BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: DISCOVER BANK
State: AZ
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 noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own and operate a nonprofit XXXX animal rescue. PayPal has locked our account with over {$4700.00} of donations which we may or may not have access to by XX/XX/2023. This will shut my rescue down. We are fully dependent on these donations. 

XX/XX/XXXX our PayPal account was limited for no provided reason. XX/XX/XXXX it was reinstated stating it was an error in their system and shouldnt happen again. By XX/XX/XXXX the account was limited again for no stated reason. Again it was stated via messages this was in error because a white flag was on not the account after the last erroneous limitation and the account would be reinstated and have no further problems. The account was reinstated and allowed donations to be received again. On XX/XX/XXXX just after making a purchase of stamps to mail out records to our adopters our account with PayPal was permanently closed with no justification ultimately locking over {$4700.00} of our donors donations that fund our nonprofit animal rescue. 

PayPal stated we may be eligible to receive them but have it wait 180 days to find out if we get them or not due to risk on our account. We have never had a charge back and our donations are non refundable. Those funds should be immediately released to our nonprofit bank account and we have no issue no longer conducting business with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received a payoff quote of XXXX and gave approval for lender to withdraw funds from my account to pay off mortgage. On the following day XX/XX/2023 the funds were withdrawn from my account. I originally called and was told they couldnt find the documentation. When I foolowed up from my original request they found the payoff quote but unsure why payment withdrawn from account was not applied as payoff. Again i contacted Mr Cooper mort servicer they stated they didnt have documentation needed to correct payoff. On XX/XX/2023 documentation and proof of payment was sent and received by Mr Cooper mort. I have been told since XX/XX/XXXX then it would be corrected in a week of two. It is now XX/XX/2023 and Mr Cooper has not completed the payoff or released my title. They have continued to send statements, late payment notices and have made negative reports against my credit. I do not seem to be any closer to a resolution. I have sent them the payoff quote and bank statement showing funds withdrawn. If needed can be resent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I have a student loan with XXXX XXXX XXXX. They sold my loan to XXXX Financial in XXXX. XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. Claiming that I made late payments in the year of XXXX. I have not made any payments towards my student loan at all. I have been on a deferment plan that currently has my payments on hold. I have called and spoke to multiple people at XXXX XXXX, they have all asked me to turn in any proof of documents that I was XXXX from the year XXXX to now. I have turned in the documents. I have called and I have uploaded those documents to the student portal. XXXX XXXX inaccurate reporting is affecting my credit score. I have let them know that these inaccurate information of payments is affecting me. I have been XXXX since XXXX of XXXX. Since than they are reporting inaccuracy payments. They asked me to send proof so they can remove the errors and correct them. When I do what I am asked they do not take any action to my complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I changed phone companies and they wouldnt port my previous number so it was changed Vio Bank a division owned by Midfirst bank will not change my phone number on my account. I have verified with two service agents on the phone my account, my birthdate, last four of social, code word on account, I have been told by two other reps to go to a midfirst branch and I knew midfirst reps can not change anything in vio system. Then they asked for proof from phone company which was sent through a midfirst branch. This has been two days and they are still holding over $ XXXX hostage. I am now at XXXX on Friday and scheduled to fly on vacation which I will have to cancel because

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The private XXXX loan on all three of my credit reports XXXX XXXX two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX  loan, it is a PRIVATE loan.

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 2022-10-14
Company: Experian Information Solutions 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:
This is my seven endeavor to tell EXPERIAN AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  SV XXXX XXXX : {$0.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELFREPORTED XXXX Balance : {$390.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-06-15
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX - XXXXXXXX XXXX XXXXXXXX. 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 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
I have a checking account with Santander Bank. For some time now the bank goes into my checking account and takes money out of my account even though I claim that the transaction was not authorized by me. I have requested the bank to return the money to my account. The bank has refused to return the money to my account. This has been going on now for months. Additionally several stores have issued refunds to be credited back to my checking account debit card and they are refusing to credit my checking account. Or the bank is taking a very long time to credit me for the refunds. This is the holidays and I need my refunds credited to my checking account. I have been waiting for the refunds credited to my checking account. Also the almost {$500.00} taken out put back. Santander is refusing to give my money back and to credit my checking account with the refunds. I desperately need your help. This matter is urgent! 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 2022-12-14
Company: Experian Information Solutions 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 ( FCRA ) these creditors have violated my rights for these accounts : 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 XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Specialized Collections is reporting multiple inaccurate collection accounts on my credit reports. I am not familiar with these accounts and have reached out to them to get documents concerning these accounts as well as validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. These accounts should be deleted from my account now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 Credit Bureaus if they did not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$620.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AZ
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:
Disputes have been sent multiple times to all three credit bureaus, requesting that the credit record be adjusted for the XXXX XXXX XXXX account XXXX, this account provides false information, instead of correcting it or deleting it, the credit agencies do not bother to conduct a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Zions Debt Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an undated notification.from Zion Debt Holdings that I owed a debt in the amount of {$150.00} to XXXX account XXXX. This account was owned by XXXX when I contracted with them. On XX/XX/XXXX I closed the account with XXXX- with a closing date of XX/XX/XXXX ( since we were selling our home on that date ). The account at XXXX was automatically billed to my credit card. XXXX did not bill that account until XX/XX/XXXX. I was surprised with the billing so I contacted XXXX ( who had been taken over by XXXX ). On XX/XX/XXXX, I called XXXX. XXXX XXXX verified that I had closed the account and acknowledged that the agent on XX/XX/XXXX. did not follow proper closing procedures. In XXXX, XXXX I received a letter from XXXX stating that there were no additional charges from XXXX. I still received billings for a few months but those billings disappeared in XXXX, XXXX. All conversations related to these billings with the representatives at XXXX were futile. Since I had had no contact from XXXX in a year, I shredded the letter from XXXX verifying no owed debt. I have had no further interaction with XXXX. Obviously XXXX assigned my referenced account to Zion Debt Holdings without any notification to me of those actions. XXXX has on record a copy of the letter that was sent to me by email in XX/XX/XXXX advising me that there were no debt or fees associated with this account. 
I tried talking with XXXX at Zion Debt Holdings and she insisted that I owed the debt because I had failed to notify Monotronics in writing. However, I explained to XXXX that I had followed all procedures explained to me by XXXX and the representative on XX/XX/XXXX. XXXX stated that the representative in XXXX did not follow all procedures related to the closing of the account.. However, I did not question XXXX about the failures of that employee. We had an account with XXXX for 12 years. I suggested to XXXX that they ask XXXX for a copy of the written verification of the affirmation of no debt. She rudely explained that the verification was my burden and not hers. XXXX let me know that if I had not submitted payment on or before XX/XX/XXXX that she would submit my record to all credit bureaus. 
Please contact XXXX and verify this information on my behalf and request they remove my account from Zion Debt Holdings. 
Respectfully submitted, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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 just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. 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 2023-02-01
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX account listed shows a payment history that is inaccurate. three different payment histories across all three credit bureaus. according to the the law us15 U.S. Code 1681a ( 2 ) - Definitions ; rules of construction reporting of late payments are in fact illegal and I demand that entire payment history be updated to show a 100 percent on time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-09-13
Company: EQUIFAX, INC.
State: WA
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:
My credit information, personal identifying information, and financial history were compromised in the XXXX Equifax breach. As a result I 've placed security freezes with the XXXX credit agencies, totaling {$31.00} in fees.

Company response to consumer: Closed with explanation