BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. 

Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX XXXXTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXXXXXX XXXX We have no postal address on file Your payment Gross XXXX XXXX PayPal XXXX XXXX Net amountXXXX XXXX Contact information PayPal Funding details Funding Source : PayPal balance Funding XXXX : XXXX XXXX - PayPal Account Need help? 

Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. 

MemoXXXX XXXX ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal XXXX Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Opened auto loan with Wells Fargo ( WF ) XX/XX/XXXX, established an on-line account with WellsFargo.Com. Entered my XXXX XXXX XXXX  checking account information and paid on-line monthly from XXXX 's with no issue until XX/XX/XXXX. On XX/XX/XXXXXXXX XXXX  when I tried to make on-line payment for XX/XX/XXXX I was alerted that I had to enter my non-Wells Fargo Bank account information ( even though I had been using my XXXX XXXX account since XX/XX/XXXX ) in order to make a payment. I re-entered my XXXX 's account info and tried to make a payment. I received an alert that there was an issue with my account and my payment was not accepted. I called Wells Fargo that day and they said I would receive an e-mail verifying my XXXX XXXX account and then I could make a payment. I never received the verifying email. I called and WF told me it could take a few days. I still did not receive email in 3 days. I called again and WF said for me to re-enter my XXXX 's account info again. I did so on XXXX. I still did not ever receive a verifying email. On XXXX I called and had to make a payment over the phone. When I did so my XXXX 's account info was on file and they asked did I want to use that account. I said yes. On XX/XX/XXXX I received a letter confirming my XXXX payment and alerting me that if I wanted to cancel I must do so on XXXX before XXXX XXXX 

On XX/XX/XXXX when I tried to make my XXXX XXXX  payment I had the exact same problem even though I repeatedly entered my non-WF bank account info. I had to pay by phone again and on XX/XX/XXXX XXXX XXXX  also received a confirming letter saying I must cancel payment, if I wanted to, by XXXX 

# 1. Wells Fargo, after XXXX XXXX years, arbitrarily changed my ability to use my non-WF bank account to make an on-line monthly payment. 
# 2. WF never approved my numerous times to follow their instructions on verifying the use of my non-WF bank account to make an on-line payment. Even though they had my XXXX 's bank information on file. 
# 3. WF has made it extremely inconvenient to pay my auto loan monthly if I am not using a WF bank account. It's like they are trying to force me to open a checking account with them. 
# 4. WF forces me to make a phone payment even though they have my XXXX 's account info on file. WF sends a confirmation of phone payment and alert that cancellation of that payment must occur on the day of payment. That letter is not received until 4 days after the phone payment. Cancellation info is not given at time of phone payment.

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 2022-10-21
Company: EQUIFAX, 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 sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. 

Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. 

That information is incorrect. 

According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. 

Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. 

The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. 

I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 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 explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX . 
Inquiry : 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 explanation
Consumer complaint received 2022-10-20
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: Account information incorrect

Complaint:
I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
ACCOUNT OPENED FRAUDUANTLY DUE TO DATA BREACHES

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 2018-01-04
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I are about to lose our home do to foreclosure. Our lender is Mr. Cooper ( aka Nationstar Mortgage ). We have fallen behind because my husbands identity was stolen and them I was scammed by people that said they were working out of XXXX, XXXX. We lost about {$10000.00}. We need help getting caught up with our mortgage company. Mr. Cooper referred us to the Hardest Hit  program in XXXX 2017. Since then we have been working with them just to have them call us today saying that we do not fit into any of their programs. I understand that this during time we celebrated XXXX, XXXX and XXXX XXXX but that should not have mattered putting us farther and farther behind on our mortgage. 

I have jumped through hoops getting them information with less than 24 hours notice. I cooperated with them completely just to be told that they can not help us. Hardest Hit should be closed down so that all of the employees can feel how I am feeling now. I suffer with chronic XXXX and all of this has put me into a deeper hole not wanting to even leave my bedroom or my bed. 

During this time I only received two phone calls from them all other communication was via email. Not very friendly in my book and a total lack of customer service. What if I did n't have email skills what would have happened with the Hardest Hit people? 

After hearing the news today I totally collapsed into a place that no one should ever be in. I have now regrouped and am I am trying to fight back against such a horrible government agency. Hardest Hit has been in trouble before sqandering money that should have been going to the tax payers. The only information that the Hardest Hit people suggested that I do is go back to my lender and see if they are willing to help us. 

Mr. Cooper is sending me papers so that I can apply for a modification program that is going to take at least another two months that will just put us farther behind on our mortgage. Mr. Cooper said that the money owed will just be added to the end of our loan and let us go back to our original monthly payment. Until all of the scamming, identity thefts and bank problems my husband and I always paid more on our mortgage reducing the amount several thousands of dollars. 

MY husband is a XXXX XXXX XXXX veteran and we never knew that he was entitled to XXXX because after returning from XXXX XXXX he was diagnosed with XXXX and because I had a good job his medical benefits were always paid by my employer. The US government saved a bundle of money because this was over a forty-five year timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently notified all three bureaus that I am a victim of identity theft. I mailed and submitted online all required information. In return the credit bureau accused, and told me that I made my complaint in ERROR. this complaint is not an error

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 2023-01-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have explained to the company that I used my insurance and it should have covered the cost. Im currently on a fixed income due to the pandemic and inflation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

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 2018-10-26
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I pulled my credit and notice AD Astra Recovery is reporting a balance of {$610.00}. Because I honestly believe this debt IS NOT mine, I've sent letters to this company asking to verify this debt. I'm sure this company has NOTHING with my signature saying I received this money because I don't ever recall getting a payday loan with them! I have not received anything but a print out of a balance they claim I owe. A print out stating a balance IS NOT sufficient verification to prove a debt! I need documents proving this is my debt. I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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:
Experian refuses to delete inaccurATE ITEM ON MY CREDIT REPORT I HAVE DISPUTED XXXX XXXX XXXX FOR THE PAST YEAR. DUE TO IT BEING FRAUDULENT, IT WAS DELETED AT ONE POINT AND THEN IT WAS PUT BACK ON MY REPORT. EXPERIAN STATED THAT THE COMPANY TREATENED THEM SO THATS WHY THEY PUT IT BACK ON.

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 2021-01-05
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I offered to settle the amount owing to Navient in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did Navient make no attempt to provide me with the original instrument that created the liability, but Navient didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from Navient was simply signed XXXX, XXXX XXXX. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and Navient, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which were recently verified despite their inaccurate representation of my credit history. I believe the verification process was not conducted in compliance with the Fair Credit Reporting Act ( FCRA ) and its relevant provisions. 

XXXX XXXXXXXX XXXX XXXX # XXXX Violation : Failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) The account details provided in the credit report are inaccurate and do not reflect the true history of my payments and credit standing. Furthermore, the reported delinquency does not accurately represent my payment history. 
XXXX XXXX # XXXX Violation : Failure to update or correct inaccurate information under FCRA 611 ( a ) ( 1 ) ( B ) The reported delinquency of 120 days in XX/XX/2023 is not accurate as there were no outstanding dues during that period. Additionally, the account balance and credit limit information do not align with the actual terms of the account. 
I request that you investigate the above accounts in accordance with the FCRA and ensure that all the information on my credit report is accurate and up-to-date. Please provide me with a detailed investigation report and make the necessary corrections to my credit report as required by law. 

Enclosed with this letter are copies of relevant documents supporting my claims, including payment receipts and account statements. 

I appreciate your prompt attention to this matter and expect a response within the statutory period of 30 days as stipulated by the FCRA. 

Sincerely, 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 explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: TX
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 a victim of identity theft. The following documents attached with this letter is an official police report from the XXXX XXXX Police Department. This document is proof that I was an identity fraud victim from XXXX to XXXX. 

Equifax continues to report fraudulent accounts that were open in between the dates listed above and it is severely hurting my credit reputation and good name. 

I have worked continuously hard to clear my name and my credit reports of these fraudulent accounts with numerous letters to Equifax to no avail. 

I sent an online dispute on XX/XX/XXXX, it has been more than 30 days and I still have not received any results. I demand that you permanently delete all fraudulent accounts that were opened as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MI
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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