BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice on XX/XX/2022 that I owe {$260.00} from American Profit Recovery , Inc ( debt collector ) on behalf of XXXX XXXX ( creditor ). This was already paid as shown from the creditor 's own bookkeeping system ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: SC
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:
Suspected Identity theft

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 2022-04-10
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 2016-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS ACCOUNT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: WELLS FARGO & COMPANY
State: UT
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is and has been resolved since XX/XX/2013 but Wells continues to report balance owing on my credit for the past few years.

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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 complaint involves XXXX XXXX XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with Capital One Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX  and XXXX. Over the month many months I have communicated with both my credit card provider and XXXX XXXX to rectify the situation to no avail. I was initially told by XXXX XXXX that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to Capital One Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called XXXX XXXX in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back Capital One and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that XXXX XXXX would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from XXXX XXXX had told me over the phone on XXXX it would work out because Capital One Visa had notified XXXX XXXX of New Account Card number. I am lost this point hoping you can provide help at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: Paramount GR Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My husband and I got a loan thru Goodleap for a solar system in XX/XX/2021 that was XXXX XXXX which was changed to XXXX XXXX XXXX ever since weve had them weve had several problems with the system not working For the past 6 months our system has completely been broke not working at all Weve had 3 appts for someone to come out to fix the issue and its been no call no show each time We found out 3 days ago that they have closed their doors and are no longer in business So my 1st call was to Goodleap to see what we were supposed to do about our loan which we have been paying even though our solar panels havent been working Their response was to contact a 3rd party and pay someone to come out to fix the issue or call XXXX which we have so and they are saying its not their fault That we are still responsible for the loan We do not understand how this is even possible We want our loan to be canceled and the solar panels removed from our house We are getting the run around with everyone we speak to regarding this issue So we are paying a loan of XXXX for something that isnt even working and paying over {$400.00} a month for our electric bill and for the solar panels!! Weve also contacted XXXX XXXX XXXX XXXX  XXXX and put in our complaint which they are currently have a lawsuit going

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
recently learned that my identity was stolen and still trying to resolve the many problems that pop up daily due that. 
i filed a FTC Identity Theft Victims ' Complaint and Affidavit no. XXXX, then filed police report with XXXX police department report no. XXXX, in addition i filed US Postal inspector mail theft report and faxed and mailed through certify mail to all the fraudulent creditors and the XXXX reporting agencies ( sent police report, completed Ftc affidavit, copy of driver license and social security along with letter requesting all the records and requesting the credit reporting agencies to block the fraudulent accounts removed and blocked in pursuant of section 605B of the fair credit reporting act. 

XXXX and XXXX both respond in timely manner. 

Equifax refused to do so and attached their response as follows " XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time will not block the information subject to the submitted identity theft and /orpolice report you provided as part of your dispute. We are contacting each creditor directly to verify the account /s onyour behalf. We will also forward a copy of documents you have provided to each creditor for their review. " please help me solve this issue its costing me time and money that i do n't have. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase decided to close my account and couldnt give me a reason why i dont have any outstanding balances, I've never wrote checks, or had my account in bad standing for them to restrict my account and make it so i cant access my funds i think their trying to something with my money its mighty strange they close and restrict my account 1 day before my stimulus arrive. I have several deposits that supposed to come to this account and i've let them know that and i need to retrieve my funds since they closing my account i dont like the treatment at all and on top of that their trying to keep my money and i dont know why once again my account was not in bad standing and i dont owe any large fees so why arent they releasing my money? They have violated my rights in many forms

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have a judgment on my credit that is not mine. I disputed it with Equifax over 120 days ago. the have not responded. 
I sent them a failure to respond letter and they just send the results of inquiries that never been on my credit nor disputed by me I checked the court records and they do n't have the account for me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX accounts with equifax. the accounts were XXXX from XXXX. equifax reported : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. how can they verify those items above when my documents prove otherwise. its like XXXX and EQ dont care about the consumer. EQ will just go along with what ever XXXX says. 
but they did not verify account history with status codes and late payments. they did not verify that i had a veteran XXXX discharge on XXXX XXXX XXXX and was XXXX on XX/XX/XXXX by SSA . thus they are not verifying all info on tradeline and saying the account stays on credit report due to lack of their own verifying of whole tradeline the payment history is wrong. and saying transferred to government. when the loan was discharged the loans were still with XXXX. i have disputed and disputed with the CRA 'S and XXXX yet they keep reporting the same wrong info. equifax has many pages of documents i uploaded proving my position. yet they dont verify all info on the accounts,. these XXXX accounts have already been deleted on experian. how much XXXX and frustration do i have to deal with on these accounts. i feel like equifax and XXXX are in collusion on this. i an XXXX XXXX with XXXX, XXXX, XXXX. its hard to fight these guys over and over. you will see the account numbers are different from experian to XXXX to equifax. i have uploaded the EQ dispute result and the EQ full credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I enrolled in Account Assure, an account protection program for my Express Next Card issued through Comenity Bank. The fee for Account Assure is {$1.00} per {$100.00} of my monthly statement balance. Per the Account Assure Terms and Conditions the program is an optional addendum to the Credit Card Agreement for my Express  Card. Eligibility Requirements state that subject to the Terms and Conditions I as the primary cardholder may be eligible for an involuntary unemployment benefit. Accordingly to be eligible I must have experienced an involuntary unemployment for at least 30 consecutive days from the Date of Loss, including the Date of Loss. Furthermore, in the event of involuntary loss of Permanent Full-Time Employment I must have been engaged in Permanent Full-Time Employment on the Date of Loss. In addition, my loss of XXXX XXXX must be due to Involuntary Termination. As such, my employer must have been required to make contributions for my employment to the state unemployment insurance fund. On XX/XX/XXXX I became involuntary unemployed from my employer due to the economic impact of COVID19. Based on this eligibility I filed a benefit request for involuntary unemployment with Account Assure on XX/XX/XXXX. After filing this request I received a benefit form to complete. Upon review of the form it included an Employer Verification section to be completed by my former employer. On XX/XX/XXXX I spoke with two representatives through Account Assure and advised that my employer was unable to complete the section as the company used an external payroll software provider for employee verification ( i.e. date of hire, payroll stubs, etc. ). However, I was provided a letter on company letterhead stating I had been involuntary terminated due to the economic impact of COVID19. In addition, I had verification of my unemployment benefit statement. According to the two representatives my benefit would be denied because the letter provided by my employer did not meet the requirements as it failed to state my date of hire and number of hours worked. However, in the Required Documentation section of the Terms and Conditions it stated " in the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. '' It appears the " cause of unemployment '' is sufficient. As a result of the verbal information I was provided on XX/XX/XXXX I made the decision to close my Express account with Comenity as the program is misleading and makes it difficult for customers to request a benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
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 the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 2021-03-18
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: AL
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 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 2 : it also states consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions 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:
Business loan inquiry - US SM BUS ADMIN ODA got a copy of my Experian Credit Report. 

Date : XX/XX/2021 I put a freeze on : Experian, XXXX, XXXX on XX/XX/2021. 

I called US SM BUS ODA and had the application cancelled. 

Application # XXXX XX/XX/2021 The inquiry was requested from this address - XXXX XXXX XXXX, XXXX, NY 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 2021-03-18
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had disputed the following transaction with chase bank : XXXX - {$14.00} from XX/XX/2021 iI had raised this dispute because I had purchased a pack of chocolates from XXXX  and when I got home and I opened the box, I saw that half the chocolates were missing so I went back to the merchant to return it for a refund as its wasn't my fault that half chocolates were already consumed but the merchant refused to refund me so I called chase dispute department to file a dispute and the lady over from customer service was so XXXX, she asked me questions and I answered her and she told me that I have to wait for 15 days to get a refund from the merchant? Are you serious? The merchant clearly told me that they are not giving me a refund for anything and the lady over chase kept arguing and hung up on me.

Company response to consumer: Closed with explanation