BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Pay pal is trying to black mail me I had someone by something from me and the paid with pay pal I met ther person in person handed her the item she purchased in her home town after I went in the store when I came out they were gone she calls me 2 hours later saying its damage I said thats the case mail it to and I send your money back she apparently didnt wan na do that because she file a dispute With PayPal because thats how she paid to PayPal went and took my money and when I called up PayPal and I asked him about it and I told her to mail me my stuff back and then they said something to me about the consumer protection laws doesnt promise that I can get my stuff back I said and I sent them a copy of the consumer protection law and says since when does somebody have protections when theyre buying a used item off of a private individual that lady left she had my item in her hand she left when I came out of store she was gone calls me two hours later and says that its damaged I said dude you had in your hand at the store you left with it youre gone for two hours how do I know you didnt drop it down the subway steps or something so what appeared to me was she was trying to keep the item because when I told her to mail back she refused it and if she disputed it with PayPal now PayPals white and Ill kinds of stuff they got my account limited theres like so theres money on my account that I cant transfer because they wont let me so in my opinion or blackmail me they brought up about the consumer protection rates that Im not going it doesnt say I can get my stuff back for sure or something like that they told me so yeah but this lady already paid for a product Im a private citizen she saw it she bought it off of me like a flea market what consumer rights does she have none when youre buying it off of private party Im not a store so they say my account is limited until I provide proof of I have a business account with them my business account been with them for two years probably now all of a sudden they want all this stuff I dont even know what they want because I gave them the facts on this lady who is trying to dispute an item she purchased off of a private citizen And she shouldnt have been allowed to dispute it for PayPal because she didnt buy it from the store theres no invoice theres no guarantee return after 30 days I dont have any that Im a private person she inspected the item she looked at it she held it in her possession for two hours before she even disputed it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: OH
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:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried logging into my online banking with Wells Fargo and was unable to get logged on. I called the bank the banker said that an investigation had been launched. That money was transferred from my joint account ( XXXX ) on XXXX for {$2000.00} to my personal account ( XXXX ) as its been done for years on a payday scale ( every 2 weeks ) and the money was now being placed on hold. This causes a major hardship as this money as always has been used in covering bills The banker advised that it was being reported as fraud. I advised that there has absolutely been no fraud on either account and that all moneys were authorized. I requested that the history of these accounts and the history of it being done this way be taken into consideration and the funds be released as not to cause hardship. I was read a statement saying that I would be liable for this {$2000.00} which I express my objection to as this has been the norm for these accounts, also that no fraud was committed and I confirmed that as normal all transfers were authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business SYNCB/PAYPAL CREDIT CARD is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between SYNCB/PAYPAL CREDIT CARD and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

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 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent out letters on XX/XX/2022 and also talked to all the credit reporting agencies via phone on XX/XX/2022 about all the hard inquires they furnished on my credit report without my written consent. The agencies I am submitting a complaint against is XXXX, XXXX, and EXPERIAN. According to fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my rights.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  XXXX Account # XXXX And Agency Account XXXX. received 5 letters That has violated my rights, By sending them to the wrong Address, Has violated with my rights by giving exposing my personal information, with the details accounts numbers, that has put my information in jeopardy for scams, and for someone to steal my identity I will be uploading the Letters that has Violated my rights. 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )

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 2020-02-13
Company: C/C Financial
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA. 
I have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements. 

I politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so. 

Recently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX. 


FYI- The first attachment labeled " CFPB '' is an email that made me aware of this law from another lender.

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: 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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified XXXX tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Equifax on multiple occasion about this matter. Equifax said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Equifax is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Equifax on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. Equifax has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Nelnet, Inc.
State: MI
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:
This is still an issue. I requested payments made to XXXX to be refunded to me under COVID reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. XXXX has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the XXXX account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
I placed a dispute with this company several times regarding the same issue first being XX/XX/XXXX and again recently XX/XX/XXXX ( see included attachment for proof of dates ), I informed Equifax of my FTC report filed both on my own as well as through the CFPB. I also verbal and physically have written disputes about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written disputes to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because its been over a year ago and I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or seek other means of mitigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I sent it to the mortgage company concerning our property taxes exceptions on XX/XX/XXXX XXXX XXXX And I have been calling almost every day to get the mortgage company to give me an update on reducing our mortgage. Every time I call they are giving me the runaround when I talk with them they always connect me to different people I was told that someone's last name XXXX has a hold on our account and at this time they can't get the exceptions done. We are seniors and I have been working on getting this task taken care of since XXXX I am still fighting the mortgage company to get this corrected. So we can get our mortgage lower. This is my second complaint about the company. Is it possible to get some help we have health problems and when I'm done trying to get this issue taken care of its always a problem with 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 explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
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 2022-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted proof to Experian that the date of first delinquency for the accounts I am disputing was XX/XX/2015, over 7 years ago. 
Experian has refused to remove the accounts and instead has allowed XXXX XXXX to re-age the accounts by submitting to Experian a FALSE date of first delinquency. 
I request an investigation focused on Experian knowingly supplying error-laden, unverified credits reports. XXXX and XXXX both removed the accounts in question.

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