BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am writing you to show documentation and to seek resolution for my open fraud case with Paypal and XXXX XXXX XXXX. I, myself, am a PayPal user and have had a PayPal credit line since XX/XX/XXXX. My personal account is not involved in this case. In XX/XX/XXXX, I had my credit card compromised and it was used to open up another Paypal account in XX/XX/XXXX using my name and an email address the thieves set up in my name - that is not associated to me - and made several charges. The credit card that was used has NEVER been linked or used on my personal Paypal account. On XX/XX/XXXX, I made a claim with the bank " XXXX XXXX XXXX '' and with PayPal notifying them of the false account and charges. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, that PayPal stated that all charges were valid, despite me never opening the account or purchasing anything. I was directed to contact PayPal, the merchant, to further my fraud claim. 

Since doing so, I have contacted them every 7 to 10 days for further explanations. Each phone call, I have to give the same information repeatedly only to be told a refund would be issued to me in 7 to 10 business days. 

I have 3 different case numbers associated with my case. 

- On XX/XX/XXXX, PayPal refunded 1 of the charges for {$32.00} to the credit card account. 
- They refunded another charge on XX/XX/XXXX of {$32.00}. 
- On XX/XX/XXXX they mistakenly refunded a charge back to the fake fraud account and sent the money back to me on my real PayPal account in the amount of {$32.00}. 

On XX/XX/XXXX, I received a collections notice from PayPal that the fraud account has been over drawn in the amount of {$280.00}. I wrote a letter to the collections company XXXX, stating that this account was not valid and referenced the case numbers I've been given. 

Today, I received another notice from the collections company that PayPal has said all charges are valid and the debt is owed in the new amount of {$350.00}. The fraudulent account was taken into the negative on XX/XX/XXXX, more than 4 weeks after I first notified them that the account was fraudulent on XX/XX/XXXX. 

I need another party to intervene on my behalf. The credit card company XXXX XXXX XXXX  will not help me because PayPal said the charges were valid initially. PayPal claims to have closed down the fraudulent account and did refund 3 charges, but I am still owed {$500.00} and the collection company needs to be made aware that the debit of {$350.00} is not valid and the collection efforts need to be canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2700.00}

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 non-monetary relief
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX is not in compliance. According to the FCRA XXXX XXXX XXXX is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed XXXX XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from TransUnion and XXXX the dispute was not corrected. What I did notice was that XXXX XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX XXXX XXXXXXXX XXXX is not giving me any type of rating and are flagging my credit report with TransUnion as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current TransUnion Report XXXX XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with XXXX XXXX in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX XXXX XXXX is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX ID Number XXXX, stated to me she could not answer why XXXX XXXX  was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.

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 2018-01-04
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I APPLIED AND WAS APPROVED FOR AN AMERICAN EXPRESS DELTA PLATINUM CARD. THE CARD HAD A BONUS OFFER INCLUDED. THE OFFER WAS RECEIVE XXXX BONUS MILES AND XXXX MQM 'S WHEN YOU SPEND AT LEAST {$3000.00} IN THE FIRST 90 DAYS THAT THE ACOUNT IS OPEN. IN ADDITION RECEIVE A {$100.00}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{$100.00} STATEMENT CREDIT IS ABOUT TO EXPIRE AS WELL. I HAD PLANNED TO MAKE A DELTA TICKET PURCHASE WITH CASH + THE SKYMILES BUT HAVE DECIDED TO WAIT TO SEE IF AMERICAN EXPRESS IS GOING TO HONOR THEIR WORD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-08
Company: EQUIFAX, INC.
State: FL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
There are numerous inquiry on my report that are fraudulent. 
Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, 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 with product or service terms changing

Complaint:
In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an active complaint started with the CFPB and Bank of America is intentionally making the process impossible to resolve. You contacted Bank of America and a representative ( see attachment ) emailed me and asked me to call him. I have tried for 2 days and the phone # provided does not work. It reaches the Regulatory complaint automated phone service. It asks for the extension of the person you are trying to reach. As soon as you enter it it says it does not recognize the extension. I have tried over 200 times and over a XXXX day period to contact them with no success. I have also sent several emails to the representative that sent me the email and have received zero response. My active case of fraud is reported with CFPB and the case # is XXXX. My checking account was hacked and almost {$6000.00} was taken from me. Bank of America refuses to assist me in this matter after XXXX  years of being a customer.

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 2021-09-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. unauthorized fraudulent inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( IMPROPER CREDIT REPORING ) To whom it may concern Im filing a formal complaint towards Puget Sound Collections aka PSC regarding their collection practices, bullying methods and unfair consumer credit reporting. Upon pulling my credit I discovered at least XXXX negative medical debt ( s ) that do not belong to me nor are the said individuals on my medical coverage. On XXXX XXXX XXXX I called the company ( PSC ) and spoke with XXXX XXXX and later met with her on the afternoon of XXXX XXXX XXXX in an effort to resolve the matter of improper medical debt reporting. She provided me with a list of the debt which comprise of family members that are not covered on my medical. The total sum of debt - {$15000.00}. This is not my debt and I did not accrued these debts and I am requesting immediate removal from my credit. ( Resolution ) I am seeking assistance to have these claims removed immediately from my credit.

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-02-08
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A letter in the mail was received at consumers place of abode, attempting to collect an alleged debt. Said letter exposed the company name Receivables Performance Management LLC. This led the consumer to believe said letter indicates that the sender is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the Fair Debt Collections practices act.

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 2022-08-05
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization. 
XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; US SM BUS ADMIN ODA Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: DE
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 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 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 2021-03-10
Company: EQUIFAX, INC.
State: TX
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 previously disputed a XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX XXXX and Equifax not remove this account from my Equifax credit reports. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.

Company response to consumer: Closed with explanation