BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-26
Company: Upgrade, Inc.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I noticed that a withdrawal in the amount of XXXX was taking out of my account I contacted the bank several times to try to retrieve such funds I am asking now that the funds be returned to my account immedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$22.00}

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 2019-11-18
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with Finkelstein, Kern, Steinberg and Cunningham, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount. 

This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a Zero Balance and that my debt has been paid in full. 

Civil Case # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 

This Collection Agency is trying to get extra money from Consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We live in the XXXX and had a holiday home in XXXX, FL. Pre covid I had to change my online banking password on my debit card due to fraudulent use in XXXX. Unfortunately I entered the wrong password 3 times then could not reset my password because I didn't have a XXXX XXXX to verify myself. After many frustrating hours on the phone we were able to set up online banking in my husbands name, where we can view our account. 
We have bought and sold two houses in the 10 years we enjoyed Florida, and we have a substantial amount of dollars in our checking account with BOA. 
The real problem occurs when trying to further validate ourselves to wire our funds to the XXXX. In order to do this, again purely because we don't have a US mobile number, we have to further verify ourselves. BOA have sent us 2 new debit cards to start the process of verification. However, on receiving the cards and contacting BOA, the information on the cards have not matched the information on their system, the advisors were also baffled by this and had not heard of this happening before. 
It has come to the stage where we need this money to enable us to put our very poorly XXXX into a care home, we desperately need it. It is losing its value all the time it sits with BAO as the dollar strengthens against the pound. 
Our last conversation with BOA was yet another card would be sent out to us in 5-7 working days ... as of today its 26 working days on with no new debit card. 
We can provide the following to fully validate ourselves : 1. Zoom face to face conversation, showing passports and driving licenses.

2. A copy of a previous wire from BOA to our XXXX account with all the same details. 
3. Proof of every cheque been cashed on the account.

4. We can view our account online.

5. We have monthly statements send to our home address every month.

6. We have professional people, builders, lawyers who would gladly call into a branch to validate us.

The situation is getting desperate. we need the money to be sent very soon. 
Many thanks in advance for your help

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 2020-12-20
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
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 2023-06-26
Company: Experian Information Solutions 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:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had XXXX late payments. But here 's the thing, I've never been late on my payments for this account. 

One thing I noticed is that the account numbers are different for this same account across the 3 credit bureaus. That's inaccurate information, isn't it?

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2021-05-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a PayPal account with a PayPal cash card attached to it. One of the functions is the " Top Up '' feature. When you make a purchase with your PayPal cash card and your PayPal balance does not have enough money to fund the transaction, PayPal will pay the merchant while the Top Up feature will automatically transfer funds from your linked bank account in {$10.00} increments to cover. I don't always double check to make sure PayPal has made the deduction. On XX/XX/XXXX I received an email that PayPal had " a technical processing issue '' and the transfers were not initiated. The email also said they would debiting our account " On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments '' however there were no attempts made. Then on XX/XX/XXXX, an unexpected transfer was made causing us a {$35.00} overdraft fee. Had they tried per the email or had we had a choice of when to pay them back for their mistake, there would be no issue. I can only imagine how many others may had been affected by this " technical processing issue ''. Unethical in my opinion. Here 's the email and thanks for your time. 

From : PayPal XXXX Date : XX/XX/XXXX at XXXX XXXX  MST To : XXXXXXXXXXX Subject : Payment processing errors for recent Top Up transactions Reply-To : XXXX PayPal Payment processing errors for recent Top Up transactions XXXXXXXXXXXXXX, Recently, you made multiple purchases using Automatic Top Up, but your linked bank account or debit card wasnt charged. This happened because PayPal experienced a technical processing issue from XX/XX/XXXX through XX/XX/XXXX. 

PayPal has paid the merchants on your behalf. On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments. The charge will be for the total amount of XXXX USD for the transactions using Automatic Top Up during the period noted above. 

Please make sure that you have funds in your linked bank account to cover the transaction amounts. You can find these transactions in your PayPal transaction history. 

For questions, please visit our Help Center, or get in touch by using the Contact Us link found on all Help pages. 

We apologize for the inconvenience, and we appreciate your continued business. 

Sincerely, PayPal Please do not reply to this email. We're unable to respond to questions sent to this address. For immediate answers to your questions, visit our help center by clicking " Help & Contact '' on any PayPal page. 

XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2022-04-22
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an invitation to enter into a contract by way of accepting terms by my silence if not replied within 30 days in XXXX of XXXX by Caine & Weiner, I disputed this companies validity of debt XX/XX/XXXX by Certified US mail. Merchant never validated the ownership of this debt, XX/XX/XXXX creditor illegally reported this account to credit bureaus without validating ownership of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: MOHELA
State: AK
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 submitted a request for consolidation along with an IDR plan request ( submitted in XX/XX/2022 ). The consolidation was dispersed but Mohela did not apply the IDR payment plan on the account, they claim it was denied due to missing pages 1-4. The application was submitted electronically so there should have been no missing pages as the request was complete. I attempted to contact Mohela on several occasions but each time they refused to submit the request for review and placed me on hold when asked to be transferred to the supervisor and the hold time was over an hour each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: CA
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them XXXX times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of XXXX days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last XXXX months of me disputing this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2023 an account on instagram with a picture of a XXXX XXXX on it XXXX messaged my account asking for permission to paint XXXX of my posts. Her username is XXXX XXXX I allowed her too and she told me there would be comission for it. She claims she can not receive checks at the moment and that her client will be sending the checks my way to cash it. She claims {$2000.00} will be sent my way and that {$500.00} will be mine and {$1500.00} will go to her. Her client with a mobile number ( XXXX ) XXXX and email XXXX messaged me and sent 2 {$1000.00} checks. These checks had a company logo from an established special needs school in Arizona, hence why I thought everything was real. Everything deposited alright on my account but a few days later realized that the checks have been canceled and I was sending {$2000.00} from my own account. I believed everything XXXX XXXX  was saying until she sounded very pushy but it was too late and XXXX can not cancel transactions. After a low balance was detected on XX/XX/2023 I immediately called Bank of America for help. The reviewed my case and gave me an answer that they would not be returning the funds. I had to call all the way from XXXX and spend lots of money on the call for this case.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: CA
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 have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them XXXX times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of XXXX days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
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 2023-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$13000.00}.

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 2023-03-01
Company: EQUIFAX, INC.
State: TX
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the LISTED account from my file. 
XXXX XXXX XXXX XXXX : {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im accordance with the fair credit reporting act XXXX XXXX Original creditor : XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX has violated my rights XXXX XXXX  Account number XXXX 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

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