BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Company causing an issue : PayPal. 

PayPal is a U.S. company with a long history of inappropriately holding customer funds without cause. Kindly note, I am a XXXX  citizen, currently travelling, in XXXX XXXX at the time of sending this email. 

Date and nature of attempted transaction : Simple transfer of funds from my own PayPal account to my own bank account, as done countless times before. Between XX/XX/2019 and XX/XX/2019 Amount being held by PayPal without reason : XXXX GBP Issue : I have held a PayPal account without any complaint, issue or breaches to company terms of use, for approximately 10 years. In recent weeks, PayPal have put a hold on my account and requested that I provide identification for myself ( that I am who I say I am ) and for my home address. I am effectively locked out of using the service and have made at least three attempts to provide the demanded information. PayPal demanded that I submit a copy of my passport and a current bank statement. I have submitted this information via their online pathway several times and remain 'locked out ' of using the platform. I have not had any communication from PayPal to advise why, and for how long they may hold my money, which though not a large sum, is very much needed. The information was definitely received by PayPal, but it has appeared to make no difference to the hold they still have on my account and my hard-earned money. Without any reason provided. The error message states : " You have an account alert We need more information to resolve a problem with your account. '' As detailed above, I HAVE provided this required information and they still refuse to communicate with me, or release my money. 

In my research on how to resolve this matter, I discovered that this is common practice with PayPal, and even for MUCH larger sums of money, causing extreme distress, even to honest customers with a good track record, regarding terms of use. 

To resolve this matter, I would be happy to have PayPal release my own funds back to me, and ideally apologise for their poor service despite my loyalty. If the company demand that I no longer use the system, I would very happily comply with this as I have lost faith in PayPal. 

This issue is causing me severe XXXX distress due to the fact that I have medical concerns at this time, and need to have access to my money to prepare for XXXX. 

Thank you so much for any support or advice you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My son started an account on CASHAPP in XXXX, while he was XXXX. He was able to transfer and receive money without adult sponsorship. In XX/XX/XXXX, his phone broke and he was given a new telephone number. My mother-in-law and daughter sent him money using the old telephone number. 

I contacted CASHAPP to find out how to access the funds using the new telephone number. At that time I learned about the sponsorship for minor accounts. He never had a sponsor but we can prove the account is his and that I am his parent. I was told be several CASHAPP reps that there is no way to access his account because it was not verified when set up. If that's the case, he should not have been able to receive and send funds. 

ISSUES - A minor was able to set up and use and account without sponsorship. 
CASHAPP will not verify the account with the minor or their parent. 
CASHAPP will not refund the money sent to the account ... both my mother-in-law and daughter requested refunds. 
CASHAPP will not verify account with parent. Offered to submit birth certificate as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! Transunion or XXXX  did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
When I originally accepted this loan, in XXXX, the provider 's name was XXXX XXXX XXXX now its University Accounting Service LLC. The loan amount requested was $ XXXX. I had good to fair credit at the time not great. It was somewhere between XXXX to XXXX. I was told I had to have a $ XXXX origination fee if I got approved, and I would have to have a cosigner. I was told as long as I made 12 straight payments on time, then my cosigner would be taken off the loan. That never occurred and I did make 12 consecutive payments on time as agreed. I was never informed or understood that my interest rate was variable and how it was calculated. I was informed if I ever had economic hardship or needed an income based payment plan the lender would provide those options. While they have gave me some forbearance options, they have never offered me an income based payment plan. My balance over the years has gone from $ XXXX because of the Origination fee to about $ XXXX though I have paid {$13000.00} towards the loan to date. I have begged and pleaded with the originator to provide me with more reasonable monthly pay back options that will allow me to get the balance down and and they refused to. The payments have been {$600.00} to {$800.00} a month to which I have responded over and over I cant afford. I have been able to negotiate an interest only payment at times but the balance keeps getting higher and higher with no solution available. My cosigner back in XXXX even offered a $ XXXX negotiation payoff of the loan on top of the thousands I have already paid on it and it was denied. That means they would have received in total about $ XXXX for only lending me $ XXXX. So they would have doubled their money back. The seller of this loan took advantage of me when I was in need. Even the original loan documents have been changed in the system. The documents I originally signed all reflected My XXXX XXXX, the documents they have in my profile now are reflecting University Accounting Service LLC, which I had never heard of back in XXXX when I accepted this loan and signed off on it. I am trying to find my original loan paperwork. I mean they have taken the time to change the paper work in the system and upload it. Its Straight fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: CA
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:
On XX/XX/22 I received a letter from FedLoan Servicing about my PSLF qualifying payment update. It says it includes any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. However I believe this information to be incorrect as there was no adjustment to my qualifying payment counts and there should be and they are not able to clarify. 

FedLoan has incorrectly estimated my qualifying repayments and I deserve a fair and accurate recount and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used to have services with XXXXXXXX XXXXXXXX  years ago and when I canceled my service they were supposed to send someone out to collect their water dispenser and never did. I have called and spoken with them many times and never had any help and now I have a debt in collections from them for {$570.00}. I would love to have it resolved and them get their merchandise and me not have this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo applied overdraft fees before or simultaneously at the same time as withdrawals were being processed

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 2019-05-01
Company: Experian Information Solutions 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:
the company stated information was updated without providing proof or information on what was updated.

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 2021-02-03
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The Bank charged me XXXX in XXXX fees on XX/XX/2021 when I had enough funds to cover all the charges. The bank has shady practices.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Upon turning XXXX I checked my credit for the first time as I was denied for a starter card. When checking I saw that I had a closed account with Capital One that was effecting my XXXXredit score terribly to the point where I can not even get a secured card. I've tried to reach out to credit bureaus to no avail. I did not make the account, my personal information was used and I was a XXXX  when the account was made and its been months of fighting just trying to get this off of my credit. I'm just looking for sometime of help at this point. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a signed contract between myself, and AD Astra in XXXX of 2020. They responded with a contract between myself and Speedy Cash with an electronic signature. They have yet to respond to me requesting they send proof that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: MARINER FINANCE, LLC
State: VA
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 called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: DC
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:
All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-07-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19 I received a text from a company named XXXX XXXX. XXXX from Georgia. We had hired this firm to watch any scams that may effect our computer system about ten months before the actual scam took place. They said they were going out of business and wanted to give us back {$400.00}. dollars but I needed to be at my computer so they could put it in my account. I was at my computer when a man named XXXX called me from phone number ( XXXX ) XXXX. I was unable to use my mouse and he controlled my computer right away. He had a white piece of paper on my screen called notepad. He asked me to type in XXXX I was unable to do it. He typed in {$4000.00}. and said that was wrong. He tabbed down and typed in {$40000.00}. and told me that I was stealing their money? I was then told that I had to go to my bank, Wells Fargo and send a wire transfer to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX. Account number XXXX. Accout type : Savings. I was told to send {$39000.00}. as an International wire transfer to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. If I said anything to the bank that I was being threatened they would take all of my money from my account which at the time was {$65000.00}. I did as I was told thinking that they would leave my money alone. The lady at the bank, XXXX XXXX XXXX asked me if this was a good transfer. I was afraid to say anything as I was being threatened. She thought it may be a scam and put a hold on the balance of my money left in my account. I feel that the bank could have done more for me and flagged the transfer somehow so they could make sure it was not a scam. Wells Fargo has closed this issue and told me that I would not be able to get any of my money back. I am XXXX years old and have never been threatened before. I would appreciate your help in perhaps getting my money back as it should be insured. 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 2022-08-14
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had my son on XX/XX/2020. This medical collection was reported to my credit report on XX/XX/2020, which was 151 days. The law required at the time that medical collections can't be reported until 180 days after the procedure date. I had insurance that should have taken care of this bill, but this company prayed on my naivety and lack of knowledge of the law. I have paid this company {$430.00} which I should not have been responsible for. I have disputed this account MULTIPLE times with all 3 credit bureaus and only one has removed this account and the other 2 are claiming they are in compliance. This collection agency has taken advantage of me, and credit bureaus are aiding them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation