BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX  XXXX XXXX. stating that PayPal Inc. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with PayPal and the remainder of the negative balance will remain on your PayPal account."I quickly called XXXX  and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called PayPal to confirm that this information was incorrect. I let them know I rarely ever use my PayPal account and this could not be possible. The PayPal rep asked me if i have a PayPal credit card, which I do not. He said that would be the only way PayPal would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX  2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from PayPal indicating that this information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, XXXX XXXX sent a transfer from TD XXXX bank to XXXX Bank in XXXX XXXX .... using the same data on another transfer which was sent XX/XX/2019 and the second transfer was received three days later but the first one I sent for {$2200.00} plus {$40.00} transfer fee was lost and not received by my contact but the second one went through. I have included paperwork on the first transfer and the second as well as documents showing funds taken from my account and TD XXXX investigation team data sheet. I have a complaint number for XXXX Bank for your investigation ... XXXX but was told to put an investigation on TD XXXX  not helping the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: GA
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:
Back in XXXX I found out that I had a student loan on my credit report. I tried to handle it back in XXXX a few times not knowing the correct way of handling it. I didn't get the results I wanted and was basically being forced to pay something I never requested or took out. Once I got into learning and understanding my credit and how it works I reached back out in XXXX they took a while to reply back. Once they replied back, it's been a lot of back and forth between the student loan people and I. They had my information like name, gender, dates and they even had two different amounts for this one account. I have sent multiple dispute letters and they only replied to one dispute letter and with the wrong information and two different amounts. They still trying to force me to pay and give me a hard time of fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: College Loan Corporation
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called at my workplace and my cell phone numerous times by XXXX XXXX XXXX. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.

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 2019-08-09
Company: EQUIFAX, INC.
State: HI
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:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have consistently wrote the company LVNV Funding to provide me information on this debt with my signature in the amount of XXXX. This account is not my debt LVNV only gives me Billing Statements from a XXXX XXXX XXXX. I have never had an account with LVNV funding nor XXXX XXXX XXXX. If LVNV can not provide me with my signature i would like this account to be remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: MI
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:
My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : 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 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 XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten 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
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX originally ( XXXX XXXX ) XX/XX/2015 Account # XXXX Please validate this information with these collections agencies and provide me with copies of any documentation associated with this account, with my signature. In the absence of any such documentation with my signature. I formally request that this information be immediately deleted/ removed from the credit file you maintain under my Social Security Number. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I am keeping careful record of your actions, including multiple attempts of how many times, I have contacted you via certified mail and by phone to correct the inaccuracies of these collection agencies! 

I also took the liberty of attaching my credit report from XX/XX/XXXX where the account was not even showing up. XXXX XXXX are billing due to pipes bursting, I am not entitled to pay. I attached the certified letters stating I am not responsible for any pipes bursting and it was and is currently a false claim. I will not pay for something I am not responsible for I did not break lease or cause the pipes to rupture or breach any part of my contract with 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 2020-09-14
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank enrolled us for biweekly payments which were supposed to be auto payments from our account. They failed to execute the auto payment we were enrolled for in XXXX and did not notify us of their failure to execute the payment. They only reached out to one phone number which was erroneous in their records after the payment date had passed.

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 2019-08-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
See Attach Documents I open a checking********

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 2018-10-02
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
debt reported on XX/XX/XXXX - {$3700.00} debt for unknown medical bill. tried to contact creditor and they could not tell me specific details for what ad when this was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed information with Equifax on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX act # XXXX 2 ) XXXX XXXX act # XXXX XXXX 3 ) XXXX XXXX XXXX # XXXX XXXX 4 ) XXXX XXXX act # XXXX XXXX 5 ) XXXX XXXX XXXX # XXXX XXXX Initial formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 2nd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/XXXX ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature  on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Equifax has done nothing more than " update '' information that is not/has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes. Therefore, there is NO POSSIBLE WAY that Equifax appropriately " updated '' or " verified '' the information they are reporting on my credit report. 
Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that XXXX is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I C SYSTEM XXXX Balance {$1400.00}

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 2020-02-11
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:
Tried to get verified information about debt that did not belong to myself or anyone in my family. Requested documents showing my signed name and They were unable to provide any documentation.

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 2017-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XX/XX/2014. to this day XXXX  & transunion reports the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now.

The current status should be reporting as Paid & Closed or Closed, not late!

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

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 2020-09-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up to CareCredit for a zero interest credit promotion for my daughters XXXX, the amounts that were suppose to be paid were suppose to be in increments that would equal the total cost of the loan by the end of the promotion but they set the payment amounts wrong without my knowledge, Covid-19 pandemic hit us in XXXX hard so they did not let me know what was going on, I was charged almost {$500.00} in interest on a XXXX  interest loan. When I called to explain the situation, they refused to help me. So to summarize, the payment amounts were set incorrectly without my knowledge, the promotion expired without phone notification, the payments were suppose to satisfy the loan at the end of the promotion. The Pandemic hit all of us in XXXX when the promotion expired, which was when the loan was suppose to be paid off with the correct installments that were incorrectly set without my knowledge. I already satisfied the loan, I just requesting a refund of the interest charges by mistake on this XXXX  percent interest loan.

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 2021-02-25
Company: Santander Consumer USA Holdings 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:
I am filing a complaint because Santander, XXXX XXXX  and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.

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 2021-04-25
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX I took out a 2nd mortgage, XXXX XXXX XXXX, for {$71000.00}. 
In XXXX They sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX sold and closed XXXX. 
In XXXX of XXXX I became delinquent, due to loosing my job. 
In XXXX of XXXX XXXX  charged off the loan, after telling me they were going to foreclose. 
They could not foreclose, because XXXX didn't assign the deed of trust to them. 
They turned the debt over the their collections dept, XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX sold the debt to Real Time Resolution. 
In XXXX of XXXX XXXX assigned the deed of trust to Real Time Resolutions, even though they did not own the loan, because they sold it. 
In XXXX of XXXX RTR substituted trustee to a law firm, who filed a note of default. 
They placed my home on a foreclosure websight for {$71000.00}, and for a fee they can get my address and drive by. 
I think it's illegal for the original loan agency to sell the assignment of deed of trust, 12 years after they have sold the loan. 
I admit I owe the money, but they don't have the right to my home of 30 years, since they obtained the deed of trust from someone who had already sold the loan. 
Legally they have a right to attempt to collect a debt NOT secured by my home. 
I want to keep my home.

Company response to consumer: Closed with explanation