BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello dear paypal, my name is XXXX I feel sad due to my account was hacked and nobody want help me with my case. 
All the evidence was reported, different device, different location, vpn conection, different phone number, different address, all card and bank financial, all the information was added to the case and they is still declined without made a good review. 

i want executive check my case and help me with this problem. 

my email is XXXX This is the Case update : XXXX The client reports unauthorized access and transactions. The email XXXXXXXX XXXX XXXX XXXX  does not belong to the client. This email was added without authorization of the client. The terminal bank account XXXX XXXX does not belong to the client and the transactions and withdrawals were not authorized by the client. There is a risk associated with these unauthorized transactions because they were made from a different device. You can also determine access to the account from different places and countries. The connections associated with access to the account were made through VPN CONNECTIONS and the IPs are very different. Other changes that the client did not authorize was, The client 's personal information was changed, such as address, telephone and financial products. All these changes were not authorized by the customer. Please help the customer to get a refund. At this point, I have already helped the client to regain access to his account and now he needs to obtain a refund for the unauthorized transactions. 

Transaction ID XXXX Transaction amount {$5900.00} USD Transaction ID : XXXX Transaction amount : {$8100.00} USD Transaction ID : XXXX Transaction amount : {$1200.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My son passed away unexpectedly last XXXX. Upon contacting XXXX regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the XXXX web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to XXXX for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from XXXX employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

One telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite XXXX forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to XXXX to rectify the situation was met with the XXXX response that their records do indeed show me paying late. 

XXXX may be on the cutting edge of automated loan administration, but their system is painfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had one checking and two savings accounts at Citibank. On XX/XX/XXXX someone walked into Citi branches in XXXX XXXX I live in XXXX  ) and deposited fraudulent checks into my account and made fraudulent withdrawals. Citi alerted me and I blocked and closed my accounts and opened new opens. I also went to the branch and told them which deposits and withdrawals were fraud. Two months later, after visiting the branch for the fourth time and spending at least 7-8 hours there, as well as having to call Citi and spend at least 6 hours on the phone with them, they still just started investigating. In the meantime, XXXX is calling pretending to be Citi asking me for personal information and no one is doing anything to shut them down, they arent part of Citi. 

Citi is a complete mess and not helping me sort out the fraud and there is ongoing fraud with this number calling 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 monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the accounts listed have been properly discharged by the IRS Please make sure that THE ACCOUNTS ARE UPDATED TO PAID IN FULL CORRECTLY this was date XX/XX/2023 here is the evidence it was accepted by the IRS. this was the date XX/XX/2023 it was mailed. I AM ATTACHING ALL EVIDENCE OF THESE DISCHARGE. 

MY COPY B FORM ACCEPTANCE EMAIL. 
AND USPS OFFICIAL COPY B TAX DOCUMENTS MAILED ON CREDITORS BEHALF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: MS
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 cfpb has allowed Experian to violate my rights again. I now have evidence proving that Experian did not investigate the inquiry from XXXX  XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence from XXXX XXXX XXXX and XXXX XXXX and other banks. please stop letting Experian get away with this or I will go the attorney generals office. thank 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 explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The company Credit Acceptance is illegally using my information and incorrect info on my credit profile that is impacting my score. They have a car loan placed on my profile that they have changed the price on multiple times but never corrected the information on my profile that has been proven on both ends as incorrect. Legally the debt collector/collectors must update the correct info or remove the account if it isnt. It has been over 2 years the account has not been updated with the correct information. Also the company illegally repossessed my vehicle for the 2nd time and still have yet managed to update that the property they in fact sold at a auction and ( sent no paperwork ), and continues to show a negative balance for property they have and continues to only up date a negative price they claim i owe.

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: Aldridge Pite, LLP
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS NOT A DUPLICATE! 


I AM WRITING IN REGARDS TO COMPLAINT XXXX FILED UNDER MY WIFE XXXX XXXX WITH THE CFPB . PLEASE NOTE THE REASON WHY I AM ILING THIS COMPLAINT UNDER MY NAME IS BECAUSE THE CFPB PORTAL WILL NOT ALLOW MY WIFE TO PROIVDE AN OVERVIEW OF THE DESCRIPTION OF THE COMPLIANT. THE BOX WHICH ALLOWS ME TO PROVIDE THEIS INFORMATION WITHIN HER PORTAL WILL NOT OPEN UP. IT ; S AS IF SOMEONE MAY BE TAMPERING PREVENTING HER FROM ENTERING THE COMPLAINT. 

WE ARE WRITING IN REGARDS TO ALDRIDGE ITE LLC. WHO WAS OBTAINED BY XXXX BANK TO FORECLOSE ON XXXX XXXX XXXX XXXX, XXXX GEORGIA. MY WIFE DID CONTACT AP ONTODAY REGARDING THE LETTER DATED XXXX WHICH WAS RECEIVED TODAY, HOWEVER WE RECEIVED A LETTER FROM AP DATED XXXX ON ABOUT XXXX. 

AN UPDATE WS PROVIDED TO BOTH ENTITIES, ALDRIDGE PITE LLP INFORMD ME TO CONTACT XXXX, BUT THEY ARE THE LEGAL COUNSEL FOR XXXX XXXX XXXX. XXXX CONTACTED XXXX XXXX XXXX AND PROVIDED AN OVERVIEW AGAIN AND THEY WERE ONLY CONCERNED WITH GETTING THEIR HANDS ON ALL OF THE INFORMATION SUBMITTED TO FEDERAL DEPARTMENTS. AGAIN, IT IS VERY OBVIOUS XXXX BANK IS ATTEMPTING TO STAY AHEAD OF THIS CASE AND COVER THIER LIES AS THEY NORMALLY ATTEMPT TO DO. 

I INFORMED XXXX AND XXXX XXXX  TO CONTACT THE US ATTORNEY GENERALS OFFICE IS THEY ARE IN NEED OF SUBMITTED DOCUMENTS. BOTH XXXX AND ALDRIDGE PITE XXXX MADE IT VERY CLEAR ALL DOCUMENTS NEEDED TO BE SENT TO THEM DIRECTLY, I INFORMED XXXX XXXX TO INFORM XXXX BANK TO MEET OUR DEMANDS BECAUSE IF WE GO TO COURT IT WILL NOT WORK TO THEIR BENEFIT. 

AM INDIVIDUAL NAME XXXX XXXX XXXX CONTACTED MY WIFE INQUIRING WHETHER OR NOT WE RECEIVED XXXX FROM A FORECLOSURE OF XXXX XXXX XXXX. XXXX GA XXXX. HE WAS INFROMED IT WAS NOT A FORCLOSURE THE HOME XXXX STOLEN BY THE US BRC TRUSTEE, WE ALREADY KNEW WHAT WAS TAKEN PLACE VIA THIS INDIVIUDALS CONTACT. ALDRIGE PITE WAS REPRESENTING XXXX MORTGAGE AND XXXX FOR XXXX XXXX WALK NAD LIED AND STATED IT WAS ABANDOND, WE ARE DISPUTING THE LOAN, MONEY AND ALL. EVERY KNOWS THIS IS FRAUD. SEE ATTACHED DOCUMENTS AND THE SICK RELATIONSHIPS. STRAIGHT RETIALTION BASED ON PREVIOUS REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 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 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 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a natural person Im a living human being. I have alienable rights under 15 USC 1681 those unalienable rights have been violated multiple times and now Im being discriminated against for false or misleading credit reporting. As the creditor and the secured party I DEMAND these account immediately.. I have the right to privacy, and I did not give written consent to XXXX to furnish these accounts or any other credit reporting bureaus. Id appreciate if you guys would make sure you do your jobs as trustees and get this taken care of immediately and get my score were it should be as a creditor and secured party!. 

By 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 TRANSUNION XXXX / XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX / XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX via 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 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 XXXXXXXX, I appreciate your time and effort as I know this is a big list

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Frontline Asset Strategies, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by FRONTLINE ASSET STRATEGIES has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CONTRACT CALLERS INC
State: AR
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:
3 COLLECTORS ARE ON MY CREDIT REPORTS, CEASE AND DESIST COLLECTIONS AND GET OFF CREDIT REPORTS. OR BE SUED IN CLASS ACTION LITIGATON.

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 2023-04-12
Company: FIRST PORTFOLIO SERVICING INC
State: TX
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:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( 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 when such an action is a clear violation of my consumer rights in accordance with the FCRA XXXX! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company response to consumer: Closed with explanation