BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
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: Account information incorrect

Complaint:
This account payment history is wrong

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 2017-10-26
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:
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I asked the 3 credit bureaus to lift my credit freeze for one day ( XX/XX/XXXX to XXXX XXXX ). XXXX XXXX and XXXX have notified that they have restored the credit freeze. Experian has not notified me. 
Experian assigned a confirmation number XXXX to my request. 
I want to learn whether Experian ever lifted my freeze and the date they restored the credit freeze.

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 2023-04-17
Company: Mercari, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase on Mercari.com, which prohibits the sale of counterfeit items, but I received a fake item. I was unable to contact the website within the 3 days rating period, but when I did contact them, they gave me a 30 days exception. They asked for images proving inauthenticity and a third party confirmation. Although it was difficult and time consuming to obtain these, I was able to in the end. Once I did, I received a message saying I am outside the 15 day period. Them changing their words from 30 days to 15 days back to 30 days and then 15 again happened twice ( see attached correspondence ). Both the purchase was a fraud and Mercaris emails were fraud, promising resolution under some terms, and then breaking their words. They lied in writing. The item purchased link is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would truly appreciate your assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I opened an auto loan with Consumer Portfolio d/b/a XXXX in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was wrongfully deemed 'totaled ' and then auctioned off shortly thereafter. As of XX/XX/XXXX, I was being emailed and contacted because my account was " seriously past due. '' I called in and spoke to an extremely rude and borderline offensive representative who insisted on my making a payment. I did not promise to at that point, however I told her I was willing to make payments as soon as I could if we could come to an agreement. By the end of the call, she told me I obviously couldn't afford it and her attitude compelled me to call back and request a supervisor, but none was available at that time. I sent numerous emails and called many times to speak with a supervisor, and was told that I would be called back but never was reached out to again. I informed them multiple times that we can make an agreement to pay however I wanted to make a complaint against the rep first. I have also been recorded on their lines after stating multiple times I did not consent to being recorded if they refused to provide a copy upon request. Now I am being told a lawsuit against me has been filed for this matter, even though I have been waiting for a supervisor to reach out to me for months. I have call logs and email correspondence between myself and their representatives proving all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions Inc.
State: IN
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:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
a secured credit card has been opened in my name with XXXX 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 2023-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to state that I have not violated any PayPal policies. I have always used my account in a responsible and ethical manner, and I have never engaged in any fraudulent or malicious activities. Therefore, I strongly believe that this limitation is unjustified and should be removed immediately. 

I understand that PayPal has policies and procedures in place to protect its customers, and I appreciate the efforts that PayPal takes to ensure the security and integrity of its platform. However, I believe that in my case, a mistake has been made, and my account has been unjustly limited. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate your prompt attention to this matter and hope for a positive resolution. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 three negative credit items outstanding debt now. 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 have been a victim of Identity theft and the inquiries reported on my Credit Report were the result of such crime. I have been disputing for the removal of the unauthorized inquiries and yet the Credir Bureaus became ignorant of the letters I have been seding. I have read that under the FCRA sectrion 605b, The Credit reporting agencies are required to remove any account and information that resulted due to identity theft. I need the folloeing disputed unauthorized inquiried to be removed from my Credit report as soon as possible : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account with Truist Bank on XX/XX/2023. I made {$500.00} opening deposit to this new Truist account. The account I transferred from to make this opening deposit showed that {$500.00} was transferred to Truist on XX/XX/2023 Starting from XX/XX/2023, I couldn't access my Truist account online. I called them first as their website stated " Your online access has been restricted for security purposes. To resolve this issue, please contact the Truist XXXX XXXX at XXXX. '' The representative told me on phone that I needed to go to a branch. I then visited their branch the same day. I was then told that my account was closed but they didn't give me back the {$500.00} opening deposit. 

After 2 weeks, Truist have never returned my opening deposit of {$500.00} still. Additionally, Truist has added an item to my XXXX report which could harm my credit report and future application for accounts/cards. 

I am requesting Truist to return my opening deposit of {$500.00} and remove the item from my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Explained in advance iam a victim of identity theft and provided proof of identity theft and everything that revolves around the identity theft. They said they would work with me. Price of vehicle {$10000.00} on XX/XX/XXXX  I gave {$5300.00} cash for down payment. On XX/XX/XXXX  I signed a loan agreement for remaining balance. Dealer rushed through the signing of the contract. When I asked why I'm financing {$10000.00} they strong armed me for even asking and said because tax and licensing fees. Dealer had me so confused and feeling violated in all my rights as a consumer, discrimination against me for being a vicitim of identity theft crossed my mind. On XX/XX/XXXX   two men pounded on my door and demanded my keys to my vehicle, they threatened me said i gave a fraudulent paystubs they were so agressive i feared for my life so I gave them my keys and they toke my vehicle. I immediately tried to contact XXXX the dealer with no luck and no response back. I am a employee XXXX XXXX XXXX arts and I am also the owner. I am a law abiding citizen active in my community. Defamation of my character, discriminating against me, they are violating me and the contract I signed doe not seem legal. Can you please help me get my {$5300.00} cash down payment back. Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ha

s violated my rights. 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

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 2020-01-20
Company: F.H. Cann & Associates, Inc.
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:
I have been audited by the IRS a few years ago and they confirmed that I had paid off all my student loans with the Department of Education in which they sent me my remaining federal income tax check after paying off remainder federal balances. I have also already applied again for another student loan and was approved, which if I did still have an outstanding balance I would have been denied. A year later I received a letter from a collections agency stating that I owe {$5700.00} for an outstanding federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to submit a complaint in regards to the permanent limitation that was placed on my PayPal account, which is registered under the email address XXXX. 

First and foremost, I strongly believe that this limitation was placed on my account by mistake, as I have not engaged in any activity that violates PayPal 's policies. I have always been a responsible user of your platform, and I have consistently followed all the terms and conditions set out by PayPal. 

Furthermore, I would like to emphasize that I have not engaged in any activities that could be considered as fraudulent, illegal or suspicious. I have always conducted my transactions in a transparent and legitimate manner, and I have never been involved in any disputes or chargebacks. 

Therefore, I kindly request that you re-investigate my case and consider restoring my account if possible. I would greatly appreciate it if you could provide me with more information on the reason for the limitation, as well as any evidence that supports your decision. 

I understand the importance of maintaining a safe and secure platform, and I fully support PayPal 's efforts to prevent fraud and protect its users. However, I strongly believe that my account has been wrongly limited, and I kindly request that you take another look at my case. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a 1099c and this account has been settled please update balance to paid in full

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 2023-04-17
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
There is two hard inquiries shown in my Cridit report on on XX/XX/XXXX, and XX/XX/XXXX From the two companies I didnt try to do anything with them I dont know anything about them am call them to ask about that and there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Your escrow analysis was performed on XX/XX/XXXX. At this analysis, you have a surplus of {$120.00}. 
New Monthly Payment XXXX STARTING ON XX/XX/XXXX PRINCIPAL & INTEREST XXXX ESCROW XXXX County Tax XXXX COUNTY Parcel : XXXX Annual Amount : {$9700.00} Next Installment Due : XXXX XXXX, XXXX Hazard Insurance Policy : XXXX Annual Amount : {$2900.00} Next Installment Due : XXXX. XXXX, XXXX Your escrow analysis was performed on XX/XX/XXXX New Monthly Payment XXXX STARTING ON XX/XX/XXXX SURPLUS AMOUNT XXXX Escrow analysis was performed without taxes and insurance information. 
My first escrow analysis was performed from {$0.00}, that's when I first realized there were problems with this company and have continued to date. 
My mortgage went from XXXX to Mr. Cooper and every since the switch ; there have either been inconsistencies, incompetence or unscrupulous dealings from employees within the company. I have spoken to these so-called escrow specialists and have yet to be convinced they know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: SYNCHRONY FINANCIAL
State: NV
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:
On XX/XX/XXXX I received notice that Synchrony Bank closed my visa card on XX/XX/XXXX without notice to me. The reason stated in the letter is that review of my account is indicative of high risk failure to pay. Even though I never missed a payment with them and paid down nearly $ XXXX over a 10 month period on an account with them that is on a 24 month promotion until XX/XX/2022. The only thing my credit history is indicative of is not paying fees as I use my credit wisely. Synchrony Bank should not get to impact my credit history with their nonsense. Nor should they get to close my account without notice and risk embarrassing if I had been declined in person. My credit score is over XXXX no thanks to them! 
Additionally when I asked the manager what entity outside of them federal or otherwise I could make a complaint about them to she said she didn't know. I argued with her that she should know being av financial institution. Being in a different regulated industry of a customer asks an employee that question they know exactly what state agency to direct them to.

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 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
I filed a dispute on a transaction made in XX/XX/2023 with Citizens bank in the amount of {$620.00}. I paid for XXXX concert tickets and the tickets were invalid/fraudulent. Citizens bank has NOT provided me a provisional credit and it has been over 10 days from the date I filed a dispute!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

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 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, I see in my XXXX XXXX  REPORT an unauthorized Bank of America fraudulent account, I have never had a checking and savings account with bank of america, please REMOVE this account from my XXXX XXXX and also the address is fraud I have never lived even that address in 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