BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Paypal Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I applied for a loan through PayPal 's " Pay Monthly '' service for about {$420.00}. I was denied and the reason I was given for the denial was due to missing information about my credit score or history. 

The issue is I have applied for six different loans through this service and was approved without any issues. In fact some of the loans that I got approved for exceeded the amount I was applying for. 

When contacting PayPal 's customer support over this issue they basically say they can't fix it because their systems do a random background check. When asked if paying off any of the preexisting loans would help the process they simply give you a non answer. 

Additionally, PayPal 's application process says that this service can affect your credit score or history, but none of the credit bureaus that I have contacted have this information and they don't have any information regarding my on time payments for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX  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 non-monetary relief
Consumer complaint received 2023-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Usaa has reported me to XXXX XXXX XXXX for an account I didnt opened I lost the dispute with the bank and they sent debt and made it to where I cant get a bank account for the next 5 years I didnt do this and want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Bread Financial Holdings, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/23, a balance transfer was made to XXXX XXXX  credit card from XXXX XXXX XXXX ( XXXX ) to clear debt. Not seeing the transfer was not applied to my XXXX XXXX  account, I contacted them around XX/XX/23 and they claim never receiving the mailed check from XXXX. I contacted XXXX and they stated that the check had been received and cashed by XXXX Bank on XX/XX/23. I have received documents from the credit card company to let me know they were investigating. On XX/XX/23, they requested a copy of the cashed check which I mailed via certified mail XX/XX/23 and was signed upon receipt XX/XX/23. I contacted them again and they responded perhaps the check had been declined and returned to financial services. In which case, that did not happen. Receiving another letter requesting a copy of the cashed check XX/XX/23, I resent request of the copy of the check via certified mail XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sought to make an online transfer of funds from my savings account. Because I had made a transfer the day before at the maximum amount they told me that I could not make additional transfers from the account until 4 days after those funds had cleared even though though the funds had come out of my account. Funds are therefore trapped and I am unable to access. They told me that this is to prevent fraud even though the account that I was transferring to is a pre-established and verified account that I have used for years. No where online in the disclosures that they have published online is this restriction described. They claimed that some months ago an e-mail was sent to customers notifying them which I do not recall receiving but even if this is the case why isn't this published in their online disclosures?

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 2023-08-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts- XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

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 non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: WV
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Dept of Education : # 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 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 in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: VA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My chase check account was closed by the company around XXXX, the company said they will send a check to my place but I didn't receive it, and they said they will resend it again, however, a few days later they said they need to have some documents signed by me and then can send the check, but later they said I have to go to any branch to do that myself. Which is not an option for me now since I am not int the states now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX FIN XXXX, XXXX  XXXX XXXX and XXXXL XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXI XXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have my home financed with Nationstar Mortgage, I am going thru a divorce my wife was awarded the house in the settlement however I had to maintain payments until the divorce was final. I have maintained my payments thru XXXX XXXX after divorce was final my wife was to take responsibility as of XXXX XXXX I have receipts to prove that I am current thru XXXX XXXX XXXX XXXX. My finance co filed foreclosure on my house stating that I have n't pay'ed payment since XXXX XXXX which is not true. My payments were late due to XXXX from military and going thru a divorce the past year however I still managed to pay my note as of to date have my payment current. I did not pay XXXX payment because my ex-wife was awarded the house in XXXX XXXX she was to pay XXXX payment and get the house refinanced in her name. So basically my complaint is that Nationstar wrongfully started foreclosure proceeding in XXXX XXXX when my payment was current and due for the same month that they put my house into foreclosure. the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: PA
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. 

account XXXX XXXX # XXXX account XXXX XXXX  # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX XXXX XXXXXXXX account XXXX  # XXXX 15 U.S.C1681 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 items of information, other than records of convictions of crimes 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX investments ( XXXX : XXXX ) * reporting on XXXX report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX XXXX ( XXXX ) *reporting on XXXX report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX ( XXXX XXXX XXXXDate open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF 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 EXIST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: AL
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 disputed n accordance with the Fair Credit Reporting act Account Name : XXXX XXXX  Account Number : XXXX Balance : $ {$19000.00} has violated my rights On XXXX XXXX I sent a letter to XXXX for proof of original agreement. I haven't receive my documentation of proof instead a letter stating the account has been verified but I need to know how the account was verified. Furthermore, they are continuing to defame my character in my credit report. I have attached a printed document of them changing their remark reducing my credit score by XXXX points. This is grounds for removal and if this account continues to come back verified without the proper documentation, I will be forced to take further action.

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 that a consumer reporting agency can not furnish an account without my written instructions.

Also, the credit bureaus took more than 30 days to complete my investigation. 

According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the item immediately removed from my credit report. 


Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: GA
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent inquiries from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: SC
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:
While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX XXXX  ; XXXX, Delete this XXXX for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 XXXX. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation