BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
First, there are extremely long wait times to talk with Mohela representatives. I waited 45 minutes today to speak with someone who couldn't fix the issues. Once on the call, I was put on hold for another 45 minutes, waiting for a supervisor. 

Second, I have set up auto debit payments on my Mohela account. The financial information is correct because I can make one-time payments. In XXXX and XXXX, I received email notifications that my financial institution had declined the payment request. I contacted my bank and they have no record of a payment request. They did have the record of the one-time payments that I made late. The financial information for the monthly payment and the one-time payments are exactly the same. Apparently, Mohela can receive one-time payments but their auto debit system is not working and they are threatening to report me to credit reporting agencies. 

Third, on XX/XX/XXXX I submitted a PSLF Employment Verification letter. I have confirmation from the Department of Education that this letter was sent to Mohela on XX/XX/XXXX. This verification confirms my employment over the last 2 years and will affect the number of payments that I have yet to make. They said that it could take up to 90 days to process this ( which is an unacceptable amount of time to begin with ). After 100+ days and 1.5 hours on hold, they said that there was an issue with the employer signature. After asking them what the issue was, they couldn't tell me.

This system of hiring out for-profit companies to manage student loans is crazy. What incentives do these companies have to provide adequate personnel and services? I'm literally still on hold after asking to talk with a supervisor to try to figure out what else I can do to have my auto payments work and to see why my PSLF verification hasn't been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello my name is XXXX XXXX and I am writing in reference to the three credit bureaus. I am having an issue with each bureau reporting information on my credit report that in unjust. First and foremost I have attempted to fix these issues on a few occasions and they have helped with nothing. The first is XXXX XXXX not only have I disputed this account on multiple occasions they have yet to notate the account that it has been disputed this is a violation is grounds for removal of the account on my credit report. This account is also reporting as an installment account and that is incorrect because it was a sales agreement, that is another violation due to incorrect reporting. I also have an issue with two other accounts that are in violation of XXXX one is XXXX XXXX and the other is XXXX XXXX I have been disputing XXXX XXXX since XXXX and they have yet to notate the account stating that it is in dispute meaning that this is grounds for removal and also a violation under the XXXX because they must notate the account within XXXX days. These companies have also failed to provide the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place between myself and XXXX XXXX  and XXXX XXXX. That means I have no contractual agreement to pay them on alleged debt. Please remove all accounts from my credit report immediately. These accounts are also reporting charge off payment histories, however, a charged off account should not reflect any payment history because a charge off is not a form of payment, in fact a charge off is considered income under consumer law. Please remove from my report immediately, 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new FIFTH THIRD MOMENTUM SAVINGS and CHECKING accounts on XX/XX/XXXX. 
Link for the promotion https : //www.53.com/content/fifth-third/en/mkg/checking-offer.html To qualify for the {$350.00} checking bonus, provide the offer code, open a Fifth Third Momentum Checking, or Preferred2 checking account by XX/XX/XXXX and make direct deposits totaling {$500.00} or more within 90 days of account opening. 

I made multiple direct deposits totaling {$500.00} or more within 90 days of account opening. 
I never received the {$350.00} bonus within 10 business days of completing the qualifying activity requirements. 
I contacted FIFTH THIRD bank on XXXX about the promotion and they refused to honor the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
PayPal advertisement claims that it sends money to XXXX, so on XX/XX/2019, I sent {$50000.00} to a person in great need due to an emergency. 
The person was unable to retrieve the money, his bank XXXX did not work with PayPal. 
I called Paypal several occasions asking how this money could be received. When able to receive a call back the worker could not understand or give me an answer. 
Now 11 days later the money is returned to me and Paypal is charging me a fee of US {$22.00}, so charging me for their mistake. I have not accepted this incomplete money. I want to proceed with a claim. Paypal needs to stop its misleading advertisement, and pay for the pain and suffering that this event cause to myself and the family in XXXX. 
Cordially, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi this debt was from a management company. We told them we were moving and we gave them our notice of leaving we paid a d discussed our deposit and all such things. They sent a lease and we ignored it because we knew that they knew we were moving. Then we moved and they sent us a notice you owe us a large amount not sure exactly what because we didn't sign the lease and not signing the lease is equivalent to reaccepting the lease. But we told them we were moving the management has been harassing us and the debt collector has been abusing us and being very rude. They made my wife very nervous and anxious and we would like to a dispute the debt and b sue them for their harassment please a law abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LEXISNEXIS
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit report for LexisNexis, and I found out that there is plenty of old addresses I found on my credit report. These addresses are outdated, and I no longer reside with them. Also, I found other addresses that I do not recognize at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: CA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I used my Venmo account to send {$200.00} dollars to my sister. During the transaction on my smartphone, the Venmo application initially rejected the {$200.00} transfer due to insufficient funds in the bank account linked to my Venmo account. I confirmed I had sufficient funds in my bank account, XXXX, and I proceeded to once more send the funds through Venmo. On the second attempt, the funds were sent to my sister. 

My sister received {$200.00} dollars, and I thought all was good. I later checked my bank account and noticed Venmo had deducted from my XXXX account a total of {$400.00}. There were two deductions from my account of {$200.00}. This would have been fine if my sister had received {$400.00} because she could have sent the funds back. However, she only received {$200.00}. This was confirmed via the transaction history on my Venmo account and my sisters. Our Venmo transaction history indicated only one transfer of funds for {$200.00} had occurred between our Venmo account. 

I contact XXXX to confirm if two transactions had actually posted to my account. XXXX confirmed and provided the trace numbers for each transaction. 

I filed a dispute with Venmo who initially issued a credit of {$200.00} to my account, and I let them know what the issue was. In reviewing my dispute, Venmo did not acknowledge the fact that they had deducted {$400.00} in total from my bank account but their platform was only showing {$200.00} was deducted/transferred. In their investigation of my clam they asked my sister if she had received {$400.00} which she answered as no. She, as we had already determined, only received {$200.00}. Based on her response, Venmo determined that my dispute was not valid and attempted to deduct the {$200.00} from my bank account which was unsuccessful due to security features enabled on my account. 

Since Venmo was unable to deduct the funds from my account they placed a hold on my Venmo account and gave me a negative {$200.00} balance. I am now unable to use my Venmo account for payment transfers and services that I would normally use to settle tabs with friends. Further, funds that I do receive, that are rightfully mine, have been withheld by Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I purchased hearing aids at Sams Club. I was offered an interest free loan to be paid off within 2 years. I received a letter in the mail from Synchrony Bank on XX/XX/2022, advising me that the monthly payment would be {$120.00}. I admit that I did not read the entire letter, but thought the amount they quoted was too small to be completed in 24 months. Therefore, I took the total amount owed ( {$3800.00} ) and divided it by 24 months to determine if the amount was correct. The monthly payment to avoid the interest would be {$160.00}. Although the letter states further down that the monthly payment would not satisfy the waiver interest, many people, especially the elderly, would not go past the statement of their monthly payment and eventually would be required to pay the interest. Although this may be legal, it seems very dishonest to me.

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 2019-09-13
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with The Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2022-01-26
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All 3 credit bureaus have a debt listed under my name for a cable bill from XXXX services for a house in North Carolina. I live in Maryland, and I have never lived in North Carolina. Also, the name on the bill is not my correct name. This bill was sold to a collection agency called I C SYSTEM for the amount of {$530.00}. Their contact info is : IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. 

I have called them and disputed the claim and they refused to remove the debt from my credit report. I have disputed this information with XXXX and the debit was not removed from any of the XXXX credit reports other than notes saying : Account information disputed by consumer, meets FCRA requirements. How do you dispute a bill that does not belong to you when the period in time the bill was accrued you did not live in the state in which it was accrued, never lived their. Lived in MD for over 25 years. Never owned property outside of Maryland. Also XXXX does not operate in Maryland ... Seeking help taking this false debt collection reporting off from my XXXX credit reports. This is gross abuse of my civil 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 2020-12-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
For the last week I've been on the phone with PayPal, in live chat support trying to fix this issue. Every time I try to withdraw my money on XXXX, I get this error. Its been happing to me for the last week straight and the only help I have gotten from them was " wait 48-72 hours. ", I have been waiting a entire week, and till this day ( XXXX, XXXX, 2020 ) I've gotten this error. When I spoke to someone on the phone 2 days ago from the XXXX of XX/XX/2020 they told me, they had to lift a limit or something on my PayPal account, and that all would be fixed in 2 days and promised me id have my money in my account. Well here we are no fix at all or even the call at all, and the error is still a thing. So I called today and they told me there is no fix for this, and there's nothing they can do because the whole website is computer ran. ( now a different outcome from when i last spoke to them ) I have had to confirm my ID TWICE and submit other documents multiple times, and cleared cookies, tried using the app, I mean I've tried everything possible. So what do I do? Is this even legal for them to hold my money with no reasoning or even knowing why, and telling me they dont know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with XXXX XXXX, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, Portfolio Recovery refuses to talk with me. I was advised to file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im having difficulty making payments. They wont work with me. They call 12-15 times a day. Sometimes they just hang up/robocall and sometimes they are there demanding payment.

Company response to consumer: Closed with non-monetary relief