BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Paypal Holdings, Inc
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a paypal account, which includes credit card, a Line of credit, and the clearing acct to move money. I only use the credit products and never the " checking '' or whatever clearing account that is paypal. Their transaction history is too difficult to understand online as everything is commingled together. 

Paypal closed my line of credit which I don't fully understand why, the account didn't carry a balance the last couple of months. I'm not overly concerned with this. 

Now Paypal is calling me in a harassing manner - such that a recorded message ask me to confirm identity by pressing 1, however, the message does not respond and continues to ask me to press 1 to confirm identity. Originally I suspected it was fraud. I then log into paypal and noticed a negative balance, for which I'm not aware, and trying to decipher what the monies owned is for is impossible given the commingling of transactions. The only service that should be used ( infrequently ) is my PayPal credit card - mastercard. So why is PayPal trying to collect money from me? what reason? My credit card is paid in full each month. I attempted to call paypal however their same tactics are at play- they refuse to allow me to speak with anyone to understand what the charge is for. 

I'm not unwilling to pay this money if I can understand why there is a charge for an account that is never used. While we are at it, I want to know why Paypal closed my LOC. I didn't care at first but now I'm suspect ill intention on part of Paypal. Like other XXXX their stock is dropped and I'm willing to suggest they are implementing dark patterns to collect fees from customers in an abusive or unfair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Information belongs to someone else

Complaint:
I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date Opened : XXXX  Balance Owed : {$400.00}, Accounts : XXXX XXXX XXXX Date Opened XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX Closing Date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: OR
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 have a account XXXX XXXX which is 7 years old and XXXX  XXXX  and equifax will not remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I have an issue with some unauthorized transactions that occurred on mu chime account that i did not authorize and followed chimes policy on how to report these unauthorized transactions when they occurred yet they never helped me recovered my funds. Each time I submitted a claim a day or 2 later they would deny them. Which i felt was not enough time to investigate fully these transactions. I had given up on trying to recover my funds because i felt powerless against them but after adding the transactions, its came up to a pretty hefty amount for me just to let go. Ive had issues with this merchant before and ive advided chime about it so i dont understand why they let the transactions go through and why they dont help on recovering my funds. I clearly sent them an email of someone logging into my account again somewhere in XXXX XXXX Ca which is nowhere near where i reside in XXXX XXXX ca. Can you please help recover my funds please? The reason they gave me when denying my claims was that it shows that i had done business with the merchant before which i totally false because every transaction to that merchant i have submitted a claim for and they always deny it so they are just being unfair and wrong. The following are the transactions in question. Thank you All for the merchant chaturbill- XX/XX/XXXX {$49.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: FL
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 A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the drug business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my Medicare card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my XXXX  mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Sequium Asset Solutions, LLC
State: GA
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 received a derogatory hit to my credit, a cellular phone was purchased and went in to collection, I have never had any account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Zions Debt Holdings
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint on XXXX for my XXXX account 3rd party debt that I don't have any knowledge of. Now I'm filing a new complaint for XXXX account I have no knowledge of this account I am requesting sign documents.

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 2023-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX {$4600.00} Inquiries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Wrong address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello experian is reporting a light bill on my credit report in collections which is paid.and light bills water bills should not be on uyour credit report as credit please have them remove it from them

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 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX  credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
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:
XXXX credit report inquiries without my consent. XX/XX/16 through XX/XX/XXXX as of XX/XX/XXXX were not my inquiries

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 2022-12-09
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 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 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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 2023-09-24
Company: OCMBC, Inc
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 I paid my mortgage payment to OCMBC through my banks online bill payment system. This was for my XX/XX/XXXX payment. On XX/XX/XXXX a new mortgage servicing company took over my loan. On XX/XX/XXXX the check my bank issued to OCMBC was cashed. XXXX XXXX I received a phone call from XXXX, my new mortgage servicing company, informing me I was past due on my mortgage. This was when I found out the loan had been sold as I had not received notification yet. I was not willing to give out personal information to someone over the phone that I knew nothing about. I received notification in the mail my home loan was sold. On XX/XX/XXXX, I called XXXX. They called OCMBC with me on a 3 way call. We spoke with XXXX who confirmed they had in fact received my mortgage payment. She said they would send it over to XXXX and the process could take up to 10 business days. On XX/XX/XXXX, XXXX still had not received my payment. I called OCMBC again and spoke to XXXX who said they are processing that over to XXXX. Due to the excessive time this was taking, I asked for a supervisor. XXXX laughed and disconnected the call. On XX/XX/XXXX I called OCMBC again and left a voicemail for the supervisor. On XX/XX/XXXX, XXXX still has not received my payment. They recommended me filing a complaint with CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-24
Company: Sierra Holdings LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
As this is unverifiable FCRA Sect 611 Requires this account be deleted immediately.Mistaken identity the truck got towed, misleading information. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company : American Express I have had a credit card with American Express for near XXXX years, apparently because I wasn't using it ( it was a backup card ) they stated they informed me that due to inactivity, the account would be closed. I never received the letter and when I called today asking why my account was showing as closed, they said nothing could be done. 

They then tried twice, directing me to their applications department to apply again for a new card. 

So they close the account, tell me I would need a new credit inquiry on my credit report if I'd like to have a card with them. Closing this account has now increased my XXXX XXXX due to losing the line, and lowered my average time on file. A new card would further lower that time. Thus triple impacting my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. Since I had no idea why I received this I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called me and said they were from a Certificate of Deposit under the business name of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not tell me any other information and he stated he could not put that in an email as I requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.

Company response to consumer: Closed with explanation