BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Paypal Holdings, Inc
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 for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it's affecting me a great deal as I used PayPal quite frequently, and my Balance has been holding for 180 days, despite the chargeback on my account is extremely low and the costumer 's satisfaction is very high, paypal didn't request any document or anything at all, they suddenly closed my account and XXXX me up. if they don't reopen my account at least they should let me to move my money some where else..my email associated with paypal is ( XXXX )..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Company: Experian Information Solutions Inc.
State: AR
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 acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, XXXX, and Experian did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX  XXXX - {$47000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.

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 2018-02-09
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information. 

There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people! 

I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken. 

Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why? 

I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency. 

To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?

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 2023-02-09
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
1. On or about XX/XX/2019 ; I was lost my paycheck that had an issue date of XX/XX/2019. The check was made out to me and had NOT been endorsed. 
2. My check was deposited or cashed by another person without my knowledge or permission. 
3. I have talked to the local branch of JP Morgan Chase and wrote a letter to the local regional head in XXXX to seek restitution for the check that was illegally cashed/deposited. The branch told me they do anything since this would break privacy regulations since the bank did not know how the check was cashed or deposited in branch or on-line and that I would have to follow-up with the check processor XXXX, or my employer XXXX 's. 
4. I talked to my employer about this twice and my employer has sent notices to XXXX, but there has been no reply. 
5. I reported this to the XXXX County Sheriff, but there has been no update since the report was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase XXXX XXXX game consoles from XXXX and XXXX XXXX game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( XXXX XXXX representative ) and I got XXXX  XXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: PA
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:
To whom it may Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, Transunion and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

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 2023-02-09
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$340.00}

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 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I borrowed {$70000.00} from XXXX XXXX over a 5 year period for my undergraduate education. Upon graduation, Navient tacked on {$56000.00} in interest! That is somewhere between 75-80 % of what I borrowed ( XXXX each year and XXXX tacked on in interest ). I put moving out and traveling on hold because I couldnt afford to do those things and pay my student loans. Ive made monthly payments of around {$1200.00} to Navient. Finally, I had to get it adjusted and extend the life of the loan because I couldnt afford the payments. I was living paycheck to paycheck and penny to penny just trying to make the payments. I feared they would ruin my credit if I didnt make the payments. The interest rates continued to rise, as well as, the payments. After a few years I just couldnt do it anymore. Two years ago, my parents re-mortgaged their house just so I could pay off the Navient loans and get away from such an awful company. Navient got all their money and I began paying my parents refinanced mortgage. I still have 13 years left to pay the refinanced mortgage. This whole process was awful! I went to school to become a teacher and I am supposed to encourage students to go to college. How do I do that when I know first hand what awful, evil companies are out there just looking to take advantage of teenagers. 

I am aware of the Navient lawsuit, but XXXX cant find any information if this lawsuit covers people who recently ( within 2-3 years ) paid off Navient. Paid off isnt the right words since really all I did was get another loan to get away from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Revolut Technologies Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Revolut closed my account because of what I believe was cash looping. However, I never used a credit card to top up my account, only debit cards. According to their website : https : XXXX XXXX looping only involves topping up with credit, not debit cards. Therefore, I believe my account was wrongfully closed. I have contacted the company, but they have not responded to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Northern Resolution Services
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, a company known as " Northern Resolution Services '', XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, called my cell phone from an anonymous number, and left a message. The message stated that the individual was going to " issue legal documents to my home or place of employment '' and to call " XXXX '' to rectify the situation, leading me to believe they were some type of process server. Upon calling the number, I was told that they were trying to collect a debt in the amount of {$2300.00}, for a company called " XXXX XXXX XXXX XXXX ''. They wanted me to pay them via credit or debit card over the phone. I requested that they send me verifiacation of the debt, which has not happened. Upon calling " XXXX XXXX XXXX XXXX '', that company confirmed to me that I once took out a {$350.00} loan from them in XX/XX/XXXX, and that loan was paid off completely, in it's entirety, over two years ago. They also recommended that I not give the " debt collector '' any money or information, and that they would be willing to verify my information to any law enforcement agency or government agency that inquired, that the " debt '' does not currently exist, nor did it ever in the amount specified by " Northern Resolution Services ''. This company has numerous complaints against them online for the same reasons, and also has an extremely similar name and geographic location as another company, called " Northern Resolution Group '', that was fined and shut down by the New York State Attorney General for similar illegal debt collection activities. Upon confronting the company via phone, they denied any wrongdoing, and refused to discuss the situation any further. I have both the message left on my phone, as well as the subsequent phone conversation with " Northern Resolution Services '' recorded, and can make them available to you if needed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief