BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2014 the VA Child Support division conducted an investigation into acct # XXXX and determined that the item should be removed from my credit report as I was never behind in payments. Even though the CRA XXXX was in compliance with removing this item, Experian failed to remove the item from my credit report. This has caused unjust damage to my credit report as creditors view this item as adverse. This item must be immediately deleted as according to the investigation conducted in XX/XX/2014.

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 2023-02-23
Company: Westlake Services, LLC
State: MD
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:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WESTLAKEFIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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 2016-06-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was called by XXXX XXXX XXXX minutes ago saying someone tried to open a Credit Card using my Name/Social/DOB. They said they will remove the inquiry from my credit report. But I see on my Credit report that I have XXXX more inquiries in the last few days that are also Fraudulent. I put a Fraud Alert on my Credit but need these XXXX inquiries removed from 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 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed items on my Equifax credit report and some items have been pending for months and I have tried calling and calling, talking to them through chat and even emailed ... nothing has been done .. the items I have disputed are medical bills that should n't be on my record because I had XXXX ... well I was told that in disputes it takes 30to 45 days after that they have to remove it if no proof is found, well remove it then please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2015 I informed Equifax that the judgment being reported on my credit file was vacated and should be deleted. I received a notice with the above confirmation number that Equifax will not delete it because it is accurate. I have supplied a copy of the docket report showing clearly where it states that the judgment was vacated on XXXX XXXX, 2015. Clearly this investigation is flawed, and/or there is questionable practices being made by Equifax. 
I am making this complaint pursuant to the FCRA, which states that : 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CORELOGIC INC
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.

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 2016-08-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX! 
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!

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 2016-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was aware that I was in the process of selling my property and they were notified of the sale date. I requested a payoff amount and then they hired an attorney to move forward with foreclosure. This added XXXX to the payoff amount which I am unable to pay. I have been in communication with them on a weekly basis and they assured me that the process for short sale would be started as long as I moved out of the property. I moved and saved the money to payoff the amount owed after the sale of the property and now I do not have the extra money for the foreclosure cost and attorney fees. I would like to file a complaint against them so that this does not happen to another potential consumer.

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 2016-05-20
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card
Issue: Convenience checks

Complaint:
A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.

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 monetary relief
Consumer complaint received 2016-02-07
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX XXXX, XXXX, I listed and sold an item ( computer game ) on eBay for {$42.00} to a new ebayer named XXXX XXXX. XXXX sent payment to my paypal account. Paypal deducted transaction fees leaving with with a {$40.00}. I sent the item ( computer game unlock code ) via eBay message to complete transaction. 

XXXX XXXX, XXXX : Paypal alerted me the credit card used by XXXX was a fraudulent and unauthorized charge thus they initiated a chargeback against me. PP opened a dispute and asked that I supply them with proof of my delivery of the game code which I did. 

XXXX XXXX, XXXX : Paypal found I had sent the item but was not protected because of their ToS indicating I sent a nontangible item ( a game code which unlocked the game from the developer allowing a one time download of the product ). PP then tacked on a charge of {$40.00} to an unrelated purchase I made from another retailer of {$28.00} and deducted that combined amount from my credit card. Note : My credit card is a backup service as all normal deductions of my purchases normally go through my attached checking account as a debit. 

PP did the following : -accepted a stolen credit card from XXXX -deducted transaction fees on that transaction -offered me no protection from fraud in terms of vetting the payment account -they will not provide me with the disputing credit card company contact info or transaction info for me to follow up -they charged my credit card by adding on $ on top of a legitimate unrelated purchase I made then took those fees from my credit card with they have never done before. 
-they are unable and or unwilling to properly notify eBay that the buyer ( XXXX ) has not paid which will allow me to thus file a complaint with eBay triggering any protection I might have there. 
-They claim I have no protection on this sale because my item was a non tangible. 

How does one not rely on a transaction service ( who takes fees on that same transaction ) to protect oneself from fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Paypal Holdings, Inc
State: WY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal illegally signed me up for an unwanted online credit. You can see the same situation has fined PayPal XXXX here : XXXXThis is exactly what happened to me : '' Enrolled consumers in PayPal Credit without their knowledge or consent : The CFPB alleges that the company often automatically enrolled consumers in PayPal Credit when those consumers were signing up for a regular PayPal account or making purchases. The company enrolled other consumers while they tried canceling or closing out of the application process. Many consumers ended up enrolled in PayPal Credit without knowing how or why they were enrolled. They discovered their accounts only after finding a credit-report inquiry or receiving welcome emails, billing statements, or debt-collection calls for amounts past due, including late fees and interest. " I am furious because this is a sleazy way to get me to open a credit line. The normal payment button was changed to " PayPal Credit '' and I could not select another payment option. I selected this option and then canceled. I was then able to use a drop down to opt out of PayPal Credit and use the normal PayPal Balance for the payment. This auto-opt in to open a credit line is an abuse. I closed the credit line XXXX minutes after it was opened however this will affect my credit score. PayPal credit representatives informed me that a hard credit pull was performed to approve the PayPal credit line. This is NOT okay. I now have to go through a 60 day process to plead to the Credit Bureau to remove the hard credit check from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I signed a agreement to with draw funds from my account on the XXXX of the month and the last business day of the month everything was going just fine till XX/XX/XXXX where they started pulling money early. They said they escalate it to get fixed then today XX/XX/XXXX they did it again. Called them and they said there system does not know what the last day of the month is. So it just pulls some time between the XXXX and XXXX thats not what i autherized. they never warned me of this or advised me they were pulling money early they just did it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Paypal Holdings, Inc
State: PA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
Paypal offers the use of PayPal MyCash which allows consumers to add money which can be transferred to the holder 's PayPal Account. Within the past few weeks, it appears everybody is having issues getting these cards to work. 

Paypal will not admit there is anything wrong either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: Paypal Holdings, Inc
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a complaint about PayPal credit services because I did n't ask to get sign up for the credit account and I find out after that they attempt to get a pre-approval credit loan on my account. I thought that they pulled money from my credit card or linked bank account. I never get any statements from them and now I see a lot of debt incurring. I do n't think that they have updated the refunds or accurately post them in my account balance! I feel like I 've been cheated because I did n't sign up for this and the high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by IC Systems on the behalf of a debt I owed to XXXX XXXX. I negotiated a " pay for delete '' agreement and have since paid the debt. It was paid XX/XX/XXXX. XXXX XXXX has since posted a negative hit to my credit report as of XXXX. I want this removed immediately as the debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX

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 2015-09-21
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Someone used my personnel identity to open a credit card account with PayPal. They used the money to purchase somethings. I received the statement of account from PayPal and I contacted PayPal and PayPal confirmed to me that they treated it as a fraud. That someone used the credit card on XXXX XXXX, 2015 and early XXXX 2015. Paypal declined the XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have had an existing business debit Paypal account for over 2 years, suddenly Paypal has held my money illegally without the right to file a claim, complaint or legal reason for holding the funds. 
Paypal is currently not registered as a Transfer Agent accordingly to law and what they are doing is illegal according to consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
: RE : # XXXX Purchased through my PayPal creidt card I purchased these tickets on XXXX XXXX, 2016 It will be 2 months on XXXX XXXX, That I have not received the goods paid for. 

I have contacted the vivid seats through email and they have stated, they do not have any information on when or if this magic men show is going to take place, I find this to be a fraudulent transaction as I have paid in advance close to XXXX for these tickets and I have not gotten what I 've paid for, I have escalated this claim and have been going in circles with vivid seats as well as paypal. and am totally satisfied with the service I have received on both side. Since paypal lis a master card, I am requesting a charge back for this purchase. and I am also going contact an attorney or even the consume affairs department to file a claim. I trust you can see my frustration with regards to this, I hope that you will resolve this matter and keep my business other wise I will go ahead and proceed with the consume affairs board. 
regards XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX paypal Customer

Company response to consumer: Closed with explanation