BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Is well knownAnd from research that I've done on my own this is why they put ahold on your account it's because that's the only way they make money when they put ahold on your account they then gamble with your money trade it on the stock market and then 9 times out of 10 they will not remove the hold and that is what they Did to me the. I have XXXX I used to get paid through using PayPal by my clients a lot of them Never had an issue with PayPal until around XXXX of 2020 I had transferredMost of it to my bank but it had left The {$2100.00} In my PayPal All of The setting my account is restricted I did everything they asked and they never Released the hold PayPal is nothing but a scam and thievesDid n't violate any of their policies or rules or have any suspicious activity. That's just a big XXXX  lie they tell people Because PayPal does not make money on their products they make money by putting ahold On consumersOn consumers Account so they can gamble with that money then they usually never end up releasing They act like they're a bank but they're not So I am rescending my signature for the contract they supposedly have but can't produce. I want my money back They are breaking every law in this industry they can't just take people 's money and keep it even though that's what they do it's because nobody seems to shut them down and they should be shut down Because they are scamming hard working consumers money Like Pirates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.

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 2022-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing a bank fraud complaint against JP Morgan Chase Bank regarding an unauthorized debit transaction from my checking account. 
Someone withdrew {$2500.00} from my account over the counter without my authorization at JP Morgan Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/2022. The withdrawal slip shows a signature different from my ID signature. The persons date of birth, address and phone number do not match my personal information in Chase bank system either. 
I want to make it clear that the debit transaction was not carried out by me in any form. In fact, the fraudulent transaction succeeded because bank employee did not follow standard protocol, failed to verify customers identity. Chase Bank ignored their own mistakes and promptly denied my claim without conducting a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NJ
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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}, XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2022-12-02
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement. The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this. I believe UMB is making their decision based on either XXXXXXXX XXXX  or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my husband 's account. Also, because of XXXX practices, I do not share my husband 's last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, I bought goods through PayPal with a seller from New Jersey ( XXXX XXXX ). The seller cheated me by some pictures to pay XXXX funds through PayPal, totaling {$24000.00}. The main behavior of the seller is : no delivery or wrong delivery ; On XX/XX/XXXX, I initiated a dispute on PayPal. I uploaded a large number of seller 's evidence. After PayPal 's review, I received my refund of {$7300.00} on XX/XX/XXXX. On XX/XX/XXXX, PayPal sentenced me to a failure of {$6500.00} because I initiated multiple disputes, so my account was warned and I was judged as a failure. 
For example, for two payments of the same order, one of them gave me a refund, and the other one did not give me a refund. The evidence I uploaded was not reviewed fairly, but was only warned by the account. 
The seller also agreed to give me a refund during the dialogue, but PayPal really imposed an unfair punishment. I would like to complain about the fraud of the seller in New Jersey and the unfair review mechanism of PayPal. 
I hope the seller 's fraud can be punished, and PayPal can fairly review the dispute. 
I am a PayPal user from XXXX. I hope that the US government departments can make relevant actions against the fraud of US sellers, so that PayPal officials can give me a reasonable explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was a clear violation of regulation F that regulated the frequency of call during a week. Just today I have been called over 7 times. I have tried to contact this company several times but numbers that call do not work. When the call they do not have a person answer the call ; there are times when the call is connected but one answer. 
The collection practices are unethical. The action that occurred on XX/XX/2022 violated Texas Law, TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION. Sec. 392.302. HARASSMENT ; ABUSE, ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Reliant Financial Corporation
State: TX
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: Investigation took more than 30 days

Complaint:
I have reached out to gold acceptance XXXX  multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " gold acceptance XXXX  '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-08-18
Company: WELLS FARGO & COMPANY
State: CA
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:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. 

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 non-monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off a personal loan. Because it was paid off, the account closed. On XX/XX/2023 I realized that my credit score dropped by XXXX points. I called Transunion for an explanation, they had none. I was told that is the way the Algorithm works. There was no other explanation. I had a balance increase on a credit card and paid off a loan for three times as much on my credit card. I checked both XXXX, and XXXX XXXX, neither had made any such changes. There was a 2 point deduction for the credit card increase on the XXXX report and nothing on the XXXX. 
I have had Multiple issues with Transunion regarding my report in the past 2 years. They have been reporting inaccurate information and not properly investigating it. Transunion currently has 13 derogatory accounts on my report, 6 of which are Collections. Neither XXXX or XXXX has this information. I have disputed these items multiple times and requested information from the Original Creditors that the reporting Collection Agency, provide me with the original signed documents, payment history, and a letter from the original creditor that this Collection agency ( XXXX XXXX XXXX XXXX  ) now owns this this debt and has the legal authority to collect any amount that is claimed to be owed, with proof of documentation. As of this date XX/XX/2023 I have not received it after requesting this information multiple times. Instead they continue to report it as accurate. I am requesting that I receive a legal explanation for the credit score decrease of XXXX points, and that until they have provided me the information that I am entitled to for ALL Collection accounts listed on my report or DELETE it immediately. It is very taxing and stressing as I have been dealing with this for over a year and have since had to be put on medication because of the stress. It has also affected my ability to gain credit at a decent rate and even at all.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2023-12-03
Company: DISCOVER BANK
State: NY
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 company is continuing to reflect inaccurate accounting. The timeline is outlined by FCRA 611 5 b 3 and and Discover has still has not complied with the federal protection consumer laws. I am continuing to suffer financially, professionally and emotionally as a result of these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Affiliate Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received notification from XXXX XXXX XXXX that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in XXXX ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They refuse to dispute each inquiry on my credit report that I say that I did not do nor was any of them Authorized by me.they try to get me to do it and Its not my Job its their job.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I do not have a contract with LVNV Funding LLC the debt collector does not have my express written consent or any permission to have my information, it is Identity theft LVNV Funding LLC does not have. my permission to contact me 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see XXXX XXXX XXXX XXXX XXXX or substantiation of the alleged Debt the debt is alleged I have not been supplied proof of the debt under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo, 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

i am challenging the accuracy and integrity of the accounts as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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