BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers.ALL Shipments Confirmed / Delivered They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers. ALL Shipments after Checking Tracking are Confirmed / Delivered. When I logged in to my paypal account I had received a message that states " Your account access is limited. Learn how to remove this limitation. " Upon clicking the notification on the right hand corner of my paypal account this is the message that appeared : You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that 's inconsistent with our User Agreement and we can no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you ca n't send or receive money. Any money in your balance will be held for 180 days, at which point we 'll send you an email with instructions about transferring your money. 

Reference # XXXX I have learned that this is NOT ONLY NOT ETHICAL BUT ALSO ILLEGAL BY HOLDING MY FUNDS. I want MY FUNDS IMMEDIATELY RELEASED. I did my part by SHIPPING OUT MY PRODUCTS. I WANT TO BE PAID. I AM NOT ONLY OUT MY PRODUCTS THAT I HAVE SOLD BUT ALSO MY MONEY THAT I AM OWED. ANYONE THAT IS READING THIS THAT WANTS TO BEGIN SELLING ON EBAYXXXX PLEASE PLEASE I URGE YOU TO OPEN A MERCHANT ACCOUNT AND STAY AWAY FROM PAYPAL THEY ARE THE BIGGEST CROOKS IN THE WORLD WHO HIDE BEHIND THERE BUSINESS. 
Account ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Old information reappears or never goes away

Complaint:
There is an open collections account from CONSUMER ADJUSTMENT that was added to my Equifax credit report on XX/XX/XXXX. This was a credit card account that was closed XXXX days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but Equifax refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from Equifax as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both Equifax and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report thru Equifax and I saw that there is a collection from XXXX XXXX XXXXXXXX. I contact them and asked them to verify. XXXXXXXX XXXX XXXX said that the balance is XXXX and it shouldnt be there. Equifax is saying when I disputed that I owe a balance because they verify it. I have no idea who XXXXXXXX XXXX XXXXXXXX is and it shouldnt be on my report. This who thing has been a nightmare and its affecting me personal and financially. Please removXXXX XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: VA
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 the case of all three credit reporting agencies ( Experian, XXXX, and XXXX  ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

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 2021-06-16
Company: EQUIFAX, INC.
State: FL
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 called Equifax repeated ly from XXXX to XXXX XXXX to dispute an auto account with XXXX XXXX auto finace on the payoff on XX/XX/XXXX. Where XXXX  XXXX auto fince was over paid on XX/XX/XXXX was not late I sent them all the documentation proving my point the pandemic had started on XX/XX/XXXX there was a Stay at home order issued in XXXX Florida I traded my car into XXXX XXXX XXXX They overpaid the payoff by XX/XX/XXXX to XXXX XXXX in California. XXXX XXXX Auto is trying to ruin my credit They refuse to correct the error NEVER have I been late on any car loan ever I have had many the pandemic caused the payoff to get there by end of the month when the payoff was still good and in fact overpaid XXXX XXXX sent an overpayment check to me XXXX for XXXX. I was never late on the payoff my car was traded in Nobody was at work due to pandemic they did pay off my car by end of the month before the payoff was due and the pandemic had started Equifax refused to fix this based on all the correct documentation I had provided them twice Now today XX/XX/XXXX, XXXX their representative said they no longer have documents oh well guess your late it stays I have never had an agency behave like this deliberate to ruin my credit these calls are recorded she refused to give me s a supervisor I am a victim of fraud and identity theft I watch my credit carefully. I was never late both Equifax and XXXX XXXX auto are wrong in this matter. I need help I am just a consumer I need the right thing done here. I cost money to make copies all the time I was hurt during the pandemic a nationwide stay-at-home order was issued in XXXX of XXXX. Please help to get the truth out XXXX XXXX auto is a large company and refuses to do the right thing so does Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased our home as an estate XXXX. The executor of the estate failed to notify the Assessor 's office that the owner was deceased prior to these taxes being paid, therefore the exemptions of {$620.00} were applied to the XXXX school taxes. The unentitled exemptions were then applied to the XXXX XXXX taxes. This extra charge on the XXXX XXXX taxes made the taxes appear to be more than anticipated. However, this is not a tax increase and should not be anticipated towards the XXXX taxes. Caliber home loans is taking this added exemption fee as a tax increase and they are raising my monthly payment {$210.00} in anticipation of this being the new tax amount. I have forwarded a copy of the XXXX tax bill clearly showing the exemption removal fee of {$620.00}, a letter explaining this situation, a tax record information sheet that shows a more realistic tax amount, and the letter showing these exemptions being removed late. The company conducted a review by calling the town and asking what the XXXX tax amount was. I am not stating that the XXXX tax amount should be lower, I am stating there was a fee added that should not be anticipated for the XXXX taxes. The representative and supervisor that I spoke with today both stated that they will do nothing for a one off situation like mine and will not accept any proof other than a tax bill showing a lower amount. I asked if I could ask for a more realistic tax figure from my town hall and they refused this is well. I was even told that their research department only handles paying taxes and would probably not even know what to do with a situation like mine. I feel that it is extremely unfair that I am not even able to prove this discrepancy and am being forced to pay an amount that I have expressed is to high and have proof that is incorrect. Their solution is to pay this unaffordable amount from now until the new tax bill comes out in XXXX and if the amount is less they will refund me. This is not realistic as I do n't believe that I can afford the new proposed monthly payment. All I want is a fair review and an opportunity to pay the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Improper report, in accordance with the fairy credit reporting act, this creditor has violated my right, on the 15th us.c 1681 section 602 state i have the right to privacy, 15th us.c 1681 section 604A section 2 it also state a consumer reporting agency can not furnished an account without my will and instructions under 15th us.c 1666b a creditor may not treat a payment on a credit card under and open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to Experian. Attached is the last letter that they sent to me. It lacks sufficient information to identify which dispute they are referring to. They did not identify the account I had disputed. They did not reference the date of my letter. They did not reference the report number that I had disputed. How am I to know what they are referring to? Experian is doing a very poor job of communicating. It appears that they do n't take disputes seriously and/or they do n't care about reporting only accurate information as required by the Fair Credit Reporting Act. This is very frustrating to someone who is trying to get inaccurate information corrected on their credit report. The CFPB should address such problems with Experian and get them to comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: GA
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:
There are several accounts that are reporting incorrect status information. I was never late on my XXXXr - 30 days in 2019 on XXXX, XXXX, and Equifax.

I was never 30 or 60 days late with XXXX/XXXXXXXX  XXXX on XXXX  and XXXX. 

There are unauthorized inquiries reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXX. This is identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/2022 XXXX 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 2020-04-10
Company: EQUIFAX, 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:
XX/XX/XXXX XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with Sprint/Boost cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
STATEMENT OF COMPLAINT : With this complaint, XXXX XXXX XXXX is requesting the Consumer Financial Protection Bureau bring enforcement action, both civil and criminal, against Caliber Home Loans , Inc . 

For purposes of this complaint, " Caliber Home Loans, Inc. '' means any principal, partner, shareholder, attorney, contract attorney, representative, agent or employee performing any service or work related to any foreclosure, past or present, connected to any mortgage loan, deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County, Colorado. 

Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including, but not limited to, the Federal Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Caliber Home Loans is and was, at all relevant times, engaged in the collection and attempts to collect, both directly and indirectly, a time-barred debt from XXXX XXXX XXXX, which Caliber Home Loans unlawfully alleged was owed and due to others. 

Additionally, seven years of relevant documents, business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead, intimidate, and harass XXXX XXXX XXXX, in violation of both state and federal settlement agreements. 

Moreover, XXXX XXXX XXXX has probable cause to believe that court documents and court records, along with relevant business records and communications, establish Caliber Home Loans knowingly and intentionally engaged in coordinated and debt-collection activities in violation of FDCPA to commit a fraud on the PUBLIC TRUSTEE OF XXXX COUNTY. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

Finally, XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint, as if specifically set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I lost my cell phone in a XXXX XXXX  on XX/XX/XXXX. I had my carrier turn the cell phone off, but the wifi functions were still active. Transactions began to be transferred or withdrawn from my bank and my PayPal accounts. My bank stopped the charges and made a partial refund, but PayPal refused to acknowledge the transactions as unauthorized. I have been wiped out. I had a business account under one email address with PayPal for XXXX XXXX XXXX XXXX  : XX/XX/2022 Instant Withdraw to Debit Card Completed- {$790.00} XXXX XXXX second account was for person business only, under a second address : XX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$430.00} XXXX Transaction ID XXXX Seller info XXXX XXXX XXXXXX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$240.00} XXXX  Transaction ID XXXX Seller info XXXX I reported these transactions within 48 business hours as specified in the PayPal Terms and Conditions with PayPal refusing to return the funds. I have since closed these accounts and deleted the cards associated with them. I need help.

Company response to consumer: Closed with monetary relief