BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: DISCOVER BANK
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was phoned XX/XX/20XXXX XXXX by an individual claiming to be Discover Card and that I had 2 possible fraud purchases on my Discover. They claimed to be a firewall for the company and was verifying my card information. They knew my Credit card number expiration date, I verified the 3 digits on the back ( stupidly ). They knew my Banks name, routing number and my account number, my balance, and my social security number. They wanted to put protection on both my Discover card and my bank, and any other credit cards I had. They advised me to get on my computer, check my bank balance and and pull up the browser so they could add a firewall protection. Problem for them was I didnt know what a browser was or how to open it. They attempted to help me, by telling me to just type in I believe upstart on my computer. I cant remember the name of what I pulled up but I got a number XXXX they requested, then I noticed they had a pointer on my computer screen. I ask why I could see a pointer on my screen I was told they were trying to help me get into my browser. He ask I get at least 20 ft away from my computer because my phone was interfering with the process. I was also ask to find the IP address on my internet box. By this time I was getting aggravated and had been on the phone for quite some time. My husband came in and told me to hang up it was a fraud call, the fella on the phone XXXX XXXX? he was XXXX and I had problems understanding him was trying to get into the conversation to prolong my discontinue, saying he just needed 10 more minute and my verbal permission for the process and I discontinued the call. They did attempt to call me back. The number was XXXX. 
I have already reported to Discover and the account was closed. My bank closed out my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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 needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2021-04-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
This is a dispute about how Paypal charges its US customers for purchases made in foreign currency. 

On XX/XX/2021, I made a purchase of {$140.00} in XXXX dollars, and used Paypal to pay for purchase with my USD Visa credit card. I expected Paypal to charge me {$140.00} CAD, which my credit card issuer would then exchange into USD. Instead, Paypal took the liberty to perform the exchange itself, and charged me in USD directly. 

Accoring to XXXX, a {$140.00} XXXX purchase on XX/XX/2021 would have converted to {$110.00} USD. ( My credit card company has no foreign exchange fee. ) Instead, Paypal charged me {$120.00} XXXX, which reflects a 4.4 % markup. 

I did not authorize Paypal 's currency exchange. Throughout the purchase, the web page displayed the CAD amount prominently, and did not ask me if I wanted Paypal to perform the foreign exchange. I expected to be charged {$140.00} CAD, and have my bank perform the foreign exchange with a reasonable exchange rate. 

What Paypal has done is very sneaky, underhanded, and unethical. 

The dollar amount involved here is very small and not important to me. But the overall amount involved across all of Paypal 's customers is surely significant. Paypay 's sneaky attempt to steal money via unauthorized foreign exchange fees left a very bad taste to me, and Paypal should not be allowed to keep doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-08
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. 

According to 15 U.S. Code 1681i 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. 

According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. 

The instrument has been rendered inaccurate/incomplete. 

According to federal law you have violated my rights. I want this item deleted/ removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an inquiry from XXXX XXXX XXXX XXXX for {$140.00} dollars opened on XX/XX/2021. This should have never been in collections to begin with. This account was settled and should have been paid by insurance to begin with. I disputed this with them. I even paid them and asked them to please remove this it was incorrect. they are still reporting on my credit report and its really hurting my chances of getting a good interest rate on a new home. This is incorrect and needs to be rectified

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}

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 non-monetary relief
Consumer complaint received 2021-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : Wells Fargo Claims # XXXX Booking my XXXX year old son and I on XXXX XXXX XXXX trip flights, a perpetrator pretending to be XXXX XXXX resulted in the following five Wells Fargo claim disputes : ( 1 ) {$510.00} The subject line to the XX/XX/XXXX email confirmation receipt of the booking reads, " XXXX XXXX Booking Confirmation # XXXX. '' Immediately following the email, within the thread were additional flight details, described as follows : XX/XX/XXXX XXXX Flight # XXXX XXXX - XXXX XXXX XXXX, XXXX Flight # XXXX XXXX XXXX XXXX - XXXX ( 2 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX ( 3 ) {$380.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX - XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX XXXX - XXXX * Additionally, a {$770.00} pending charge reflected on the account, naming XXXX XXXX the merchant. Divided in half, the charge accounted for the two {$380.00} charges, totaling {$770.00}. 

( 4 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX ( 5 ) {$340.00} XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX, XX/XX/XXXX XXXX XXXX Flight # XXXX XXXX The disputes resulting from Wells Fargo charges, totaling {$1900.00} for the two XXXX XXXX trips to XXXX, Hawaii and back to XXXX, Texas appeared to be authentic on the surface, being that we did arrive on the island. Following the arrival, XXXX XXXX advised me that my return trip was never arranged and that I had been misinformed of travel rules, resulting in our turn around trip to avoid the hotel costs of a 14-day quarantine. Related to Covid-19, these rules were not provided by the XXXX XXXX perpetrator and required that I leave the island. Stranded with child, without an authentic return trip, I was forced to purchase two tickets at $ XXXX ea., totaling {$690.00} on XX/XX/XXXX. 

I strongly feel that the bank has failed to throughly investigate the {$1900.00} charges without any prejudice and discrimination based on race, ethnicity, power, social class, and prestige. On XX/XX/XXXX a claims representative, known as " XXXX '' advised that I did not qualify for a reconsideration and could not explain why, leading me to believe other factors were wrongfully considered in the denial of claim # 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 2018-02-23
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX   on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Oklahoma Student Loan Authority
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 have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below are the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXXOSLA XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXXOSLA XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: NVR INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint involves acts of mortgage fraud. I am showing that NVR mortgage did not following proper guidelines established by FHA regulations. 

The following attachments are : Timeline : A description of events that took place during my mortgage process XXXX XXXX : All communication involving my mortgage NVR Documents : All documentation that I received for NVR MortgageXXXX XXXX XXXX XXXX Purchase Agreement : Purchase Agreement for XXXX XXXX Please be aware as of XX/XX/2023, this property has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed a real-estate transaction using XXXX XXXX XXXX XXXX  ( XXXX ) as my mortgagee. My first payment towards this mortgage was dated for XX/XX/XXXX. I submitted this payment before it's due date. I received an email XX/XX/XXXXXXXX  from an ( XXXX  ) representative letting me know that they received my payment, but didn't have a loan number associated with the payment. I provide the loan number and I was told by representative XXXX, XXXX " the loan payment was applied today to your loan '' XX/XX/XXXX. My loan was then transferred XX/XX/XXXXXXXX  to XXXX XXXXXXXX XXXX ( XXXX ). After several months I noticed that XXXX updated my credit report stating a 30 day late payment XXXX, XXXX  which is the same month my loan/monthly payment was transferred to XXXX and subsequent charge offs XXXX and XX/XX/XXXX. I submitted a dispute with the two credit Bureau who were reporting this false information, being XXXX and Equifax. The credit bureaus " investigation '' came back validating the incorrect information. When I contacted both bureaus for proof validating the claim I was told they do not provide documentation regarding claims to consumers and I would have to contact the reporting company. I reached out to XXXX XXXX XXXX XXXX loan servicing department several times for proof substantiating their claim most recent on XX/XX/XXXX. The loan servicing department was unable to provide me with any documentation substantiating the claim. I compiled all conflicting information and opened another dispute with the credit bureaus citing all discrepancies found during my own investigation. The credit bureaus still deemed the information provided by the reporting company ( XXXX  ) as valid after their most recent " investigation '' XX/XX/XXXX. I have filed multiple disputes with both credit bureaus regarding the false reporting ranging from XXXX, providing the same proof that I have attached below proving the claim as false.

Company response to consumer: Closed with explanation