BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: HF Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) On XX/XX/XXXX  Received an email l from a collector asking to pay their client " XXXXXXXX XXXX XXXX XXXX " {$370.00} 2 ) On XX/XX/XXXX  I requested proof of an agreement signed by me. This was never provided. I also indicated that if they are able to provide the contract in question with my signature, I will honor my debt. 

3 ) XXXX XXXX XXXX XX/XX/, XXXX to me There is a digital contract that was attached.. You know what you signed, and you know that you owe the funds to my client respectfully. This is a courtesy before I place it on your credit and continue to affect your credit for the next 7 years. Keep in mind we report to credit at the end of this week. 

XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX It feels like I am being scammed. You sent me a contract with no signature. I can do the same, send you a PDF contract, and say you owe money. However ; without a signature is non binding. Please provide a signed copy of the contract from the vendor and I will review if I did indeed sign as speculated by the company then I will have no choice but to pay. 


XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX XXXX XXXX XXXX I am formally responding to your contact about collecting a debt. You contacted me by both phone and email Tuesday, XX/XX/, and identified the debt as a signed contract. I do not have any responsibility for the debt youre trying to collect. 



If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that ( contract signed by me ). Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 



Also, please note that I have 30 days to dispute a debt from when I first receive the required information from the debt collector ; which I have not received. 

That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Firstmark Services acquire my student loan from XXXX, but I am unable to locate the original master promissory note in my Firstmark online account. Also, I was not included in the XXXX student loan refund class in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-08-17
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
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 noticed some inaccuracies on my credit report i brought it up to XXXX XXXX and Equifax they told me they were going to take care of the problem but they never did. its effecting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NM
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened or not authorized due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello CFPB agent ( s ), I have the venmo visa card and I reside in California. I made a large payment on my card ( {$2000.00} ) on XX/XX/23 and it finalized on XX/XX/23. My payment has still not been applied to my account. I have called several times and gotten different responses from customer service and managers.

They are effectively holding my money hostage without providing me my credit on my account for my payment. I believe they are in violation of their terms of service. Please help me. 

Thank you, 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 2023-09-20
Company: EQUIFAX, INC.
State: CA
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:
This is my six 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 records 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 XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hard inquiries are on my credit report that I never saw before need this to be disputed of credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 there were 6 withdrawals from my checking account at Wells Fargo bank in $ XXXX increments totaling {$5700.00}. 
We reported it to the bank on the XXXX when we first saw it. Bank made no attempt to inform us that this happened and being that it overdrew my account, they should have seen the red flag. I have banked with them for 29 years and through reviewing my history, they can see that I wouldn't do this. 
The bank refuses to give me details about these withdrawals saying they will let us know in 30 days. They also have come to the conclusion that the withdrawals were made by us, which they were not, nor was there any authorization to withdraw. I suspect identity theft. 
We have found on our own that the entity who removed the funds was XXXX XXXX XXXX. 
We don't and have never dealt with stocks or bonds, and we certainly wouldn't overdraw our account to invest in this. 
Our income is Social Security. 
I have spoken with many bank employees at the bank and even went to the bank to see if this problem can be resolved, and each say they can't divulge the info. and therefore I am unable to resolve it with the thief. 
I do have a fraud claim # XXXX. I received a letter from Wells Fargo on XX/XX/2023 stating that the case was closed and they will take no further action. 
Thank you.

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.

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 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Bank of America owes me for 11 deposits XXXX made to my account that won't show in any of my statements. They claim the statements that show those deposits are archived and can only be retrieved by a supervisor. I've requested those statements 3 times and they have failed to send them. To me. They denied my claim for XXXX because they said it was part of another claim but my other claim were for transactions made from XX/XX/. Not from XX/XX/ or XX/XX/ which the 11 deposits from XXXX were made to my account. Those deposits were XXXX that I never received. Thst were not included in my first claim which was filed for XX/XX/ The months of XXXX and XXXX are the ones that show they owe me. Yet they refuse to let me see those two months of statements The supervisor who filed my claim said these two months statements were only accessible and viewable by a supervisor so how can they say they paid me if they couldn't even see those transactions only a supervisor had access to locate them. Not the claims specialist or any representative no body but a supervisor. They owe me for XX/XX/XXXXandXX/XX/XXXX 11 deposits totaling. {$12000.00}

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 monetary relief
Consumer complaint received 2023-04-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They received my negotiable instrument in XX/XX/2022, and applied it to my account, and following that they closed my account as paid in full and satisfied. 
After several months they reversed the payment but left account closed, then proceeded to harrass me via mail, phone and email for a paid in full account. 
Now they claim they can not accept my negotiable instrument, and failed to return the multiple negotiable instruments I have sent, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer 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 explanation
Consumer complaint received 2018-04-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This concerns Paypal. I am a regular consumer ( not a merchant. ) My problems started when I had a dispute with a vendor and blocked a Paypal payment of about {$150.00}. I blocked it with my credit card company ( XXXX ), but I believe the original purchase was made with Paypal ( who then charged it to XXXX. ) Now Paypal shows my entire account blocked because of the dispute. But i can not clear the dispute from Paypal. 

Shortly after this dispute arose I had {$3700.00} deposited into my Paypal account. Now Paypal won't let me transfer those funds to my bank account. Paypal has held my money for 9 days now. 

The Paypal web site claims to allow me straighten things out, but the resolution function either doesn't work ( the wheel spins and spins ), or it confusingly demands that I upload documents without telling me what documents. 

I called Paypal but got into a lengthy phone tree. 

I feel that Paypal is abusing its control of my funds. It is using the minor issue of a previous dispute to forcibly deny me access to my funds, By the way, some of my friends have similar complaints. I think Paypal is making the transition to being just another abusive Internet company. 

I hope that CFPB will keep closer scrutiny on Paypal. 

And please let me get access to my funds. Once I have extricated myself from Paypal, I will very, very cautious about ever using their service again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Genesis FS Card Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are 4 paid collections on my report that do not reflect this change. There is another collections account for {$620.00} for an account I have no knowledge of. Of the 4 paid collections, one was represented by a XXXX XXXX XXXX in XXXX, NH. They told me they will never remove the information from my credit report even though the account was paid in full. The debt collectors say they worm for a lawyer but I never spoke to an attorney who should have advised me of my rights. I did not know about a court date either. But the account is paid in full. 4 of 5 collections are paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, 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 Balance {$0.00} ; XXXX XXXX XXXX XXXXBalance {$0.00}.

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 2023-07-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I noticed a charge on my Wells Fargo credit card of {$490.00}. I called the number listed on the charge and was told it was for an internet protection which I did not purchase. 
I was told that to remove the charge I would have to enter two amounts of {$250.00} and the charge would be deleted. Unknown to me, they had control of my computer and they entered the amount of {$25000.00}. So it appeared on my screen that I had deposited {$25000.00} into my checking account. In order to remove that money I had to send two wire transfers totaling {$25000.00} to an account in XXXX. 
So I went to the bank and had those wire transfers completed. I did NOT instruct the teller to charge my two credit card accounts. I wanted the money taken from my checking account. 
Of course there was no {$25000.00} in my checking account. 
So, without my consent, or even my knowledge, my two credit cards were charged {$25000.00} If the banker had asked me where to get where to get the funds, it would have been apparent it was a scam, but SHE DID NOT ASK. She arbitrarily and without my permission, charged my two accounts. 
By the time I realized it was a scam, the transfers were already made. I feel I was defrauded twice : once by the scammers and once by the bank. 
I have spoken with the bank on several occasions and have sent a dispute letter. And have filed a police report. 
Wells Fargo has determined there was no fraud.

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 monetary relief