BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to substantiate my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We entered into an Agreement with XXXX XXXX in XX/XX/XXXX for a new roof and solar system. The project was supposed to be 3-6 months and we are at 9 months now with no completion. They damaged our house on roof install and will not fix despite having a warranty. The solar panels are non operational as of XX/XX/XXXX which they have known since install at XX/XX/XXXX yet they were paid by Dividend finance for a completed project, and we are having to pay the electric bill and pay Dividend the financing of the system that does not work. They have stated they are short staffed and can't fix timely. We are unable to get any other person to speak with us besides who sold us the XXXX system. The finance company does not care if the system works, they stated it is not part of their process to ensure it functions prior to payment. We have attempted for months to resolve with XXXX  with no success. I am afraid if we don't pay the loan for a lemon system and a servicer who is in breach of their servicing agreement my kids and I will lose our house. I feel like we were completely taken advantage of and misled by their products and services. They stated to us that they are going through transitions and have staffing issues, but I feel we have no recourse, and no one cares that they are misleading consumers and not fulfilling their end of the contract. I am looking to trying to obtain legal help but this company is fraudulent and using misleading and outright lies about their products. Other consumers should avoid them at all costs. I have months of emails of us trying to resolve issues to no avail. Below is the cert and licensing numbers Cert # : XXXX Cert # : XXXX Cert # : XXXX HIC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought a XXXX over the internet, got lost in shipping, seller wont give the money so I filed a dispute thru my bank, bank gave me provisional credit, case was denied through XXXX XXXX but went in my favor through the seller and Venmo. So I lost the provisional credits Called Venmo and XXXX XXXX lots of times and they both dont know where the money. Seller said and sent pictures of the case going in my favor, Venmo charged him the {$2200.00}. I call Venmo and they say XXXX XXXX has the money because they cancelled the transaction. Seller wont comply now and Venmo say they dont have the money. 
I have sent a cfpb complaint to XXXX XXXX and they still couldnt find anything on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, 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 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 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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have an issue with false and inaccurate items on my credit report. 1. my name is spelled wrong like four times. 2. Bad addresses are showing on my file, I have never lived in XXXX  My current and correct address is XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX. My DOB XXXX. The addresses here are not accurate please delete XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-21
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent financial and request for mortgage modification to my mortgage servicer Volunteer Mortgage   Servicing. They sent me a letter stating Loss Mitigation approval with 3 three trial payments and a Forbearance Agreement. The letter didn't state the interest rate or terms of the modification. I was told by Volunteer customer Service the modification I received was a FHA XXXX XXXX and I didn't accept the modification. I never received a letter stating I received a XXXX XXXX. Volunteer is hard to work with they leave you on hold for long periods of time and always state you need to call back. 


See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Ideal Collection Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the balance owed in this voluntary eviction on my behalf because employees were using my identity to commit fraud I was there in XXXX Florida from XXXX I filed in civil court XXXX XXXX a response to evict and the settlement was reached I was given the remaining balance I have sent correspondence for several years every year requesting that ( ideal collection XXXX XXXX XXXX XXXX where I lived be removed from my credit ) as per the attached screen shot of the payment on the XXXX XXXX website the account has been paid it is their confirmation and why it should have been removed from my credit report I would like to attach supporting documents however the link below is working as this is an important link to provide evidence please fix additionally your staff can research the case on the XXXX  website it XXXX a voluntary eviction Please respond via return XXXX XXXX p s. I have email, returned certified mail statements with supporting documents of the apartment complex being paid I sent to XXXX XXXX and XXXX XXXX the account be removed every year for the past few years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I submitted a claim with Wells Fargo on XX/XX/XXXX about a scam/fraud I was victim of which utilized XXXX - I paid {$500.00} as a security deposit for a rental property another individual claimed to be the owner of and listed the property 's address and " deposit '' in the transaction description. It turned out this person was not the owner of the property and created a fraudulent lease which I signed. 

I had a fine experience submitting the claim and was told I would hear back from them within 10 days. On XX/XX/XXXX I called again referencing my claim number stating I had not heard back. I can confidently say this was the worst customer service experience of my life. The representative I spoke with repeatedly told me how I was wrong and essentially blamed me for not understanding what was going on. She expressed zero empathy for my situation and gave me no indication that she wanted to help me resolve my problem. She belittle the fraud that I was a victim of and pointed out how it was solely my fault for not reading the " big red letters '' as a part of their user agreement. I just stated that since this application had the banking information of the other party, I hoped they could help me in tracking that down. I had a police report filed and I would like them to assist. She told me that Wells Fargo is not reliable and that she couldn't even tell if I was really scammed or not. After being repeatedly cut off and her raising her voice, I raised my voice back and said I want to speak to a supervisor. She threatened to hang up the phone on me and said she couldn't connect me to a supervisor, even though it was roughly XXXX XXXX XXXX, where Wells Fargo is headquartered. I was directed to her supervisor 's voice mail and shared my thoughts there. 

It was truly humiliating working with someone with such disregard for an unfortunate circumstance. Wells Fargo has in my opinion made no attempt to help me find the person responsible and get my {$500.00} back. Ironically, I'm currently in the process of getting a mortgage on a new home with Wells Fargo and have had a great experience with the bank until now.. But, I'll have to reconsider that after this encounter.

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 2023-11-24
Company: Southwest Recovery Services, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The collector by the name of XXXX XXXX called me on XX/XX/XXXX at XXXX XXXX  letting me know that my balance with XXXX  XXXX has been sent to them for {$2100.00} she did not disclose any mini XXXX XXXX I asked her why I never received notification by mail from Southwest Recovery Services and she told me that they do not send out notices. She offered to email me the letter and I told her no but since I was driving I told her will call her back once I came to a safe place to stop. I did call her back on XX/XX/XXXX at XXXX XXXX  and advised her I will set up a payment plan for {$50.00} a month using my bank account and when I get more money I will pay more she refused to set up the payment plan and she demanded over {$100.00} a month I told her I have a XXXX XXXX XXXX XXXX  that Im also taking care off. She refused and said XXXX will get me fired and my XXXX will be revoked and she was very rude at the end of the call and she hung up I did try to reach out to her manager the information she gave me was XXXX XXXX XXXX. Called the number left a message requesting a call back on XX/XX/XXXX at XXXX XXXX. When she send me the mail the sender emailed was XXXX and name was XXXX XXXX. Today she called me same way no mini XXXX I adv her still waiting for her manager to return my call since she refused to accept to set up a payment plan of {$50.00} a month she got upset and said I will lose my XXXX license she was verbally abusive the first time I spoke to her and today when she called around XXXX XXXX  XX/XX/XXXX after she hung up I call her manager and left a detailed message with my case number a few minutes later she emailed me to say I refused to pay and will document the account as a refusal to pay and she demanded full payment via email by XX/XX/XXXX. Im so stressed about this cause Im not refusing to pay all I want is to set up a payment plan to pay this debt off just I do with my other bills but they making it so difficult to a point where Im getting a mental breakdown.

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 2023-11-30
Company: United Collection Bureau, 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:
I am refiling this complaint to UNITED COLLECTION BURE Original creditor XXXX XXXX XXXX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00XXXX 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 explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was attempting to pay my mortgage today ( XX/XX/2023 ) through the online portal that Lakeview Loan Servicing , LLC provides but despite multiple attempts to pay through their portal ( which they suggest ) their website continues to glitch and not allow me to make my payment of {$5100.00}. I went to the help tab on their website and attempted to call during their posted business hours. Their help line was not accepting calls despite being during their business hours and it hangs up after letting the automated message tell you they are unable to help. I followed up by filling out the online form requesting information. I confirmed my account has the funds necessary to make this payment, Lakeview Loan Servicing is just not providing their customers with a working website and not making it possible to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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've already talked to the bureaus. They need this updated information to come from XXXX. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to NSLDS at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the NSLDS do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Kriya Capital, LLC
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was XX/XX/XXXXwhen these accounts opened and put into collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021 there was a hard inquiry on my Transunion credit report from XXXX XXXX. I did not apply for credit from XXXX XXXX. I called Transunion on XX/XX/2021 and they referred me to you to get a copy of a Fraud 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 explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: IL
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:
These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, SELF XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX Direct TV {$510.00} XXXX XXXX XXXX Bank XXXX not XXXX XXXX but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : Equifax, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to Equifax, XXXX XXXX and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.

Company response to consumer: Closed with explanation