BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
PayPal continues to put my withdrawals from my PayPal balance to my confirmed bank account on hold for indefinite periods of time, without any notice as to the time it will take to complete ( or at least a timeline that proves accurate ), with no way for any human at PayPal to resolve it. The money I have in my balance was needed to pay my bills, and now, I will be late paying them, as PayPal has decided to pad their accounts with their users money in an attempt to gain as much interest on their money as possible before deciding, at their sole discretion, when their " security '' checks are done, sending the users ' money to their account. 

A call to PayPal lead to poor customer service, and upon asking for a manager, I was put on hold for nearly 45 minutes to wait for a manager, who pointed towards an obscure part of their user agreement as reasoning for this, and that no human can/does actually review the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this account is reporting under different names but same account they have not been able to verify this debt but reporting to credit bureaus that is right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought vehicle from XXXX XXXX XXXX, in XX/XX/XXXX, through the XXXX XXXX XXXX SANTANDER CONSUMER USA!. I have paid XXXX to this date, my payoff is XXXX dollars to this date, XX/XX/XXXX. I financed XXXX, I am being charged almost 27 % interest! they misled the cost and the terms of the auto loan, they are crooks. I do not appreciate being taken advantage. I have had problems with keeping up with the loan, due to the high fees and interest rates. my car has mechanical problems, and I am forced to fix it, I can not trade this vehicle in, because, I am extremely negative on the equity. Please help me and many others who have suffered enough. I need a running vehicle for my family and myself. I am also very frustrated, because they hid things that were not supposed to be hidden. Thank you-m.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery mailed a collection demand to the XXXX XXXX sheriffs department at XXXX XXXX XXXX XXXX wisconsin which divulged information regarding my debt to the sheriffs department. Portfolio Recovery also discussed my debt also with a third party agency without my authorization, all of this information is in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage matured XX/XX/2020 the start of Covid-19, I submitted several applications to modify my loan and sent payments, payments were returned and modifications were denied. My balloon payment is XXXX, XXXX, and the company will not help me or modify my 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 explanation
Consumer complaint received 2020-10-30
Company: Paypal Holdings, Inc
State: NE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used PayPal to purchase an annual subscription to XXXX in transaction ID XXXX for {$60.00} to XXXX for XXXX XXXX. I reached out to the seller who said they updated their application on my XXXX XXXX. and due to a technical issue on their end my account could no longer be accessed. In an email, which I shared with PayPal, they advised me to cancel and start over. On XX/XX/2020 I opened dispute Case ID : XXXX for Item not received. 

Since then I have had numerous phone conversations with PayPal and been repeated asked for supporting information as the buyer which I have provided. The seller has not been asked to provide information or respond to the case. This is clearly an item not received dispute which should have resulted in a full refund as advertised by the seller and with no seller response to the Case. This has gone way beyond any reasonable timeframe for a refund and I fully expect PayPal to comply with the seller 's instructions to me and cancel the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax in unwilling to give me a copy of my report although I have been told there is negative information contained therein and I have not requested a copy in well over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was a XXXX internet user, my account number was XXXX. 
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment. 
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of. 

However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}. 

I called the XXXX  to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX   over Phone using my credit card. 

How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment? 
I would like to file a formal complaint of negligence against XXXX. 


Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: PA
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 uploaded additional documents also have a Identity report they still refuse to remove information off my credit report I have no knowledge of these accounts and its hurting me to apply for 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 2018-03-01
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: Account status incorrect

Complaint:
experience and XXXX are reporting a charge off that is 9 years old.

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 2022-08-06
Company: M. G. Credit, 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, MG Credit Account # XXXX, violated my rights. I have never done business with MG Credit. MG Credit illegally reported invalidated information to my XXXX report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong 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 2020-10-30
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. 
I have no other reason but to believe that I am a victim of Identity Theft, I am dealing regarding Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently received some medical collection letters that I have not idea why I am receiving them. COMMONWEALTH FINANCIAL SYSTEMS , INC, was recently removed from my credit report because I include them on my previous dispute with the Credit Bureaus, unfortunately they still sending letters trying to collect on me, I do not recognize the alleged account with XXXX XXXX XXXX, XXXX, the account does not belong to me, please stop further collection activities. I am hopping that this complaint will resolve this matter, for reference I am uploading the previous package I submitted to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: FCC Finance, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
^^^^^^^ Dear the " '' governor '' ''. I am **XXXX XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-07-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contacted Equifax several times about not reporting my accounts. Most of my accounts have not been update or lated reported since XXXX of XXXX and XXXX of XXXX. Each week I try to get a free copy of my report online and always denied access to it. Also I did not apply for a mortgage, a recent inquiry for a mortgage company was added to my report which caused my score to drop 51pts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hello. I am reaching out because I have a previous Cash App account and a current cash app account. My sibling sent money to my old cash app. She is unable to receive a refund via her own cash app account due to their fine print when making the account. As I am attempting to regain access to the old account, I am not providing the correct information to confirm my identity or so they explain yet I have sent my full name, social and address PLUS everything they asked for step by step. They explain they can ATTEMPT to access my account again but if unsuccessful, I can not have access to the old account, new account AND she will not receive her money. I explain I do not want to even take the chance to risk it because clearly any information I provide will be denied and then I will be told you were explained we were unable to do anything further. Their customer service answer is copy and pasting the rules they have sent over and over as if I can not read. I ask for upper management and I am told there isnt any. I insist my legal team will reach out and THEN they have a manager reach out via customer service but in email. They are denying me access to the money and denying refunding her the money even though they can see and move the money ( they explained they can TRY to send ME the money but IF unsuccessful then I will lose the money ). After hours of going back and forth explaining they are not providing proper or legal service and will have my legal team contact theirs and explain I was making a report to the CFPB, THEN they send me the money to my new account from my old account WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX Direct Recovery Services called my sister and left a very detailed message concerning an account pertaining to me. They gave her my name the amount of the debt owed and the options I have to settle the matter. This was right after they called me and left the same message @ XXXX, they called her number shortly after. They provided my account number as well as my zip code. This is concerning simply because that number could have been changed and belonged to anybody. But their system is designed to call and leave a very detailed message about clients. This is unacceptable and very intrusive to my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently requested to have my escrow account on my mortgage with Wells Fargo closed after I noticed they paid an insurance premium that was triple than what it would normally be without informing me. Wells Fargo acted completely irresponsibly in not notifying me of the increase and denied my request to close the escrow account using an incorrect and outdated value of my house as a defense. I changed insurance companies and paid the new much lower insurance premium myself but Wells Fargo is still charging me a higher monthly payment for my escrow account and is refusing to close and let me manage my own insurance and taxes. I have been a WF customer for over 10 years and have not had a single missed payment. This was far from the first issue iv had with the bank. It is clear the bank does not value its customers and has no interest in maintaining a relationship with them.

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 2018-04-02
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with Experian, XXXX, XXXX. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to Experian Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at XXXX neither companies.

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 2020-10-30
Company: Sarma
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CEASE & DESIST and dispute of XXXX XXXX XXXX  acct ending in XXXX and XXXX This letter is in response to the phone calls and letters I have been receiving from you. According to the Fair Debt Collection Practices Act, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or at any other location. Further, this XXXX account is not my responsibility, allow me to say that again, you are attempting to collect from me a debt I do not have any legal obligation to pay. Now that you have received this Ceasing Communication letter, in accordance with the federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will be taken. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming there will be no further contact and except notification of a specific action you intend to take, is in violation of the Fair Debt Collection Practices Act. I am also aware that any contact you make to a 3rd party concerning me is also in violation of the Fair Debt Collection Practices Act, specifically Section 805 ( b ) 2. Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
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:
Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.

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