BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money via PayPal 4 times using friends and family option. The seller XXXX XXXX uses friends and family XXXX XXXX and XXXX XXXX both registered PayPal users to take the funds and never ship the goods or provide the services. Many PayPal users are being scammed this way and PayPal allows this scamming to prosper never investigating blatant scamming. I consider PayPal to be complicit in these transactions and really should be fully investigated in this regard. I am a XXXX  XXXX citizen but transferred US $ via PayPal and expect my complaint to be fully investigated. I'm looking for a full refund from PayPal on all 4 transactions. Also this service paying via friends and family method must either be shut down or fully covered by PayPal as they take a fee for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Velocity Portfolio Group
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:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late an open-end consumer credit plan as late for any purpose.

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 2020-01-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today I was working at a XXXX XXXX XXXX when two women asked to pay me via paypal for dresses they were purchasing. Each dress was for {$40.00} each. I've made several sales over the last few days with no issue so I assumed this would be the same. 

I invoiced them making sure to select that it wasn't a shipped item. They paid. I handed them their dresses and they walked away. However when I went to transfer the money out of paypal so I had food for my XXXX  and gas money, the funds were on hold until I updated tracking. I reached out to customer service for help. They told me that the customers would have to accept the funds or else it would be 21 days until I recieved them. 

I tracked down the customers in the XXXX XXXX and managed to catch them as they were leaving. Neither were willing to confirm and both joked that maybe they'd take the dress and the money by filing a claim since I can't prove I handed them the dress in person. 

I relayed all of this to multiple paypal reps. Only to be given the same scripted response that unless I can find a way to force 2 strangers to accept the item on paypal, I'll have to wait 21 days, and thats if they don't file a false claim. 

I begged and pleaded for them to release the funds and they will not. These XXXX XXXX are how I put food on the table. And this evening myself and my XXXX  are without money we desperately need because PayPal is protecting scammers instead of releasing funds. 

My account email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I wrote to CFPB when experian was reporting nothing at all once cfpb contacted experian they started reporting about 15 accounts they had been blocking but they are still blocking my score, I have a right to have my numerical summaries of my credit creditworthiness that are called a scores and are used all over this country because experian will not show a score unless I pay them to build my credit from my rent and utilities and start from XXXX again this is Blackmailing me to do business with them and totally illegal in these United States I am XXXX years old and have 28 years of credit history for over XXXX dollars and all has been payed perfect 100 % on time each and every month no way experian new sales pitch is a better summary of my credit to even think about comparing my rent and utilities, I will be filling lawsuits about this matter, I can't buy a home unless I have 3 scores in the United States!

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 2023-12-11
Company: EQUIFAX, INC.
State: TN
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:
Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX **********EQUIFAX********** XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ISSUE XXXX : I made several PMTS to my XXXX XXXX Credit Card over the summer of XXXX to be exact totalling just under {$3000.00}. None of which were ever credited to my credit card acct. I AM OWED OVER {$2800.00} for payments collected but NOT credited to my account. ISSUE XXXX : XXXX seperate company 's XXXX XXXX {$200.00} XXXX XXXX XXXX {$99.00} & {$20.00} fraudulently charged me for products I did not order, authorize, or have knowledge of bringing my XXXX balance back up to {$400.00}. I notified XXXX XXXX of the charges immediately but they were never investigated, reviewed, or corrected leaving a balance on card. My pmt history is perfect up until said charges were reported, why would I jeapordize that pmt history of the charges were in fact my own?

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX OF 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 2021-04-28
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Emmitt L. Goodman , Jr., LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX dated XX/XX/2021 stating that I owed this debt. The amount of debt is for XXXXThe company purchase was listed is The XXXX XXXX XXXX, XXXX XXXX XXXX Creditor. I have never had credit with these companies. I informed them by phone and in writing this was not my debt, never purchased anything on credit from this company. They sent me another package containing the original debt and company info, name of debtor, address of debtor, and amount. I have never resided at this address, never bought anything from this company on credit. I tried contacting them by phone, also called an attorney. They never returned second phone call, which leads me to believe they are proceeding against me with collection for a debt that is not mine. This can destroy my credit, which I worked hard to establish. I pay my bills and would pay this one if it were mine. I know that's how these companies operate, they just want you to pay the bill even if it is not yours. I am retired, a XXXX veteran, and senior citizen and I feel I'm being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2022-01-26
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Recently, I was denied an extension of credit by OneMain Financial for a personal loan on XXXX XXXX ( 12 CFR 1002.7 ). I received a phone call from OneMain Financial and was told that in order to move forward with loan process documents needed to be uploaded and income verified using OneMain Financial provide process via www.onemainfinancial.com. It was not until my credit report was used ( resulting in an a credit inquire ) that I was informed that the bank where I received my direct deposit into is not an institution on the list of banks that OneMain Financial verification platform recognized was as if this information was disclosed before hand I would not have conducted business with OneMain Financial. Then after I was told there was no more they could do. All in good faith the application for a line of credit for {$7500.00} was completed and fulfilled by I, the applicant with no funds or goods in return. In which is in clear violation of ( 15 U.S Code 1681N ( b ). Although I was notified of the denial, I was not properly issued written notice explaining determination of denial not in compliance per 15 USC 1681b ( b ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
- On or about XX/XX/XXXX, I called about my Citi Premier card because the annual fee was due and I could not justify it. The agent changed the account into a no annual fee Citi Rewards+ card and said that the new card should be arriving via mail. 

- On or about XX/XX/XXXX, I logged into my Citi account and noticed that there had been 5 transactions between {$900.00} and {$990.00} on the card. I had not received the new card, so I called Citi to alert them of the fraudulent transactions. I also flagged the transactions as fraudulent online. The Citi agent canceled the card and said a third card would be sent by XXXX / XXXX. I received the third card. 

- On on about XX/XX/XXXX, I received a call purporting to be from Citibank asking me security questions. I was not sure if it was indeed Citibank, so I hung up and called them back a couple of hours later. I asked to be connected to the Fraud / Security department and spoke to an agent who had a few questions for me. It was an offshore call center so there was an issue with communication, especially in explaining that the card on which the fraudulent transactions happened never reached me by mail. Nevertheless I explained this a couple of times to avoid confusion. 

- On XX/XX/XXXX, I received a letter from Citi Security Services Department saying that they have completed the investigation and found me liable for the purchases because I had confirmed that I was in possession of the XXXX card. I had in fact communicated multiple times to Citi that the card never reached me. I have never been to a XXXX store, never mind spending exactly {$900.00} and {$990.00} in 4 different XXXX stores in a week! For some reason, Citi insists that the charges are valid. I've tried reaching out to Citi but to no avail

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 2020-01-07
Company: EQUIFAX, INC.
State: TN
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 sent multiples letters to the bureau for account MISSISSIPPI XXXX XXXX XXXX stating the information is unverified and I also asked for proof of a sign document but never received any documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  credit card has been reporting my balance incorrectly and I've paid it off on time each month. I've reached out to XXXX  and the credit bureaus and disputed the issue and nothing has been corrected

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 2019-08-22
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on experian but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

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 2022-02-02
Company: Experian Information Solutions Inc.
State: RI
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 believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, 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 2022-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bank of America had a few issues with me in the past and they also took sides of another business/ car company over me and Im the one paying. I owe XXXX and I was trying to pay it but the lady at the bank refuse to give me an account because of it she said. But when I spoke to a rep they told me that I can have a account and it sucks because I was creating 2 accounts, paying my debt off and this the treatment I received. Then th auto loan price was over priced and yet Im still in debt and I didnt even get to even my product. The delearship refuse to fixed the car I complained multiples times about and I informed the bank about the issue and nothing was done.

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 2022-01-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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