BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My complaint is with PayPal. I was directed to the CFPB by a contact found on the XXXX website, so I am hopeful that this agency can help me. 

I was recently told by PayPal that a payment made to me for an XXXX   auction was being disputed as being unauthorized. This was for an auction which had both ended and the product had been mailed and received by the buyer. This seemed odd as the buyer had provided positive feedback and the USPS tracking number showed that the product ( a set of books ) had been delivered. 

Of particular concern was that the notice from PayPal offered no way for me to provide an information. Neither did their website. There was no apparent way for me to respond to this claim. 

I did contact the buyer through XXXX 's messaging system and they confirmed that they received the product. At first the buyer was unaware of the dispute and felt the email I received might be a scam. However he was later able to determine that through a miscommunication another member of this family was unaware of the purchase and so flagged it as unauthorized. According to him, they contacted PayPal to try and cancel the dispute. 

A month later I received a second email from PayPal which said that they found the dispute to be credible due to " We did not receive proof of shipment ''. Something I could clearly provide with a USPS tracking number. Yet again, I was provided no way to respond to this or offer any supporting evidence for my side of this claim. 

In addition to this I was informed that I was being charged an additional {$20.00} as a " chargeback fee ''. Their email even states that I may not have been expecting this fee. How is it that a fee can be levied without notice -- which their email even calls out. 

I understand that PayPal is not considered a bank which I why I approached the XXXX to start with. I don't know if this falls under the CFPB umbrella either. Yet this company which moves huge sums of money around must fall under someone's jurisdiction. 

All I am looking for is a way to provide information which is relevant to this dispute. A dispute in which both sides agree that a mistake has been made! PayPal does not appear to offer this in any form. 

The PayPal dispute number is XXXX. 
The tracking number for the shipment is XXXX. 
I am attaching a text file which includes the email exchange between myself and the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-14
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Company states I still owe on a 2yr loan that I have been paying on for 5yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good afternoon, Hoping you can help- I have listed on my credit reports a balance from a credit card that is not mine, it belongs to my mother. When I was started college in XX/XX/XXXX she had given my a card from her account in my name ( as an additional card holder ) for emergencies. She did not know this had turned up on my credit until I had tried to sign for up for a lease after I left my dorm room this past year. 

She has tried several times having this removed from the company to no avail-last conversation in XX/XX/XXXX, which she has an email confirmation of if needed. The credit card company has since sold off this debt to another company ( letter received XX/XX/XXXX ) but now both have said they can't do anything about it. My mother also has an attorney that said it shouldn't be on there. She was able to have one of them removed but the other is still showing up. 

Original company was called : XXXX XXXX  ( XXXX Credit Card ) XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Showing up as on my reports as XXXX = {$7200.00} which was sold to XXXX   XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX She has tried all avenues and haven't been able to have this corrected. I'm asking if you could please assist in this matter. I will be turning XXXX in XX/XX/XXXX and my mother and I don't want to start off with this incorrect information. 

Thank you-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 2023-09-14
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in and am eligible for income based repayment since I XXXX  in XXXX. I logged into my account recently and found MOHELA had taken me out of IBR and put me in level payment raising my payment from {$400.00} to {$1100.00} ( after no changes by me re : my income ). One loan was put into SAVE, all other in LEVEL. They are all eligible for SAVE or income contingent repayment per Studentaid.gov, and my payments should be between XXXX and XXXX depending on if I choose SAVE or ICR. On level ( again their mistake ) my account would be immediately overdrawn if this amount was debited, but if I remove my account, I lose my .5 % decrease in interest for having auto-debit. I called and the person I spoke to XXXX told me this is happening to a lot of people. She could offer not solution other than for me to reapply and if they can't process it before repayment, which they said they can't, I will be in administrative forbearance, which over the long run obviously costs me more money as my loan is accruing interest while Mohela " figures it out '', enriching them in the long run. Great little scheme if that's what they're doing on scale which it seems it is since their rep actually just said that. And after speaking to them, all I got was a letter saying I'd been put in level payments. Are you kidding me? They have offered NO solutions for their mistake and I'm the only one who suffers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Sams credit card issued by Sychrony Bank was closed because of fraudulent charges made on my account. The bank resolved the issue and settled the claim. After the account was closed, new charges which I did not make were added to the account which as of yet still have not been identified to me. I have had several frustrating phone conversations with the company regarding the issue. They continue to add interest and I finally sent a certified letter to CEO Sychrony bank dated XX/XX/2023. A signed return receipt was received and to date, XX/XX/XXXX, I have received nothing but letters harassing me about payment with no investigation taking place.

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 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt was from an old XXXX XXXX Credit Card Account. Midland Credit Management Inc was not the original credit card company nor were they represented as a collections agent for XXXX XXXX, even though they say they are. XXXX XXXX confirmed that Midland Credit management is not the debt collector on this account. Midland Credit purchased this debt from XXXX XXXX and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for XXXX XXXX, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed XXXX  XXXX. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
Midland Credit Management insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX Sheriff 's Department to serve me paperwork stating that I need to list all my assets that the Sheriff 's Department would confiscate and surrender to Midland Credit management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hayt, Hayt and Landau has called several times in an attempt to collect a debt on behalf of XXXX XXXX XXXX. Calls began Friday XX/XX/2019. I contacted Hayt, Hayt and Landau at ( XXXX ) XXXX explaining I do not have an account nor have I ever with XXXX  XXXX XXXX. I further explained they are attempting to scam me and I will contact the authorities if they continue. Of course, they have continued with more calls XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a complaint with the XXXX # XXXX. The XXXX responded stating that the office of Hayt, Hayt, and Landau does not have a attempting to collect a debt case on file against me. However, Hayt, Hayt and Landau continued to call XX/XX/XXXX, requesting I call Ms. XXXX at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
For the billing cycle ending XX/XX/2021, American Express made a change to the billing st

atement that is misleading and intended to inadvertently drive consumers to use the Pay Over Time feature, resulting in unexpected interest charges. As a result of changes, new charges over {$100.00} are no longer displayed under the " Pay in Full '' amount shown on the billing statement. Therefore, payin
g the " Pay in Full '' amount now results in interest charges being assessed. The true balance has been moved to lower prominence on the bill, including online bill pay options.

As a result of this change, I ended up with {$180.00} in interest. Although American Express ultimately waived and reversed those interest charges, this is a misleading change requiring communication with a representative ( in which they push additional offers ) and I do not believe American Express provided a clear notice to customers about this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ a fence contractor XXXX XXXX of XXXX asked me to Zelle him {$3500.00}. The payment options were only Zelle or cash to obtain village permit and materials before beginning the construction. I thought the banks and Zelle would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( XXXX XXXXXXXX XXXX XXXX said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XX/XX/2023. I purchased a {$100.00} Vanilla visa gift card from XXXX for a college kids, When she opened it there was not a card in it, it was a XXXX card that had the bar code on the back and blank on the front. I went back to XXXX in XXXX Missouri on XXXX and they said no refunds on prepaid cards. I was told to call Vanilla visa which I did, I was then told to send a copy of my receipt, visa card front and back and a copy of my Drivers Licenses. I get that they need to verify who I am but I just don't e-mail my personal information and they were not trying to work with me at all. This is XXXX, I can't believe I couldn't get any assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.

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 2021-07-14
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: Information belongs to someone else

Complaint:
There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-12-27
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, This company has to be stopped. Their collections tactics are inhuman and the way they speak to consumers should be a crime.I 've been harassed for trying to solve the issue in a decent/respectful way. This company has been reported an account from the year 2020 with an inaccurate balance. The amount reported is incorrect and they have been increasing the reported amount monthly, which is highly illegal for a closed account. I have had several conversations with their representatives. I've been cursed out, told I was a XXXX XXXX XXXX and that they will ruin my credit and make it impossible for me to ever rent again in the United States. They have contacted my mother and threatened a warrant on my arrest if she didn't have me to call them immediately. My mother who is already in poor health suffered a XXXX XXXX XXXX after their threatening and degrading phone calls. Can someone please help me solve this debt with this company. The reported amounts are inaccurate and they have blatantly stated they are out to ruin my credit/reputation. This debt is also a joint debt which I've tried to explain countless amounts of times to no avail.

Company response to consumer: Closed with explanation