BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Just today, XXXX XXXX, I got an email that I can no longer use their services and I can't withdraw my funds and need to wait XXXX XXXX for me to access my money. They reasoned out that I violated their policy where in fact I did not do any transactions for few days, so what is my violation? I did not do anything in past days and they will tell me that I violated their policy? The sad thing is they go ahead and cut you off immediately without giving any warning or clear reason. It is in any law that holding any assets or funds without proper reason and explanation to the user is absolutely illegal. Well I'm not asking to restore my account, just let me withdraw all the money from my account and we go in separate ways. But if you are generous enough I would be glad if you can restore my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
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:
Please reference complaint number XXXX. 

Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: National Processing Group LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
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:
Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im sending this complain to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous items which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance XXXX {$880.00} XXXX XXXX  XXXX Balance XXXX {$730.00} XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$7600.00}

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 2017-08-30
Company: SERVICELINK LOSS MITIGATION SERVICES
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.

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 2017-08-30
Company: Presto Auto Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XXXX. 2014 I stop paying a tile loan. I call the tile loan office because I had a financial issue. the loan company and I never could get it resolved. there was a period when I made some payments after but the interest kept going up. that 's when I got into a deep financial hardship. now present I 've reach out to the collect department and I was told that I had to pay full amount that was is pending on loan, plus interest. My defense is are they allowed to collect the full amount and interest? .. after it shows a charge-off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I researched refinancing my loan in XX/XX/XXXX. I had already gone through most of the process with a different company when I got word of Capital One Home Loans, who was offering a special discount on the origination fee, which made their product worth my time. I closed the new loan with them and made my first payment XX/XX/XXXX. It is currently XX/XX/XXXX and I just received an email from a new loan servicer that states they now have my loan in their possession. 

1. I never received a letter of transfer from Capital One - they said they sent it, it never got to me- I called as soon as their office opened XX/XX/XXXX - the day I received an email from the new loan company. 

2. I have written documentation from the loan officer that my loan would not be sold, which was the reason I stayed with this company for my refinance - he lied to me so he could make money off me. 

3. My loan estimate states on it that the intent is for Capital One to service my loan, not sell it. 

I need to know how to resolve this issue or if I need to take alternate avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: UT
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 disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.

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 2022-08-16
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: Reporting company used your report improperly

Complaint:
Showing screenshot to Experian accounts I haven't opened

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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please remove the following fraudulent inquires from my TransUnion credit report : XXXX XX/XX/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 explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Account closed XX/XX/2012 Account status Open. By the statue of limitations I'm not responsible for the debt and it should be removed from my report. 

Written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 ). Last payment date supplied by XXXX XXXX XX/XX/2012. 

Transunion, I am aware that some of the accounts listed on my credit report have been sold to a 3rd party. These are NOT the original creditors and I am NOT under any contract obligation to this companies and or agencies. Please remove this account from my credit report immediately. They are listed below : 1. Debt Collector - XXXX   XXXX Original Lender- XXXX XXXX XXXX Balance XXXX {$560.00} 2. XXXX XXXX Balance - {$830.00}

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 2022-08-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and XXXX is doing the same they will not remove the inquires from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX keeps on saying the inquiries are valid and are not called and dispute15 times XXXX has removed all inquiries from my report and Transuion is doing the same they will not remove the inquires from my 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 explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am a natural person, I am a living being, i have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts 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 2017-04-18
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy  is still reporting on Transunion inaccurately.

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 2022-08-16
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 fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. 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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report . This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :

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