BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XX/XX/2022, I logged into my Paypal account to transfer funds/pay my XX/XX/2022 rent. At this point, I noticed a discrepancy in my account balance. Soon following, I viewed 2 unauthorized ATM transactions totaling the amount of {$960.00}. 

Immediately, I phoned a Paypal representative & informed them that the 2 transactions [ see below ] were unauthorized & not made by me. 

XX/XX/2022 at XXXXXXXX XXXX XXXX  Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD XX/XX/2022 at XXXXXXXX XXXX XXXX Transaction ID : XXXX Payment Status : COMPLETED Payment Type : ATM Withdrawal Gross amount - {$480.00} USD The Paypal representative assisted me in placing the 2 cases in the Resolution Center. Also, he stated : I would hear a decision within 14 days. 

Dispute Case ID PP-D-xxx Dispute Case ID PP-D-xxx Approximately 5 hours later, I received an email stating both cases had been denied. Yet, the email stated no reasons for the denial. Nor did the email state any path to rebut Paypals findings. Instead, I was informed If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal Debit Card Department Attn : Dispute Resolution Please be informed : Seldom, I have used this card for ATM withdrawals. I have never withdrawn large amounts of money in odd amounts. Example ; {$480.00} [ twice ]. 

In both instances ; the ATM withdrawal times were inconsistent with my Paypal history. [ XXXXXXXX XXXX & XXXXXXXX XXXX ]. 

The transactions were unauthorized. And, I responded in a timely fashion. 

I am requesting a copy of the documentation used in the investigation of my case. 

I am requesting the name, address & phone number of your law firm and/or litigation department XXXX 

I am formally requesting the reversal/refund of the 2 previously mentioned transactions totaling {$960.00}. 

Denial of my claim will cause severe hardship. I will be unable to pay my XX/XX/2022 rent & may be evicted. 

It is my understanding that Paypal insures zero liability for unauthorized transactions. And, I hope that Paypal will honor this policy & approve my request in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-26
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX  placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for XXXX to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. XXXX was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to 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 2022-09-04
Company: SYNCHRONY FINANCIAL
State: MO
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:
This is the second time I had to do this with Synchrony BankXXXX XXXX XXXX Synchrony just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. Synchrony Bank even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in XXXX  years. If there is anything reflecting a balance it is not me. It is 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 explanation
Consumer complaint received 2019-04-19
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
There was an unauthorized transaction made on my bank account. The company Remitly Inc., sent money on XX/XX/2019 at XXXX for the amount of {$2100.00} XXXX. I log in to my account and immediately I noticed a transaction was being process without my knowledge. I immediately called them to cancel the transaction but after 20 minutes waiting to get their attention, they said it was sent already and they can't cancel it. I also called my bank immediately and asked to stop the unauthorized withdrawing from my bank account but it was withdrawn so fast. Called the receiver, XXXX XXXX in the XXXX to be aware of the erroneous transaction and let the local bank knows about it. 
I spoke to their manager XXXX and assured me that they will refund the money back. Talking to XXXX and 2 other people last XX/XX/XXXX and XX/XX/XXXX, they demanded that I have to ask my recipient XXXX XXXX to return the money with all the fees incurred and with lower exchange rate and I have to pay them so they can return the money to my bank, XXXX XXXX XXXX. 
I investigated and log in to my Remitly account and the sceen/page showed that I have not touched the SEND bottom to resend the same amount as my previous transaction. Please see the attached copy. 
This is my right according to their Remitly 's Error Resolution and Cancellation Notice. 
WHAT TO DO IF YOU WANT TO CANCEL A MONEY TRANSFER You have the right to cancel a transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel you must contact us at the toll free number or email address shown above before we deposit funds to a bank account or your recipient collects the remittance. 
When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipients account. 

I am seeking your assitance to this matter. I appreciate the help you can extend to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Ca XXXX Tel. No., XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: IN
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 three major credit bureaus are reporting a fraudulent collection account on my report and although I have supplied evidence that it is a fraudulent and malicious account, they have refused to remove it ; stating it as " Accurate and updated, '' -XXXX , XX/XX/2015. 

On XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX  and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was unable to make a determination of what, if any, amount was owed. '' Transunion still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN '' for 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: AL
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:
I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
First I do believe that all three companies do not make it easily accessible to obtain the free credit report, however, Transunion just makes it so that you have to buy their {$24.00} monthly monitoring in order to see your information. I tried multiple phone numbers and a handful of people ( all of them with conflicting information and it was very difficult to understand them clearly what they were asking me to do ). 

The XXXX  site when getting to the Transunion report just fails to authenticate ( does not ask the questions related to my credit history ). The other two sites do ask you to identify yourself. Transunion asks for e-mail and phone and then fails to authenticate. I also went to their XXXX for which I had a free account created years back. It allows me to log in and then I fail to authenticate for no reason. The only way to get my information online is with a credit card and {$24.00} monthly charge. 

The representatives have asked to e-mail to XXXX a copy of my driver 's license and/or passport as well as multiple documents such as credit card statements, etc. to what appears will not be a very secure address. This whole process is questionable and Transunion is not abiding by the regulations to allow me access to the credit information they hold for 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
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:
I was a victim of identity theft I did not open this account it is not mine I have no knowledge of this account and I have received no credit or equipment for this account it's a corporate account I did not personally guarantee it and I did not authorize it to report on my personal credit Business accounts on personal credit reports I'm not allowed unless there's a personal guarantee which I did not authorize in any way shape or fashion this company failed to notice the memo on my credit reports before issuing credit that says I was a victim of identity theft into contact me before issuing any credit under my name so therefore they are at fault for this as well so if this is not deleted are the five business days as it is required under FCRA in federal laws I will be filing arbitration in following Will be a swift litigation this is irreparably ruin my reputation make my credit my Bility to turn to grow in and operate in this tough economy and is causing great pain and suffering to my family of XXXX so under the provisions of the FCRA that protect me and state and federal laws and requested that this be immediately deleted I'm attaching my FTC report and all relevant data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When you answer the phone, no one will speak. When you call back it sends you to a full voicemail. I just received 4 calls in 2 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my consumer reports via XXXX and XXXX, and Experian gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.

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 2021-02-15
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my mortgage company ( Nations Direct ), put a {$4500.00} force placed flood insurance plan on my mortgage. The fees were to be collected and held in the escrow portion of my mortgage. After procuring and sending Nations Direct all the necessary documents proving my home doesn't need any such coverage, they sent me a letter on XX/XX/XXXX acknowledging that I didn't need the insurance, and I'd be refunded the money. Sadly, this didn't happen, They left the initial {$4500.00} charge in my escrow account as a negative balance, and applied the refunded overage charges to it. What they should've done, AND STILL NEED TO DO, is reverse the initial {$4500.00} charge to XXXX, then give me back the overage charges they've collected, AND ARE STILL COLLECTING! Finally, they need to recalculate my monthly payment to reflect the true cost of my HAZARD INSURANCE ONLY, which would be held in the escrow portion of my mortgage, AND QUIT SCREWING ME ARROUND!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2018 Please forward this to the Director ....

Good Day XXXX XXXX The recent news that the CFPB has opted to 'dial back ' the investigation of Equifax is inexcusable!

I am forever harmed ... repeat that I AM FOREVER HARMED by the Equifax breach. I can't change my history ; I can't change my social security number there is nothing I can do other than freeze my credit which I have done.

Do not let up on this probe, in fact it is paramount that the investigation perform a deep dive.

If criminal behavior is revealed, then the appropriate punishment, including time in a Federal Penitentiary should be included - even if it involves a high up Equifax executive ... that is probably influencing the diminishment of the probe.

Please do the job that we have entrusted you to perform and do it well.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my consumer reports via XXXX and XXXX, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and Transunion also.

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 2021-04-30
Company: National Credit Adjusters, LLC
State: TN
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:
On XX/XX/2020, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. XXXX creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, National Credit Adjusters has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is 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