BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paypal advanced me money for use in my business around XX/XX/XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XX/XX/XXXX. In XX/XX/XXXXpaypal reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XX/XX/XXXX paypal reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. Paypal continued to reachout to me and I told paypal that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XX/XX/XXXX ( XX/XX/XXXX ) I received a letter from XXXX XXXX , XXXX, with the acount # XXXX asking for payment of $ XXXX.for paypal.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for paypal and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to Paypal in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2021-09-04
Company: EQUIFAX, INC.
State: OH
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 sent you a letter requesting that you re-examine the wrong and incorrect information in my file, but your re-examination does not address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was improperly served a summons to court at my rental property to a tenant. Then I filed a court document to stay them off that I had to pay XXXX or something to file since I was out of town for the court date. They gave Resurgent Capital Services a default judgement even though I followed legal docs on time Claiming they didnt have anything. It was delivered to the court before the court date. The amount of the judgement is as shown in paper attached file. XXXX. After getting the judgement I phoned attorney XXXX office and spoke to Resurgent prior to filing and XXXX office offered me a payment plan of XXXX a XXXX until paid off. I accepted and have my bank debit permission. Later I found out on my credit report that they say I owe XXXX or so dollars after deducting XXXX. The initial line of credit for the XXXX account was only XXXX Why are they allowed to charge sick usery overcharges for no reason and without proper notice??? The lawyers at resurgent claim its allowed when I contacted them. Please make them change it to the original amount. Please see attached doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Barclays keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account numbers XXXX and XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

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 2023-06-26
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 I sent out a letter to sent proof or validation of the debt to both Transunion and XXXX XXXX  and I still havent gotten a response from either party or any proof of validation.

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 2019-07-30
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019at approx XXXX XX/XX/XXXX, I withdrew {$400.00} from the ATM in XXXX XXXX XXXX, and that the machine glitched because i had organically asked for {$600.00} but was denied ( was not on the receipt they sent me ) the ATM is owned by US bank, the money was never dispensed from the ATM machine, I filed a complaint with my bank XXXX, and they investigated, after the investigation US bank showed a receipt that the money was dispensed but it wasn't. anyway I asked them to check the video, after getting the run around of who has the video and speaking to to someone at Ballys, US bank, who said they dont have access to the cameras, HOW DO YOU NOT HAVE ACCESS TO THE CAMERAS?????? to check and see that the money didn't come out, anyway after all the phone calls and writing to a few places that was recommend by better get XXXX from XXXX, I have now been sent here. since nobody seems to be able to help me, which i find ridiculous, even when I spoke to someone at US bank he said he doesn't know if they can even access the cameras, UNREAL hopefully u can help me resolce this issue, I have since been back to XX/XX/XXXXXXXX and have withdrawn money from thier ATMs with no problems.

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 2022-02-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo Blocks my bank Account so XXXX XXXX Wont work XXXX XXXX may Work fore 98 % Of Wells Fargo Customers and Wells Fargo Block XXXX XXXX use fore Anyone the bank Docent Like Wells Fargo Block me making XXXX XXXX Money transfers then Wells Fargo Says that Wells Fargo is not responsible fore 3rd Party Bank Machines that dont work with My bank Account that is Blocked by Wells Fargo and XXXX XXXX may Work fore 98 % of Wells Fargo Customers 4 years Im a XXXX in Foreign Countries like XXXX is {$110.00} Dollars max ATM Withdrawal with {$10.00} Dollars in bank Fees and XXXX XXXX Transfer transfer {$2500.00} dollars fore {$6.00} XXXX XXXX Askes fore my Online Banking Wells Fargo User name & Password Wells Fargo Denied then 5 Minutes later the XXXX XXXX Transaction works with XXXX XXXX I enter my XXXX XXXX Online User Name and password and XXXX XXXX Works I contacted XXXX XXXX says Wells Fargo is Blocking the XXXX XXXX Transaction is Blocked by Wells Fargo is what XXXX XXXX Customer Service told me XXXX XXXX 500000 Agent locations worldwide XXXX XXXX probably Work with All Countries online Banking and XXXX XXXX docent work fore me because Wells Fargo Block my bank account almost all my Online banking is blocked by Wells Fargo I complained a Wells Fargo Bank Teller might have Robed me then Wells Fargo Fraud Department Refuse Two File the Complaint a Wells Fargo Bank teller Robed me and my only and Next 20 Trips Inside a Wells Fargo bank all of my 20 Cash Withdrawals a Bank Teller had two Verify me 3 years Wells Fargo Block my Wells Fargo Credit Card wont work with 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 2023-08-14
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being double billed for my XXXX XXXX XXXX deductible. 

Originally, I paid the 2023 deductible of {$220.00} when XXXX XXXX were dispensed to me on XX/XX/2023. Paid via a credit card. 

I am now being billed again for the XXXX XXXX XXXX deductible for clinic/doctor services provided through the clinic. 

I have had 11 phone conversations with patient financial services from XX/XX/XXXX through XX/XX/2023. Additionally I have sent written communication via USPS three times in XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
RE : XXXX for Title Max - I received a collections call today, XX/XX/2019 from Title Max collections department claiming that they were authorized by TMX paralegal XXXX XXXX because she has not received any of the official legal documents from enforcement or other authorities validating my claim of ID Theft ( no money in the bank ) and my need for a hardship consideration and payment arrangements. Her dead line to receive these documents was stated in her XX/XX/2019 letter was due by XX/XX/2019. I faxed all document on XX/XX/2019 ( w/ fax receipt confirmation ). I did email these very same documents a week or so prior to the letter and fax request by XXXX but was informed that Title Max legally could not accept emailed documents only faxed or mailed hard copies. The fax contained 7 pages including police report and affidavit and the letter attached to this CFPB online follow up for Title Max.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

EXPERIAN : 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 2018-07-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm writing because I applied for, and was approved ( XX/XX/2018 ) for a  Chase Slate credit card with a credit limit of {$4000.00}. I received my card in the mail XX/XX/2018. My card offered a 0 % interest for 15 months and offered a balance transfer with the same interest rate. I transferred a balance ( {$1100.00} ) from another card as my first major transaction. I then called Chase and notified them that I would be traveling with my family on vacation to XXXX and XXXX. I used the card for dinning while with my family in XXXX. Once I returned from my vacation, I received a letter from Chase 's Executive Office in the mail dated XX/XX/2018 stating that they are closing my account XX/XX/2018 " because continuing the relationship creates possible repetitional risk to our company. '' I called the phone number listed in the letter ( XXXX ) XXXX, no one could tell me why Chase was closing my account and could not provide me with any additional information. I called the number several times thinking that someone would eventually be able to provide me with a detailed explanation, to no avail. I have checked my credit report with all three bureaus, there is nothing that reads negative on my report. All of my accounts are current and I have no collections, etc. I even tried going into a Chase bank branch, they said they couldn't provide me with any details. I WOULD LIKE TO KEEP MY ACCOUNT OPEN, and would like to build a long-term relationship with Chase. Can you please help me? If there is something that is of concern, I would like to know, so I can address the issue or resolve any problems that I'm not aware of. Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a used vehicle XX/XX/2015 and made XXXX of the XXXX payments required to pay off the car unfortunately the vehicle fell apart literally and could not even be traded in toward the purchase of a new vehicle from the same dealership WITH THE SAME FINANCE COMPANY. I voluntarily surrendered the vehicle in XXXX XXXX my credit report actually showed this information. I requested a current report as suggested in COVID19 and found that the car is showing as VOLUNTARY SURRENDER THERE MAY BE A BALANCE DUE : FIXED RATE AND THAT THE STATUS HAS BEEN CHANGED TO 90-119 DAYS LATE. JPMCB auto finance has sold the balance and once again trying to charge even more money for the car. WHICH THEY PICKED UP AND SOLD AT AUCTION- the payment when I had possession of the car was {$280.00} monthly my credit report is now showing {$790.00} PAST DUE ON A VEHICLE I NO LONGER ON AND WAS RETURNED TO THE COMPANY AS REPORTED BY JPMCB AUTO FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a house in XX/XX/XXXX, using cash from my retirement account and a loan from a friend. I intended to get a mortgage to replace the funds and repay my friend 's loan. I applied in XX/XX/XXXX to Quicken Loans through their Rocket Mortgage division. The first person I talked to, XXXX XXXX, did an initial evaluation, asking a bunch of questions. One of the many questions XXXX XXXX asked me was whether I 'd been in the house for six months. My response was No, I 'd been in the house FOUR months. 

After answering her questions, XXXX XXXX passed me off to someone else, whose name I do n't recall, but who was a Loan Processor. He asked me some of the same questions as XXXX XXXX and sent me a rate lock-in agreement, which I signed and returned as instructed. He said I had to get the house appraised and the cost was {$500.00}. I agreed to the appraisal and paid the {$500.00} and signed the Deposit Agreement. In the meantime, the processor sent me the usual mortgage application documents. 

A few days after the appraisal was completed, the loan processor called me and said hed just discovered Id only purchased the house four months ago, and their company required the applicant to live in the house for a minimum of six months before refinancing. So, I was informed, they were unable to proceed with the refinancing. I argued with the processor that they shouldnt have made me get an appraisal on the house since it was already pre-determined there wasnt any way Id be able to get the mortgage. I felt they cheated me and played dirty. I asked him if this bait-and-switch was the way they just another revenue stream for them. A few days later, I received a letter from XXXX XXXX, stating they just wanted to remind you [ me ] of the reasons why we are unable to help you with your loan at this time. They went on to claim the reasons were related to Collateral ( Title Issues ) : liens, judgments, vesting. 

The letter was a total lie and I didnt appreciate being lied to. I demanded my {$500.00} back and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Reporting company used your report improperly

Complaint:
I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX as well as the number of Auto Inquires. 
The address was incorrect on paperwork. The contract was written on and never emailed the actually contract that was asked for.

I have all documents and police reports .....

This is effecting my 3 Major credit finance companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx 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