchase. I checked on lien to see my available credit was {$0.00}. In contacting the company via phone and online message I was advised that they have the right to hold back credit until they confirm payment has been received. They failed to clarify what the legal or reasonable standard for this was. I checked daily and it was >14 days before my payment was fully reflected by TD Bank US in that my available credit was restored. The company has repeatedly failed to explain what allowed them to do this for over two weeks. In the XXXX  banking world, authorized ACHs should be credited and visible within 48 hours and the ability to pull back the transaction is short. Their practice of not officially posting this to my account for two weeks and restoring my available credit is fraudulent and deceptive. I personally was not harmed as I had another card to use ( outside the mild embarrassment ). I would like to see them fined for such a pracitce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX I received an email from Navient ( Loan servicer ) stating that my loans were being transferred to XXXX XXXX New Loan Servicer ) stating in a few weeks my loans would be transferred to XXXX. Navient included a checklist of what to expect and that not much would change that I would be working with AidVantage instead of Navient, so I called to see if I needed to do anything or if my payments was due, I was told that no payment was due and I was reminded that the Virus delay was due to end and my payments would resume in XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my credit to find that Navient had placed a 30 day past due collection on my credit report as of XX/XX/XXXX. Remind you, I had contacted them, they had contacted me and I was never informed that any loan was in the repayment process, let alone past due. I'm very upset with Navient, they did the same thing once before in XXXX of last year, only difference they put a 90 day default on my credit report during the 1st mandated Presidential delay of repayment for student loans and they did not remove the default notice on that one either. Navient has a practice of student loan payment abuse, which is noted in XXXX XXXX XXXX XXXX XXXX and also in XXXX XXXX. XXXX XXXX XXXX. Navient should be held accountable for the distruction they are causing in borrowers ' lives, with falsifying repayment documentation. None of these federal loans should have been in any repayment process during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service Team, I am writing to appeal a permanent limitation that has been placed on my PayPal account ( email : XXXX ) recently. My objective for reaching out is to express my concern over this situation and kindly ask your team to re-investigate my case in light of the points I will raise in this email. 

Firstly, I strongly believe that the limitation on my account was enacted by mistake. Until now, I have been unable to discern any specific transactions or actions that would have prompted such a stringent action on my account. It would be highly appreciated if you could provide further clarification on what the precise reasons were behind this decision. 

Secondly, to the best of my knowledge and as per my understanding of the PayPal User Agreement and Acceptable Use Policy, I assert that I have not violated any PayPal policy. I have always used my account responsibly, ensuring that all transactions are legal, ethical, and within the boundaries of PayPal 's rules and regulations. It would be beneficial if the alleged policy violation could be outlined so I can better understand and rectify any misconceptions. 

Given the aforementioned points, I would like to kindly ask the PayPal team to re-investigate my case. I hope that upon further review, it will be apparent that my account has been in good standing and that the permanent limitation might have been unwarranted. 

The limitation on my PayPal account has caused significant inconvenience in my personal and professional life. I value the services that PayPal offers, and I have always regarded it as an indispensable tool for my online transactions. Therefore, I kindly request the restoration of my account, if possible. 

I understand that PayPal needs to safeguard its services and users from potential threats and I support such measures. I am willing to provide any further information or fulfill any requests that may assist in re-evaluating my case and ensuring that my account complies with PayPal 's policies. 

I am looking forward to your prompt response and appreciate your attention to this matter. 

Best regards, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation