BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
The company seemed to charge extra interest on the loan. It seemed like the more I paid it down, the more interest was charged. I took out another loan to pay this loan off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The people answering my complaint still refuse to see it. My original account had been opened a year prior to this incident of XXXX XXXX falsely accusing her. Why was my first account being messed with in the first place? Wells fargo did a dirty and criminal thing against me and violated my civil rights. I never harassed XXXX XXXX. She violated our privacy rights by telling me that she made more money than I ever will and told me to take my XXXX XXXXXXXX son back in my home. They were both XXXX and XXXX screaming and cursing me out in front of my son. But lying saying I was saying it and how she came across the street and nearly assaulted me. I have a right to be upset at how my new account was closed after a short time of being open after I was forced to drive back and forth to the bank, so she would be there. The people at wells fargo ignores my side of the story I didn't even know she was even at the bank. How was I supposed to know that their head of security XXXX XXXX didn't bother to look at the security footage? This is all they want to do to me enrage 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 2023-04-25
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sold a car the funds went to PayPal and PayPal has been holding my money for over two weeks I have no way to get access to my funds they said it because of the automated security system they can not over ride it. I can not send or withdraw or use with my XXXX wallet I am on the phone everyday for over an hour or two with them and they tell me the same thing everytime wait 24 to 48hr for system to update. I feel like they have robbed me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I tried to resolve the issue before they closed the account but they closed it I told them the card was lost and I need a replacement to make a pay me and someone stole my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Dear Sir/Madam, I am writing to express my disappointment regarding the handling of my recent complaint to PayPal , Inc . I trust this message finds you well, and I hope you can assist me in resolving the matter as soon as possible. 

On XX/XX/2023, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under the " Unauthorised Account Creation '' category. I explained thoroughly that my identity had been stolen, and it was being used to circumvent PayPal. On XX/XX/2023, Executive Escalations informed me that PayPal had launched an investigation into the matter and promised that if it were proven in my favor, PayPal would help me restore my balance of {$560.00}, which was done as a XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, I received an email from PayPal stating that they had completed their review and decided the case in my favor. However, despite the decision being made in my favor, I have not received any restoration of my {$560.00} balance, and my complaints have been closed without any prior response. 

I understand that PayPal has thousands of customers to cater to, but I expect my issue to be treated with the utmost priority and urgency, considering the impact it has had on me. I implore you to provide me with a detailed response to my request, as I am currently going through a difficult time due to the financial loss. 

I would appreciate it if you could help me out from this situation as soon as possible. I am counting on your assistance and expect a resolution soon. 

Thank you for your attention to this matter. I look forward to your response. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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 checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Personal information incorrect

Complaint:
So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit score keeps dropping on wrong information And address incorrect

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 2023-04-18
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-13
Company: EQUIFAX, INC.
State: OK
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:
XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive lost count the number of times they called me. I quit answering my phone with unknown numbers. I made the mistake of acknowledging a debt from them and ended up having to pay it all again after it was settled with the the original credit card company. They made agreements and then didnt honor them. This place is a total disaster and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-25
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, XXXX XXXX turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was returned. A year later, an {$800.00} collection appeared on my credit report from XXXX XXXX 's debt collector credence resource management. I have disputed the account multiple times but received no response, and it has not been investigated, removed, or resolved. My children and I are deeply affected by this situation, and I need this account removed from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. I do not owe XXXX XXXX any money. If this doesn't get resolved, I intend to sue for further damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX to set up a payment plan after finding out that XXXX would only be giving me a credit with their account and not sending me the money to pay off my XXXX account ( I was told the promotion I was supposed to get with XXXX was not authorized and that's why it took a few months ). XXXX agreed and said as long as I paid it, I wouldn't be sent to collections. I'm a XXXX veteran and single mom and had just moved so I didn't have much money. I paid XXXX in XXXX, {$300.00} XX/XX/XXXX and XXXX XX/XX/XXXX. They then reported me to the credit bureaus and my credit dropped over 80 points. I tried calling them repeatedly and they just kept saying they couldn't help me and I needed to call IC systems ( the collection agency ). I then filed disputes with the credit bureaus and filed with the XXXX. Yesterday I received an email from XXXX with executive corporate offices of XXXX. He said my debt was valid and that I needed to call IC systems. I responded to him with proof and to the case worker with XXXX because she also sent me his response. This is illegal, and inaccurate. I do not owe them anything and this has been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IN XXXX I JUST FOUND OUT WE WERE XXXXXXXX XXXX XXXXXXXX  CHILD, THE FATHER WAS XXXX. I DEVELOPED XXXX  AND FROM BEING ISOLATED I FELL INTO A XXXX  XXXX. THE WELLS FARGO ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXX SERVICE WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX  BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.

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 2023-04-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a call from a Debt Collection Company ( XXXX ) saying that they received my information from Synchrony Bank and that I owed a {$110.00} debt that they were collecting on ( from a XXXX debt ). I explained that I did not have a PayPal credit card, and that all Syncrony Bank debts have all been paid ( current balance {$0.00} ). The woman on the phone told me that for additional information regarding what the {$110.00} balance was referring to, that I would need to call Syncrony directly, and provided a number.

I called Syncrony from the phone number found via XXXX ( fearing a scam ). I called many different numbers but was unable to actually speak with a customer service rep. After about 30 minutes of trying, I finally called the number provided. It sounded like a legitmate Syncrony Help Line ( even mentioned FDIC Insured and that the call was recorded ). The customer service rep asked for my phone number and confimed my {$0.00} Balance. The rep DID ask for my social security number to look in the system to confirm there were no other outstanding balance that may not be tied to my phone number. Again, no outstanding balances. 

Overall, I am not sure what happened here- but I believe the inital call to be a scam.

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 2023-04-17
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The public records for XXXX XXXX XXXX that are more than 7 years old are reporting on my background checks for employment causing denial for employment. This information was once removed from my reports since it was a XXXX committed in XX/XX/2009. 

Please take this information off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
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:
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. 

XXXX XXXX XXXX XXXX  Retail : account # XXXXXXXX XXXX : account # XXXX CXXXX XXXX XXXX : account # XXXXXXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants Adjustments ServiceXXXX XXXX  did not prove the indebtedness. 

Why remove it if the debt was legitimate and the services were provided? That supports my assertion that they have BOTH breached the law and committed a crime and caused me irreparable harm. My credit worthiness, reputation, and capacity to receive credit have all suffered. You must now pay me punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/2022 ; XXXX ; XXXX XX/XX/2022.

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: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Request a debt validation letter and recieved today. Notice the balance from the hospital is less that balanced owed in letter. Noticed the letter stated the account balance. My periodically increase due to the addition of occurred interest as provided in the agreement, with the original creditor are as otherwise prohibited by law. 

This is a medical debit without a judgement they can not legally charge interest in the state of XXXX  called and asked them to remove Intrest and they said they would contact thier client XXXX XXXX or they could waive the intrest if I paid the balance in full.

Company response to consumer: Closed with explanation