BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On this day of XX/XX/2022 I had sent XXXX $ to an email posted in the attachments below. 
I was contancting this man via the XXXX XXXX whilst trying to sell my sailboat. He sent me a very beliveable email from what I thought was PayPal. He stated i nthe email portraying PayPal that he had send me an agreed upon ammount of money equating to XXXX $ USD in exchange for my sailboat. In this email " PayPal '' stated I had excedded my transaction time limit and that he had sent me more money than agreed. " PayPal '' stated that I would recieve XXXX $ USD and that I had been given an extra XXXX $ for this issue. All I would need to do is send him XXXX $ back. Naturally I used the banking transfer app XXXX assoicated with my bank ( XXXX  XXXX XXXX ). I sent him the XXXX $ and he then sent me another email stating that I now had XXXX USD $ in my account and I would need to send him the XXXX $ USD to him in order to be paid for my sailboat. I then realized I was being scammed and proceeded to gather as much information as possible on him and file a report with the Federal Trade Comission for Scam/Fraud . I provided the Federal Trade Comission with his name, address and email as well as telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, INC.
State: CA
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:
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrowe r [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be discharged at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.      HAPPY   XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX    XXXX   is blaming the credit transunion and transunion is blaming  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 2022-04-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$830.00} / XX/XX/2021 XXXX XXXX/ {$550.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made {$200.00} x2 {$400.00} charges om my credit card ending in XXXX then I issued a refund to the same card and paypal zettle can't find my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i will like the following inquiries thats listed in this statement aswell as the the inquiries listed in my FTC REPORT deleted and removed from my credit report as these inquiries was not auothrized by me { XXXX  ) inquiry date ( XX/XX/2022 ) ( XXXX XXXX ) inquiry date ( 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 explanation
Consumer complaint received 2018-06-01
Company: JH Portfolio Debt Equities, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These items on my credit report is inaccurate and is not mine and also not validated.

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 2018-06-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called American Express to add an authorized user. The agent offered a zero interest for 15 months with a transfer of my current to a different type of American Express credit now being offered. The interest rate once the promotion expired was about what I was paying, so I accepted the offer. The agent state she added the authorized user. 

I received a credit card, but no credit card for authorized user. I called because the terms did not read what I was told. They said there was a mistake by the agent. 

A case has been opened XXXX, and they have offered reward points, but not what was originally offered. I have requested my notes and a review of my call, but have not received anything. They say they have called back, but they aren't leaving messages or notes of substance. 

The language is cumbersome on these credit cards, but read, read, read before you proceed. I'm using this card or agreeing to the written docs, until they keep their word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
During  XXXX   XXXX ,  201  6 Wells Fargo placed an account for which i never applied for. I called and asked for it to be removed. However Wells Fargo h as only removed the inquiry from my  XXXX  report. It is still in both my   XXXX   and  XXXX  credit reports.   The inquiry : Name  : Wells Fargo Pl & L Inquir y Date :  XXXX   XXXX ,  2016  Phone: 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 2021-11-12
Company: DISCOVER BANK
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. 
Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. 
Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. 
This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? 
I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. 
Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 - Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights XXXX XXXX - Acct XXXX XXXX has violated my rights XXXX  - Acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

1

5 U.S.C 1681 Section 604 A Section 2 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 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 2022-04-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Premium Credit Bureau
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX  pulled a hard inquiry on my credit without my consent. I signed up for their services for credit repair but instead, they messed up my XXXX and XXXX credit score even more. I called them on XX/XX/XXXX to have it removed ; they told me in the confirmation email I received in XX/XX/XXXX that it states their services require a hard inquiry. I read them the email, and there was no indication of hard inquiry. So they told me to dispute it through XXXX and XXXX. I recorded the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ran a credit report on  X/XX/17  and saw I had a collection from Diversified Consultants for {$940.00}. I contacted that debt collector and was given information that there was an unpaid bill under my name for  XXXX . I was given an address that the account was under (  XXXX , Illinois ) I informed the Diversified Consultants that I have never lived in Illinois and they informed me to contact  XXXX . On the same day, I contacted  XXXX  and they were unable to verify how the account was opened. I spoke with a woman named  XXXX , who informed me to fill out a fraud report on their website and that would begin the investigation. Furthermore, I sent a certified letter to Diversified Consultants, asking for any written evidence that this account was opened in my name. On XX/XX/XXXX  I received a letter in the mail from Diversified Consultants stating that the name and address for the debt were verified and was sent a copy of an  XXXX  bill in the amount of {$1200.00}, addressed to my name, but an address in  XXXX , IL. On  XX/XX/XXXX , I filed a report with the FTC Identity Theft Center as well as an investigation to be completed through   XXXX   XXXX   and   XXXX   to remove this fraudulent activity from my credit report. On  X/X/17 , I will be filing a police report with my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was the victim of a scam. I was called by a person using the Chase phone number identifying themselves as a Chase representative. They took {$5000.00} from me using XXXX. Chase has refused to identify the person who took my money but its in the Service Agreement that all disputes need to be resolved by the parties in the transaction. Chase has refused to identify the person who received the money. I have tried everything for months, contacting Chase, XXXX, even going through the Washington State Attorney General. I found out from a lawyer yesterday that I have no protection under the EFTA and Regulation XXXX because my account is a business account. Is this true? I am a XXXX XXXX XXXX XXXX, no employees and no one else on my account. Is it true that Chase can attach a product like XXXX to my business account without any of the protections that personal banking customers get? On top of having money stolen from me I feel like I have been set up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: AES/PHEAA
State: CA
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:
Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower  [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  discharged  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was told by the dealership that I had to put a down payment of {$10000.00} in order for the bank to fiance the XXXX. I call the people who fiance the contract and I was told by them that they dont require a down payment and that was the dealership doing. I was explaining to them the violation of TILA. 15 usc 1605 ( c ). I had to pay for insurance before I could get the vehicle. 15 U.S. Code 1635 - Right of rescission as to certain transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you

Company response to consumer: Closed with explanation