BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: AZ
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:
The company has failed to verify the information on the credit bureau. 
http : //www.azb.uscourts.gov/filing-without-attorney/debtor-faqs? page=1 The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-12-04
Company: Experian Information Solutions 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB DEPENDENTS CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-05-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As of XX/XX/2021, PayPal has limited my account for no specific reason. I have tried to get my account back but PayPal is unwilling to cooperate. I am assuming the limitation is a mistake as my PayPal account has no unusual transactions or history. In fact, I only have two transactions on this new PayPal account so I am honestly astonished that PayPal believes that I am " in violation of PayPal 's Acceptable Use Policy ''. I have not been able to get help from them so far so I have decided to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal. I am willing to cooperate with CFPB and PayPal, and will provide anything that is required to get the account back. My email linked to my PayPal is XXXX. 

In order to ease the process for both parties, I have included screenshots of the two transactions that I have done ( both dealing with 100 % authentic used sneakers sold on Grailed, a selling platform similar to eBay ), the exact message that PayPal has put on my account, and a picture of my ID to confirm that I am the sole owner of this PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates i s falsely validating a debt in the amount of {$1500.00}. They are reporting this false information to all three credit bureaus. Portfolio is also using fraudulent collection practices to collect on false debts. They issued me a Check in the amount of {$30.00} and asked me to sign the back of it and cash it. I do n't recall such claim that should result in a check being issued to me and requesting my signature. They stated on the check that is for a litigation I am receiving a refund and that I must sign this check and negotiate it.  Claim number:  XXXX  Ch eck Number:  XXXX  Check Amount {$30.00} Check Date  X/XX/2017   . There is no such claim that I ever participated in. I received this check after I disputed a false account that they are trying to collect on. The are saying that it is a settlement approved by the court. I requested Validation of a contract with my signature on it for the account that they are reporting in the amount of {$1500.00} They have NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A  ) of the FCRA they are required to promptly DELETE all information which can not be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had autopay set up with my XXXXXXXX XXXX account. Discover instead decided to debit my Discover Bank savings account {$600.00} on XX/XX/2022. My Discover Bank savings account was unused. I immediately transferred sufficient cash ( {$700.00} ) into the Discover Bank account to cover the overdraft ; Discover retried the debit after the transfer had posted, on XX/XX/2022. However, instead of using the {$700.00} that had been deposited into the account, Discover then returned the {$600.00} ACH debit on XX/XX/2022. At that point, Discover charged me a {$35.00} returned check fee. 

I attempted to get a refund of the {$35.00} returned check fee, but the customer service person stated that the fee was 'contractually required ' and would not be waived. I believe that Discover 's bad faith actions in returning the ACH transaction when sufficient funds were available warrants a reversal of the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: Zip Co US Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I paid an alleged of {$150.00} to XXXX a debt collector in connection with zip formerly known as QuadPay. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft going on 2 years now. I have a 7 year fraud alert on my account. Equifax has ran my information without first notifying me by mail, phone, or email.     This is not the first time I have reported Equifax for running my information for bot contacting me. Last time the rep had the audacity to tell me Well we do n't necessarily have to contact me even though I have a 7 year fraud alert. At this time I feel its better to just put the complaint in then call them.  <P/> Yet again I had to go to the police station today to file a Id theft report and go through this draining process of clearing my information up and removing all fraudulent information.  <P/> This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm trying to fix my credit and I call JPMCB-Auto Finance `XXXX chase bank '' to find out about my acct to negotiate because they still have the car title. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue, they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XX/XX/XXXX. I ask about the car title they didn't want to give me information about it either. agents I talk was XXXX Id # XXXX XXXX Id # XXXX. I check all 3-credit bureaus in all 3 bureaus have different dates and different address on this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX As a consumer by law this account must be deleted. 2. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: OH
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/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im 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 give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian has failed to remove unknown inquires on my credit file. I have disputed several times please remove immediately!! I didnt authorize anyone to run my credit XXXX customer service XXXX XXXX XXXX XXXX XXXX. XXXX MN 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 2019-12-04
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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB DEPENDENTS CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-05-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased tickets on XX/XX/2018 from XXXX using {$120.00} from a XXXX account tied to my Wells Fargo checking account. Scammer seemed genuine with name, email and phone, even calling. The funds were immediately accessed and no tickets forthcoming. I contacted Wells Fargo within about 2 hours of the purchase. Wells Fargo indicates they have no responsibility since I authorized the transaction. XXXX indicates I have to go through Wells Fargo. In researching this appears a new, common scam that should be more publicized through both XXXX  and Wells Fargo. These funds should be protected just as other funds that are fraudulently obtained.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house. During escrow my title company/abstract office failed to send pay off/wir e n   XXXX   XXXX     2017 to  my mortgage company in a timely manner ( 9 days past the closing d ate )   XXXX   XXXX , and now my mortgage company maked my credit as 30 day late on my mortgage payment.     I have emails from escrow company stating it was their fault due to their negligence and I sent this to my mortgage company on  X/XX/17   . Auto email sid  wait 5 business days. Its been 10 and I  clled today and was told Id receive a phone cLl today. I did not.     Meanwhile I have a 30 day late reported to the credit gods. I need a response and correction.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  OF  XXXX  AND  BAYVIEW LOAN  SERVICING FAILURE TO POST PAYMENTS CORRECTLY, FAILURE TO PROVIDE CORRECT STATEMENTS, PROVIDING CONSUMERS WITH FRAUDULENT DOCUMENTS THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU  XXXX   XXXX   XXXX  provided  Bayview Loan Servicing with  fraudulent documents to respond to multiple complaints we filed with the Consumer Financial Protection Bureau. Therefore, due to   XXXX    XXXX   XXXX  and  Bayview Loan Servicing responding to multiple Qualified  Written Request with fraudulent documents through the Consumer Financial Protection Bureau and through the United States Postal Service we are experiencing harassment and retaliation due to us reporting these schemes. During the duration of the trial modification payments,  Bayview Loan Servicing continuous failure to accept a m onthly loan payment from us and post it to our account correctly started on  XXXX    XXXX   and has continued through the present.  Bayview Loan Servicing  is a  XXXX  dollar corporation, currently they manage approximately {$11.00}  XXXX  dollars. Therefore, its difficult to understand why its so terribly difficult for Bayview to accept a monthly loan payment from us, post it to our account correctly, update our statements, update their automated system with the information correctly, and manage the day-to-day operations of our loan without continuing to compound multiple continuous errors. Upon us complaining about the compounding errors, schemes and shams committed on our mortgage loan by the previous servicer, predatory banker, Bank  XXXX   XXXX  continues to do nothing about our complaints in fact, Bank  XXXX   XXXX  has intensified the well planned scheme and has involved  Bayview Loan Servicing by providing Bayview with fr audulent documents to provide to us and  Bayview Loan Servicing upload   these fraudulent documents to our portal at the Consumer Financial Protection Bureau as well as mails these fraudulent documents through the United States Postal Service.  XXXX   XXXX   XXXX  transferred our loan to  XXXX   XXXX   XXXX  without making corrections caused by misappropriation of payments and forced placed Insurance. The  Master Servicer  Bank  XXXX   XXXX  has instructed  Bayview Loan Servicing to foreclose on our home by having Bayview loan s ervicing intentionally and purposefully failing servicing duties of : failing to post our monthly payment to our account correctly, failing to update their automated system with the information correctly when a payment is made, failing to post the payments to our monthly statements correctly and continuing to compound multiple errors on our loan in the day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was a collection front tv cable, and we talk and we decided to pay i n 2 parts, I pay the first one and I give authorization to get the second pay on my car automatically.    I do n't know why is the complain. I pay for this  XXXX  account alrready.

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