BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I paid XXXX XXXX XXXX {$260.00} through PayPal to complete a business research analysis for me. XXXX   turned out to be a fraudulent company that advertises themselves as a company that employees XXXX XXXX XXXX to assist in XXXX level writing and XXXX work. Here is their website XXXX XXXX XXXX  I informed PayPal of the fraud within a few hours and PayPal stated they would contact the company. PayPal opened a dispute claim and yesterday denied the claim. PayPal should refund my money as XXXX XXXX XXXX is clearly a fraudulent business yet Paypal continues to allow the company to use their service. I also contacted XXXX XXXX XXXX who told me they would refund my money if I stopped my dispute with PayPal. I forwarded that message to PayPal who confirmed that if I canceled my dispute that a refund would be impossible. Another attempt by XXXX XXXX XXXX to defraud me. I respectfully request that you research this issue and compel PayPal to issue my refund and to also compel them to cease allowing XXXX XXXX XXXX to use the PayPal platform to defraud anyone else. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on XXXX and Experian. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

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 2018-07-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I initiated a rollover of a 401k to an IRA with the stated intent on taking a one time dispersement for a down payment on a home. I was sure to inform Wells Fargo of this purpose. I was told " a couple of weeks '' for the entire process to be completed. The IRA was created on XX/XX/2018. I promptly submitted the distribution form that same date at XXXX to the email XXXX as instructed with an expedite ticket number of XXXX. I was told it would be fully complete in 5-7 business days. I have had to make multiple calls with Wells Fargo agents unable to locate the form, unable to find the underlying account, and insisting I had to start the process over. In total, 10 calls have been made regarding this. On XX/XX/XXXX, at XXXX, I was instructed to resubmit the form to the same email above and it would be processed within 24 hours. This did not occur. In a call back to voicemail on XX/XX/2018, I was notified that in response to my inquiry they were unable to find any evidence of a submitted form. 

The continued delays, obfuscation, and inconsistent messages are materially interfering in my contractual obligations with the sellers of the home I seek to purchase. A closing date for the home has been delayed 3 times as a result of the incompetence and misdirection of Wells Fargo 's investment services team. This is my money. This should be a routine transaction that is common for 1st time home buyers. I insist they release my funds to me on an expedited basis. Any assistance in securing this result would be appreciated.

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 2021-02-21
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:
Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my second WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, I respectfully request a copy of this document to be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying you information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests I demand the following accounts be deleted immediately.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans union is reported wrong information on my credit report and refused to do anything with the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Select Resource Group
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call on XXXX/XXXX/XXXX from SRG legal outsourcing representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by XXXX via SRG. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company SRG. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This issue is regarding Chase Credit Cards online auto-payment management system. Unlike other credit card auto-payment management systems, which allow you to set-up a custom auto-pay amount, Chase limits you to choose between the minimum payment amount or the entire balance.
You can make an additional payment on top of your auto-payment, but this defeats the whole benefit of auto-pay to begin with. The benefit of auto-pay is to set-up an auto payment plan to payoff your card in a set amount of time, without having to log-in every time you want to make a payment, limiting chances of missing or late payments.
I believe Chase intentionally limits your auto-payment selection amount to force you to choose the minimum amount and then counting on you to forget to make additional payments, thus paying more interest on the card for a longer period of time in an effort to make up for lost revenue from late payment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: MD
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:
Account has been paid off since XXXX of this year but its still reporting on my credit and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: NY
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 allege account was disputed with allege original creditor XXXX XXXX and they failed to validate this debt. I sent letter disputing this allege account requesting all documents and contracts XXXX  has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. it is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX has failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Ignite Revenue, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an unsolicited credit card from Ignite. My understanding is that this is an illegal practice.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-31
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I spoke to someone regarding the purchase of an item. We reached an agreement and I sent him {$200.00} on the popular app, Cash App. After I sent it, he never replied and blocked me. This all happened XX/XX/19 from XXXX XXXX to about XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

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 2021-02-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
its now been more then 45 days with no response. i sent in a letter on XX/XX/XXXX and XX/XX/XXXX with failure to validate negative accounts which are defamation of my character. also no response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is directed to Mr. Cooper Mortgage LLC. Thanks to your efforts, XXXX mortgage disclosed that our mortgage payment we made to them on XX/XX/2020 was inexplicably reversed and sent to my new loan servicing company, Mr. Cooper, on XX/XX/2020. Mr. Cooper never applied the {$1500.00} payment to our mortgage. I have called and messaged Mr. Cooper several times with copies of the documentation including the confirmation that they had received the XXXX delivery of the money from XXXX. I have still not heard what happened to our money. They initially denied they received the money from XXXX and it took me a while to have XXXX provide documentation that this transfer had been completed on XX/XX/2020. The payment has not been applied to our loan or refunded to us as of today nor has Mr. Cooper been responsive to our repeated requests for information about the money. In addition, our credit has been adversely affected with 30 day late payments reported to the credit bureaus and this needs to be reversed as not only did we make the payment on time, we also made an additional payment in XXXX to cover the payment Mr. Cooper lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  sent me to collections and this is not my debt it is my brothers I tried disputing the item and it was deleted by XXXX then when I disputed it with XXXX  they did not delete the item in question XXXX XXXX took 30 days to investigate and XXXX  only took 2 days I wish to have this item deleted because it is Affecting my credit and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me XXXX Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2019-11-16
Company: RCS Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Im currently in litigation with RCS Recovery Services for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, XXXX XXXX, received an overage on the note due to them. RCS will never get a dime from me. They are liars and are harassing me for money that is actually owed from XXXX who took the property. Banks not paying each other is not my problem.

Company response to consumer: Closed with explanation