BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. There was never any problem, but this happened out of nowhere which really effects me negatively. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: Experian Information Solutions Inc.
State: OH
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:
After pulling my credit report, I found inquires that were not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-07-05
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: Account information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 XXXX XXXX page 7 of 18 should not be showing on my credit report and there is a letter from XXXX XXXX attached is the letter from XXXX XXXX I have not had a copy sent from XX/XX/18 as to updated creditor been deleted/removed from my credit file.

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 2019-04-23
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never set up accounts with XXXX. In fact never had a XXXX ever in my life. False fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter about the inaccurate information on my credit report. I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ) states that failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted immediately. Please help 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 2021-02-28
Company: American Credit Acceptance, LLC
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:
I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Closure of XXXX XXXX XXXX accord XX/XX/2016, I was enrolled and was unable to complete my degree due to the closure for lack of other words they frauded students. they have defrauded U.S Department of education at my expense and have been trying to get my loan forgiven/Discharged and have submitted a borrowers defense application # XXXX since XX/XX/2016 and the servicer great lakes is accruing interest since then as I wait for the U.S Department of Education to complete my application with a final decision as I have on my credit report Federal student loan that has cause me to not be able to purchase a home or get credit. We are not coming up to 5 years and just get run arounds as I'm compassion with all the students that have been affected by XXXX, but when calling the U.S Department of education are not able to inform me of a time frame for a decision and felt as if they are withholding information and do not want to come to a decision that is hurting thousands of students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 PNC charged me an NSF fee, after illegally returning a check that cleared and posted to my account on XX/XX/2020, and further misrepresented the way their product Virtual Wallet works. 

Please see attached documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted XXXX XXXX XXXX ( SLS ) in XX/XX/XXXX timeframe about a request to increase my escrow due to my county taxes. I have been exempt from paying county taxes since XX/XX/XXXX when I was deemed XXXX XXXX XXXX XXXX by the Veterans Administration and submitted documents to XXXX County Treasury Land accessory office. They have sent and their request and as you can see on page two that they have claimed to have paid those taxes. I spoke with the County office they stated they have not received any tax payments. They have not provided any proof of these payments till today. They are receiving my monthly payments thru their Bankruptcy department and they are receiving {$750.00} monthly Chapter XXXX payments to pay down past payments. I did not pay XX/XX/XXXX or XX/XX/XXXX awaiting their proof of tax payments but no reply to my letter request. My Attorney  XXXX XXXX is of very little help, as it took over a year to get my Chapter XXXX actually approved due to his lack of submission of proper documents to the court and errant amounts submitted to the court. I earnestly need your assistance in getting this resolved and the amounts paid supposedly to taxes should be removed or put towards my principal of past due amount to get this cleared. This company is known to try and pay past taxes on house then put house in default to take ownership of house to resell house and make company a profit. I will be making extra payments for XX/XX/XXXX and XX/XX/XXXX payments next week and each week until paid in full by end of XX/XX/XXXX, at the latest!

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 2021-02-28
Company: American Credit Acceptance, LLC
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX I co-signed for a car several months ago for my daughter XXXX XXXX. Due to Covid-19 my daughter and I have been furlough from our jobs, unable to make payments on time. 

We were informed that American Credit Acceptance should not be reporting to the credit reporting agencies as delinquent, which they have done since this pandemic started. 

We took a loan out to catch up on payments and would like to have my/our credit score corrected from the time American Credit Acceptance reported delinquent. 

Thanks, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeat calls and messages to return call about a debt to bull city financial. I owe nothing to anyone, never charged anything etc. Maybe they have the wrong number and or person but they need to stop especially since I'm on the no call list. 
Number calling is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I transferred a total of {$2000.00} through XXXX that is backed by my bank, PNC bank. 

It turned out that it was a scam and when I went to PNC Bank to report the fraudulent transaction, they told me that there was virtually nothing the bank can do and for that matter, XXXX as well because it was a peer to peer transaction. 

However, I believe this to be an unfair practice because the website for each entitty, does a poor job in disclosing what type of fraud transactions it will protect and not protect. The one thing each entity does well is make a consumer feel that their transactions are very secure since they are backed by the bank ( s ). 

At some point, the banks need to be held accountable for this unfair and deceptive way of advertsing in this virtual world of financial transactions. 

XXXX should be investigated and be held accountable as well cause they have a weak security system, making it very easy for scammers to steal money from victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Dear Madam or Sir, I have refinanced in XXXX and the loan servicer is Wells Fargo Bank since XX/XX/XXXX. I have my account with them ending XXXX. Wells Fargo setup an escrow account for property taxes. I have tried to contact them for managing my own property tax but they declined my request stating the reason is that I do not have long enough history with them. 

As of XX/XX/XXXX, I have checked my parcel number on XXXX County Property Tax payment website, and realized that the updated property tax was reduced from {$4200.00} in XXXX to {$3600.00} in XXXX, and my escrow account balance has already exceeded the semi-annual payment amount. However, Wells Fargo escrow account has been charging me the old monthly due since XXXX. I have contacted Wells Fargo via email and phone call on XX/XX/XXXX. The customer support has reassured me that they have run a escrow account check and I should see my account updated within 2-3 business days. 

Now as of XX/XX/XXXX, Wells Fargo is going to auto charge me another month 's due, and the balance and amount is still not changed. I'm really disappointed at this business practice when, as an individual loan payer can easily see the amount due on government website whereas a big bank like Wells Fargo is continuously over charging me. I would consider this is a fraudulent business practice that takes advantage of homeowners during COVID, and aggravate the financial situation for people that have to put through during this special time. If this practice happens to many people, Wells Fargo is essentially profiting from people involuntarily depositing excessive amount of escrow due into their accounts. 

I would appreciate this can be investigated and resolved in a timely manner, for many people might be struggling to making the over charged payments. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, gave me XXXX letters of release stating the debt wasn't mine XXXXn and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last XXXX years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is XXXX ( XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

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 2018-02-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a XXXX during football season and it was pretty bad. During my recovery process I wasnt able to receive any income and I struggled paying for anything. Due to it being my sr year that was it and I was kicked into the real world I couldnt apply for any jobs due to my constant XXXX. Im doing better now I recently spoke with the company and explained my situation I even set up payments for the next 6 months I just want the late payments removed from my report because its making it very hard for me to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CL Holdings LLC
State: HI
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:
I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Problem with personal statement of dispute

Complaint:
I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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