BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/2020 I Open my XXXX XXXX. With him i know more people or worker in XXXX XXXX : XXXX, XXXX, XXXX XXXX. I open my promotional activity, which i help the emergin XXXX XXXX to use better their money. I do the " XXXX XXXX '' in the XXXX XXXX, and i pay monthly XXXX XXXX. In the start we receive XXXX for month, but we can't pay all over Tax of Paypal and XXXX XXXX, or traplist team.. therefore we didn't obligated the artists to pay us for " XXXX XXXX XXXX '', we didn't knew was a law.. in XXXX and XXXX, i was coming to receive Donations by the Artists, they paid us to use better the money. But a big part of Money goes lost for " Buy '' the Services of XXXX XXXXXXXX XXXX, XXXX XXXX and inother we had to pay Tax, XXXX XXXX XXXX Team.. We don't obligated the " XXXX '' because the earnings were really few. Paypal, in XXXX XXXX permanent blocked my account Paypal with XXXX locked in Profile, and XXXX for monthly that i can't received because they use only paypal. I have now to Pay the Tax, because the money are fattured, but i'm young, i'm XXXX years old, and in XXXX i would start the university in XXXX ... if i don't use Paypal i lost my work, and i lost a year of Work and costumers ... I don't know if i can pay the University ... please help me, i promise that in future i will receive payments only in " XXXX XXXX XXXX  '', not " XXXX XXXX XXXXi '', also are Donations. I have a team of 10 people who believe in the project, i lose more.. I haven't do anything illegal ... In fact, i'm trying to do anything legally. Please help me.. my email of account is XXXX and my Name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I had fraud transaction 4 times each of XXXX $ ( Total {$3800.00} Approx. ) in less than 5 minutes and I did not get any authorization code from western union. As soon as I checked my email that my money got transferred, immediately I approached Western union saying that I had a fraud transaction they filed a case and given me the case number and told me to file a police complaint. Then I went to my local police station and filed the complaint. But western union was not helping me with any updates or information regarding the fraud transaction. Somebody stolen my money using my identity from a foreign location and they authorized and approved the transaction. They did not even care to notify me via email or ask me for a validation. Even after repeated calls their response was they were acting like it was my fault as my money was stolen by somebody through them. They are not even ready to share how that happened and they only wanted to talk to police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: PNC Bank N.A.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I wired the down payment for the purchase of a home to PNC Bank in the amount of {$77000.00}. It was discovered that fraudulent wire instructions sent via email were used on XX/XX/2022 when my husband and I were signing closing documents at the title company, Fidelity XXXX XXXX. That evening I submitted an IC3 Complaint Referral Form to the FBI and was told by the escrow officer on XX/XX/2022 that the FBI had contacted PNC Bank and put a freeze on the account. I also submitted a wire recall claim with the originating bank on XX/XX/2022, XXXX XXXX, and there is an ongoing investigation at this time. I also contacted a live person at PNC Bank but was told that they couldn't give me any information. 
In my conversations with XXXX XXXX, the originating bank, I've been told that all of the requirements to PNC Bank have been met however we still have not received any of the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to use my cc in XXXX. It was declined twice. I called customer service and they said they thought it was fraud. They wanted permission to rerun my credit info. I obliged not understanding what that had to do with fraud. I was declined. Called back later to inquire and wasnt given a specific answer. Just run your credit again to see if you get access to your credit line. Declined. Called recently and was finally told my credit score dropped so I gotten cancelled from my credit line. No email/letter/phone call. How is this legal?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX  The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX   before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX  ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with Equifax, this account is closed. Per XXXX the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: WSFS FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from XXXX Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with XXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX Bank XXXX 

I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for XXXX, and they have 4,257 complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is 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 2019-01-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. 
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. 
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. 
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. 
My husband will be submitting a complaint also on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, 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 recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: FL
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:
When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 

2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 

3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX ; XXXX and Transunion should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-05
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:
please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2019-01-21
Company: Nelnet, Inc.
State: MN
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:
I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.

Company response to consumer: Closed with explanation