BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX XXXX 2023 I closed on loan number XXXX with Statebridge Company LLC that took over the loan ( 1 ) month before I sold the home for this loan. Statebridge Company LLC stated to me they reported to all ( 3 ) credit bureau which is not showing on any of the ( 3 ) credit bureau 's. I need it to show I had the loan with Statebridge Company LLC in the amount of {$67000.00} and that it was paid in full. Attached are the closing statements and a letter from Statebridget that they had my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$800.00} from this company. I have paid {$700.00} ( {$130.00} first month, {$530.00} second month ) I called the company today and my balance is still {$800.00}. The company is charging me $ XXXX monthly to renew, not repay the loan. My payments are not being applied to the principal. I have spoken to a customer service representative and she stated that I agreed to the terms, so I must pay it. She offered no payment assistance, despite the fact that they just received {$530.00} The fine print of this contract is buried in numerous disclosures. The fees attached to this loan are horrendous. I was not informed that my  payments of {$530.00}. XXXX are actually loan renewals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I am a XXXX man who XXXX XXXX, there is this lady who came to my store said she needs to buy something and said her husband wants to send {$100.00} for what she got and I gave her my PayPal for the transaction, now its getting to my notice they disputed the transaction and I think they want to steal my money or goods PayPal just dropped me the notification and I think I want talk to help me out, Transaction id XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report Bull City financial solutions in the amount of {$630.00} I am disputing this claim due to : I never live or have I ever been affiliated with address they have for this bill. They can not produce original contract with my signature. They will not try to resolve problem or investigate fraudulent account. 

This is my official request to have the aforementioned item to be deleted off my credit report and company be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pasted below is the correspondence I set the company Receiveables Performance Management of XXXX, WA. It describes what I believe is an incorrect attempt to collect a debt without providing any documentation or basis for the debt collection. 

Dear RPM, Re : Your letter of XX/XX/2019 Reference Number XXXX On XX/XX/XXXX19 you sent me a letter stating I owed a debt of {$170.00} to XXXX XXXX XXXX XXXX. I have no relationship with a vendor by that name. This is not a valid debt. Your attempt to collect it is incorrect. 

Please provide me with documentation to support your collection and confirm receipt of this communication. If you can not provide information to support your claim within 30 days I will file a complaint with the California Attorney General 's office and Consumer Financial Protection Bureau and may take further legal action without further notice to you ( except where required by law ).

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 2023-12-06
Company: FIRST PORTFOLIO SERVICING INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid off the debt for Total Visa Card ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as XXXX XXXX XXXX XXXX ( reference number XXXX ). I have realized that I have been paying XXXX for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid XXXX XXXX XXXX XXXX {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and XXXX via their online portals regarding validation of the debt and have not received a response from either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have been using Paypal to receive payments for my online business. On XX/XX/2022 I receive payment from my online business but paypal hold my first payment. I then got a notice that Paypal is requesting for my verification details. I glady provided the files and all was fine until on the same day I get notified that my account has been permanently limited ( Ref ID - XXXX ). I immediately contacted the executive office and was told that one of the accounts I used to make payments and they linked to me had a limitation hence why I was also banned. I feel this was not fair on my part as I can not have controlled over how other people use their Paypal account. I really want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C. 1961 Section 602A States I have the right to privacy. 
15 U.S.C. 1961 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear Sir/Madam My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone else details have been entered in my XXXX report, which is causing us a lot of issues. I am Requesting you to delete their details as soon as possible. 

Kindly delete this person details in my XXXX report. 
XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


THANK YOU

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
EXPERIAN and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from EXPERIAN used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. EXPERIAN and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. EXPERIAN remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to EXPERIAN and XXXX BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.

Company response to consumer: In progress
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX KS XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  PA ) XXXX Balance : {$110.00} ; XXXX  XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last two weeks I have been trying to bring my account current with Sallie Mae. Every single time I call in, the agents give me the wrong information on the amount. On my account it said I had to make a payment of {$1000.00} to bring my account current. I called during the week of XX/XX/XXXX - XX/XX/XXXX, the first time the women told me it was {$1100.00} to bring my account current she assured me it was that amount. I called again and the man I spoke to told me the amount was not {$1100.00} it was {$1100.00} that I had to make to bring the account current. I told him where he was getting that number from because when I login it says {$1000.00}. He said no I had to pay {$1100.00}. I called again that same day in the afternoon after I had scrapped some money to make that payment. I am currently XXXX XXXX XXXX XXXX XXXX I care for so yes that money was difficult for me to come by. When I called in on XX/XX/XXXX a woman answered she assured me the previous amount of {$1100.00} was incorrect and that the correct amount was {$1000.00}. I asked her that was the amount that I was seeing on my screen and if that was correct? Again she reassured me like 5 times that was the correct amount. I asked her if that amount will bring my account current she said yes. I told her I would pay it. So I paid it and she said it would take two days to process. I hung up and I called back on XX/XX/XXXX to make sure the payment was processed. I was already feeling untrustworthy of the company but what happened next is not okay, period. The man told me my account was past due and that I needed to bring it current. I was appalled!! I told him the woman I spoke to on XX/XX/XXXX told me the amount of {$1000.00} would bring my account current. He said it did not because she did not process the payment correctly. So they took the money they did not hesitate but they did not process the payment " correctly ''. They said I have to wait 5 business days to get it " fixed '' on my account. How am I responsible for their fault? Why should I have to wait that long. I spoke to a manager and she was no help at all, she gave me an even longer time frame saying to call in a week from now to " see '' if it had been fixed. This company is the most unprofessional company I have dealt with. The fact that they are still in business is ridiculous. I have to pay for a mistake they made and the manager said " well you haven't accumulated any late fees yet '' on the mistake they made, like I should be thankful for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.

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 monetary relief
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I took a debt consolidation loan out in XXXXXXXX XXXX  ; My mom co-signed the loan and have accounts with XXXX family credit union. I was told that the procedures were to either give the check ( s ) to the loanee or mail directly to the institutions because I live out of state the loan manager mailed the checks to the different institutions. Three were sent appropriately and XXXX is disputed. XXXX said they sent it to Cardmember Serice to a XXXX XXXX XXXX XXXX, XXXX The check has my name and my XXXX account in the memo of the check and the XXXX loan manager said she included a copy of the statement with the check. However, XXXX confirmed they did not receive it. The check was cashed by Wells Fargo. Wells sent a letter to me that the check was not deposited into any of my accounts. XXXX said they mailed it to the XXXX XXXX XXXX, we don't know how it got to Wells Fargo and why they cashed it. A complaint against Wells Fargo is also on-going. 
XXXX said they do not know who to contact at Wells Fargo and suggested he go to Wells Fargo to find where it was deposited. Wells told him to have XXXX file a complaint, which in process.

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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX transaction on checking account that was canceled but payment released and charged to my account on XX/XX/XXXX. 

XXXX transactions not cleared and called customer service to assist and cancel fraudulent transactions and was told they couldnt do anything until posted and then I could file a dispute claim. 

Called to file dispute claim for the XX/XX/XXXX canceled/paid and XXXX I tried to cancel but posted and was told to late couldnt file claim to late and I had to call XXXX customer service. Called XXXX customer service and was told I can post a complaint but they couldnt cancel or help either. So, neither corporation carriers fraud insurance to cover the Scam/Frauds going on via the internet. Customer has lost a lot of funds and its no ones fault to correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
At the start of XXXX ( 2023 ) I made a wire from my XXXX XXXX account to my XXXX XXXX account. It should have arrived within XXXX to XXXX business days and it hasnt of today. 

Ive been following up ever since and no response has been given to us by Chase, the intermediary bank. 

Wire reference that may be helpful is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first noticed the debt was added to my credit on XX/XX/2022. I then tried to reach out to the company but they wouldnt provide me with any information they informed me that the account was already given to a collection agency and I would have to reach out to them for any additional concerns I may have. I informed them several times that the account wasnt mine and I never occupied the unit I even requested a copy of the lease and any information they may have given them but I was again denied.

Company response to consumer: Closed with explanation