BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
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 weeks. but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently as a XXXX. My email linked to my PayPal is " XXXX ".

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the Jet Blue credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

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 explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a complaint with XXXX  and it has been well over 30 days.

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 2021-07-07
Company: EQUIFAX, INC.
State: NV
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 am filing a complaint for an on going issue with Equifax. I have already tried disputing these issues, with no success. They have taken my information and combined it with another women 's information. We are two different individuals, we live in different states, our first name 's are similar but spelled different. It's our last names that really construed everything. Her last name by birth is one that I received in my first marriage back in XXXX which is when our issues both started. I need the Equifax Credit Bureau to do their job correctly. Right now I am unable to use my credit. No loan provider will touch my credit. Due to all the miss information that is there. When an issue like this arises and it causes devastating affects on my Family. I take that extremely personal. I have already been through this with XXXX  who fixed their stuff back in XXXX which took a bit. Also I'm going through this this right with XXXX. I have provided these credit bureaus with all the correct documentation to prove my identity. Yet still they wish to argue and destroy people/ families lives. Please help me Consumer Federal Protection Bureau restore my credit with the correct information ; Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent multiple letters to the credit bureau regarding the identity theft and fraudulent items on my credit report I have also sent FTC report as well as a police report and a identity theft affidavit signed and notarized I have yet to receive any results from the Bureau. I sent these item XX/XX/21.

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 2021-07-07
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I called the XXXX number Coinbase posted on XXXX and did everything they asked me to do and they have a criminal working for them and thus were able to steal my XXXX balance. They did not send you the emails I sent them so you could make a good decision. 

You closed my complaint and I did not want it closed until they admitted that their employee enabled my funds to be stolen. I want a full XXXX refund now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Commonwealth Financial Systems, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH COMMONWEALTH FINANCIAL. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, 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:
XXXX/2019 to June/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letter that was certified mailed to them. The notarized signatures that goes with Id theft claim to XXXX XXXX that was upon requested. I have not received any feed back on the verifiable Id theft claim that was sent to XXXX XXXX notarized and certified mailed. In addition to that, XXXX XXXX have not responded to any of my written validation letters. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My fraud Identity. is not taking into a removal or into consideration. Additional to that, Equifax has not respectfully take my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Equifax is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have remove the items off my credit report. Accept Equifax and the other credit bureaus on XXXX/2019 communicated with Equifax that I am a victim of Identity Theft and Equifax has not take my case into consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE MANAGER XXXX XXXX ON XX/XX/XXXX at XXXXXXXX XXXX CENTRAL TIME. 
LETTING US THE BORROWERS WITH ACCOUNT NUMBER XXXX MR.XXXX XXXX XXXXXXXX AND XXXX XXXX KNOW THAT WE CAN NOT NEVER GET A LOAN MORTIFICATION AGAIN! 
DUE TO HURRICANE HARVEY AND A ELECTRICAL HOUSEFIRE WE SUFFERED IN XX/XX/XXXX AND XX/XX/XXXX. 
WHEN WE FIRST TRIED TO APPLIED FOR A MORTIFICATION BACK IN XX/XX/XXXX! 
THE INFORMATION ABOUT OUR HOME LOAN SHOULD HAVE BEEN EXPLAINED TO US WITH EVERY OPTION TO GET OUR PAYMENTS MADE FROM XX/XX/XXXX TO XX/XX/XXXX! 
SHELLPOINT MORTGAGE NEVER STATED OUR ACCOUNT WAS OR WOULD BE IN A NONE RETENTION PLAN FROM THE FIRST TIME WE INQUIRED ABOUT! MORTIFICATION BACK IN XX/XX/XXXX. 
AGAIN MONTHS PAST NEVER ANY LETTERS FROM SHELLPOINT MORTGAGE ABOUT HELPING US WITH A PAYMENT PLANS! 
WHILE THE MONTHLY PAYMENT WERE ONLY {$5600.00} TO CAUGHT UP OUR ACCOUNT! 
WE SHOULD HAD ALL OPTIONS! 
NOW WE ARE AT A {$25000.00} PAYMENT PLAN ONLY TO THE ACCOUNT ASAP TO KEEP OUR HOME FROM FORECLOSURE! 
THIS IS SHELLPOINT MORTGAGE ONLY PAYMENT PLAN TO HELP US! 
AFTER MAKING DISCRIMINATION AND PROFILING STATEMENTS AGAINST US AND OUR FAMILY MEMBERS THAT WE XXXX XXXX XXXX BECAUSE MR.XXXX IS XXXX XXXXFOR OVER 27 YEARS! 
SHELLPOINT MORTGAGE IS AND HAS VIOLATED OUR RIGHTS AS HOMEOWNERS AND NOW WANTS TO TAKE AWAY OUR HOME! 
WE NEED HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: EQUIFAX, INC.
State: MN
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:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the account XXXX XXXX XXXX XXXX - REPORTED TWICE ON MY EQUIFAX CREDIT REPORT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am a victim of identity theft and did not authorize these changes to my credit report. I am writing to delete the following information off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBJ Credit Recovery has been paid in full several months ago but it still shows I owe them money on XXXX report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018, I followed directions on Experian to obtain my free credit report to which I am entitled to under the The Fair Credit Reporting Act. However, the only way to obtain the " free '' report is to register for an account, which automatically enrolled me in an Experian CreditWorks account. If this account is not canceled within 7 days, a monthly charge is initiated. After I read my credit report, I searched on line for a means to cancel the account. The only method offered is by phone. The phone number takes you through a phone tree, which eventually directs you to access your account on line. This is not compliant with providing a free report. I am still trying to cancel my account.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts 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 explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: NV
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 sent an initial request to Experian on XX/XX/XXXX asking for validation of the Chapter XXXX Bankruptcy  that was being reported. I received a response back from Experian stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute '' Experian goes on to say to say to contact XXXX XXXX the third party who verified this information. The issue with this is under the FCRA the CRA is supposed to not only verify with the original creditor being the Bankruptcy Court but also have and supply me with the original documents since they have verified. They used a third party XXXX XXXX to verify a Bankruptcy who is not the originator of the debt. 

More so Experian unfortunately told a complete lie on their verification methods. I suppressed the XXXX XXXX file on XX/XX/XXXX also requested my report. If the file was suppressed how was Experian able to obtain verification also on my XXXX XXXX file dated XX/XX/XXXX under Banko Consumer Disclosure Report there's a section for specially used for Bankruptcy. This section says " No records found ''. 

So again, How was this information verified? 

Also the late payments on the two accounts, this is my SECOND request asking for verification as how Experian verified those as well. I received my balance history and NOT any documents showing where my payments were paid late and also the late payments were changed around on the account with no explanation.

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 2020-12-16
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I am reporting fraudulent collections and harassment. 
My personal information is being fraudulently used, I am being constantly harassed and billed from collection agencies with medical debt that's not mine. When contact the companies at the number provided on the report they are numbers that are no longer in service. AARGON collection agency constantly put collections on my report with different prices and account numbers and after having them removed they add more to my report. 

XXXX XXXX keeps adding debt to my report that isn't mine I had the fraudulent collections removed and they added new ones fraud collections I contact them on the number provided and it says it no longer in service XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX also XXXX XXXX XXXX XXXX collections that aren't mine keep harrassing me and wanting to collect a debt that isn't mine. someone I using my information.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Well in 2019 I was told I was going to be donated some money. And this was right after hurricane michael. I was left XXXX. I have never been giving money before. So when it came down to it. They asked for my bank information. When they asked for my user information I said no. But then decided to becuase they were a federal banking XXXX. Standard Chartered bank. They uploaded a check. With no authorizing. And I got fraud and now cant have any accounts opened. Please help me. Proof of where the login of the location where it was made will declare me innocent.

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 2019-06-25
Company: Credit Plus 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: Reporting company used your report improperly

Complaint:
I sent a 1st letter to CREDIT PLUS dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), to provide me a verification letter showing that I have authorized this hard inquiry and CREDIT PLUS have not validated my request. 

Therefore, I sent a 2nd and final letter dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), requesting them to provide me proof of authorization with my signature requesting a hard inquiry dated on XX/XX/XXXX. They continue ignoring the request. 

I indicated they need to pay me {$1000.00} for not validating my request based on the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation