BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. 

First and foremost, I firmly believe that this limitation is the result of an error or misunderstanding. To the best of my knowledge, I have always adhered to PayPal 's policies and guidelines. I have never engaged in any activities that would warrant such a restriction on my account. 

I kindly request that PayPal initiates a thorough re-investigation of my case. I am eager to cooperate fully, providing any necessary documentation or information to help resolve this matter promptly. My objective is simple- to have my account reinstated, allowing me to continue using PayPal for my financial transactions. 

PayPal has been an essential part of my online financial activities, providing a secure and convenient platform for my transactions. Its services have been invaluable to me, and the limitation has disrupted my financial affairs significantly. 

I understand that PayPal must maintain the highest standards of security and compliance. However, I respectfully urge you to reconsider my case, as I genuinely believe that the limitation was imposed in error. I am confident that a re-examination of the facts will confirm my adherence to PayPal 's policies. 

I sincerely hope that we can resolve this matter promptly and amicably. I remain committed to complying with PayPal 's policies and using the platform responsibly. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report, which I acquired fromXXXX, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-06-01
Company: Experian Information Solutions Inc.
State: NC
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'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 filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-01
Company: Experian Information Solutions 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 '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # 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

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 2023-04-09
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a $ XXXX car loan with Santander for 5 years which started in XX/XX/2017 and the principle balance only decreased $ XXXX. The company did not properly explain the high interest and fees along with loan deferrals and apparently did not apply my payments correctly if my principle did not decrease much with each payment that I made. This resulted in the car being repossessed because my payments were not making a dent in my loan. 

My credit history with Santander with all credit bureaus have inconsistent data across the board. How is that possible if the information should be coming from the same place? Every instance that I've attempted to correct issues have been met with my credit standing worsening and this is in violation of the Fair Credit Reporting Act. 

I attached the article on " XXXX XXXX XXXX Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans '' that outlines the predatory lending practices of Santander which have negatively impacted my credit and my family 's livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I am a young citizen that needed a car to get to work during the XXXX pandemic an went to what I thought was a dealership but was really a buy here pay here.. Told them I needed a car and they pressured me into this one an didnt really want me reading the paper work when signing .. After I bought i seen they reported my score as Bad when it was above XXXX ... Aka fair.. Long story short im paying about XXXX for a XXXX car that was in bad shape mechanical wise, exterior was decent shape some scraches an XXXX on back bumper.. I fell like ive been ripped off

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts

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 2023-06-01
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX 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 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a active sale for the property in place and I have been given the run around trying to receive a payoff for settlement which is this Wednesday coming XX/XX/2022 at XXXX XXXX. I have called numerous time and was told, oh just have your agent to call that day, its to early for a payoff etc. Finally yesterday I was able to get someone to agree to send a payoff but they said it would now take XXXX business days. XXXX business days exceeds the time of when settlement will take place. My PA real estate agent has called as I have her listed on file with the mortgage company her name is XXXX XXXX, still we can not even get a verbal payoff. 
If we dont get help before next Wednesday, the deal will be lost and then I will lose my home to foreclosure. Its almost like the mortgage company wishes for my home to proceed to foreclosure, so that they can reap the benefits of destroying my life and taking a profit in for themselves. Please please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement in the mail from BMO Harris in XXXX. I called immediately. Spoke to person who said account would be closed and details forwarded to their fraud department. I also filed a report with XXXX. I assumed everything was taken care of until I just received another statement and discovered there is also a checking account. I did not authorize either account. I have spent over 3 hours on hold and being transferred around trying to resolve this issue with the bank. I believe that the account may have been opened by an employee of BMO Harris fraudulently to gain incentives. 
Thank you for looking into this problem

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 2023-06-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry that I have no knowledge of.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact capitol one for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: OH
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 account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account XXXX XXXX, XXXXXXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that you hold about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with XXXX XXXX XXXX. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with XXXX XXXX XXXX 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an EIGTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

On XX/XX/2023, I submitted my TENTH REQUEST for my C.L.U.E Report with XXXX  XXXX XXXX 

As of XX/XX/2023, after ten ( 10 ) requests, LexisNexis has refused to provide me with the requested report and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries according to the FCRA legally, these items must be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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