BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of ID theft. I am a California resident but someone out of state has taken out mortgages and credit cards in my name. 
I alerted the bureaus of this by mail XX/XX/XXXX ( see attached letter to transunion. I also sent a copy of a police report ( see attached ) and an id theft report from the FTC. 
All the bureaus complied and blocked all the accounts, but Transunion failed to do so. 
Instead of blocking they simply deleted the accounts and re-reported an account from XXXX XXXX XXXX after deleting. This is a violaiton of the FCRA which states they are to block fraudulent information. My last call to Transunion brought no remedy as they said they wo n't be removing the account from my credit report.

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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks

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 2015-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I settled with XXXX bank and XXXX XXXX XXXX and they are still reporting my full original balance due on credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/XXXX, XX/XX/XXXX i notice XXXX bankrupcy appears on my credit report with XXXX that i didn't notice until i credit my credit report so i contact the clerk of court .they stated it couldn't be verified. I constantly tried to dispute these items with XXXX but was unsuccessful, so i spoke to the supervisor XXXX XXXX from XXXX XXXX and they was aware of the situation delected off my credit report it was consider not file and unvertified. also XXXX is reporting hard inquiries, late payments which i never appears late. I need this matter to be resolved where i can get approve for credit anywhere it effective my life. So i am asking for help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Jefferson Capital Systems is attempting to collect on a debt that is illegal to collect on due to the Statue of Limitations in the state of XXXX and 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 2022-01-31
Company: Experian Information Solutions Inc.
State: NJ
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:
The accounts below are reporting on my personal credit file with EXPERIAN. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the account below. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( XXXX XXXX XXXXXXXX )

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 2017-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, 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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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 604 A Section 2 : It also states a consumer 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 explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-31
Company: EQUIFAX, INC.
State: NJ
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:
The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Paypal Holdings, Inc
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal has repeated charged my bank account/credit card without authorization. 

I made purchases on ebay with ebay giftcard paying the full balance. On the checkout screen it was clear that the ebay giftcards I used was paying the full amount of the transaction. However 1 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Paypal for {$100.00} for a transaction that was paid in full with a ebay gift card 2 ) XXXX/XXXX/2016 My bank account ending in XXXX was charged by Palpal for {$0.00} for a transaction that was paid in full with a ebay gift card 3 ) XXXX/XXXX/2016 My credit card ending in XXXX was charged by Paypal for {$0.00} for a transaction that was paid in full with a ebay gift card 4 ) On approx. XXXX/XXXX/2016 Paypal took {$75.00} off my ebay gift card # XXXX without leaving any record. 

I have contacted Paypal many times and never got a clear response on issues involving ebay gift card. Ebay claimed there was not enough balance on my ebay gift card, which was why my bank account/credit card was charged. This was clearly not the case in none of these incidents. My ebay giftcards had enough balance to cover the transaction, as was shown on checkout screen before I confirmed the order. 

In incident XXXX XXXX taking money out of my ebay giftcard with no communication is an act of fraud. 

After some research on the Internet I found out similar things happened not only to me, but a lot other ebay/Paypal customers. 
XXXXSiteSearch Attachment shows the balance on the ebay giftcard involved in incident XXXX clearly there was more than enough balance to cover the full amount of the transaction. 

The case ID at Payapl # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased an item from ebay.com Marketplace in the amount of {$32.00}. The item was a trunk lid cover for my XX/XX/XXXX Mercedes Benz E320 wagon and according to the seller 's listing, should have fit my vehicle ( see attached ). However, it does not and I do not feel that I should bare the responsibility of paying to send the item back to the seller. I made the purchase in good faith and expected what was advertised. This is false and misleading advertising as well as a common scam with ebay sellers. 

I am still in possession of the truck lid cover as I refuse to pay for shipping to return the item. According to the seller 's ebay ad, he/she assumes all responsibility for their listing. As a buyer, I presume this to mean responsibility and accountability for making statements which are false and/or misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A payment in the amount of XXXX was sent to a XXXX XXXX via Paypal Credit on XXXX XXXX, this was sent in error. Two previous payments made from my regular Paypal account in the amounts of XXXX on XXXX XXXX and XXXX on XXXX XXXX, also to sent to XXXX overdrew my account. The payments were made from my checking account and were both returned, Paypal in turn overdrew my account bringing it negative XXXX. I was unaware of this and sent another payment of XXXX to cover both payments, which I thought were returned and not sent to recipient. I have since disputed this transaction with Paypal Credit, however, they keep requesting proof of prior payment, which was already provided to rep who took dispute information over the phone. I called in again on or around the XX/XX/XXXX or possibly week before with the same information, also provided above. Ive also sent this via secure message on Paypal.com. Please note, the payment ( s ) were for services rendered from an XXXX XXXX, she was or is using XXXX XXXX 's Paypal account to receive payments for herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the fair credit reporting act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVERBANK is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. TXXXX XXXX XXXX XXXX XXXX ) is not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Paypal Holdings, Inc
State: MN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hello, Thank you for taking time to review my complaint. Today I am requesting an investigation into PayPal Credit. Apparently, on XXXX XXXX, 2015, I was enrolled into PayPal Credit without my permission or acknowledgement. Therefore after, several purchases were made against this credit line, in which I assumed, should have been coming straight from bank account. All the purchases I made under this credit line were valid, and I have no problems paying what I owe, however, I should n't be penalized the late fees and interest because I never agreed to this service. I did manage to sort it out with PayPal, my credit line is canceled and one late fee was removed, however, now I will have this scare on my credit rating. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was in a refinance process with US Bank between XX/XX/XXXX and XX/XX/XXXX. I already had my original mortgage with US Bank, so all the information was there to refinance a new one. Long story short, my escrow fund for XXXX was put toward payoff of the new loan without my permission or knowledge. I repeatedly stated I wanted to make sure I had XXXX tax money to pay them in XXXX. Ultimately, I was informed after closing that my escrow I had saved up until XXXX of XXXX was gone and I had no tax money to pay for those taxes. I have attached more details to the process below. 

I have had correspondence with Customer Advocacy through mailed documents only and have found it hard to even talk to a person about filing a complaint or someone who even knows what their process is. Basically, they have said we are sorry, but there is nothing we can do.

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 2015-05-27
Company: Delray Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.

Company response to consumer: Closed