BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$16000.00} -This Charge off account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

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 2020-01-24
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've tried to resubmit information for an income-based repayment plan but the website keeps getting an " error '' and I'm unable to submit the proper information. 

My student loans jumped from {$150.00} to {$270.00} to {$670.00} dollars in the last 4 months. 

I understand that I believe I was on an income-based repayment plan but Navient must think I'm making more money. 

I'm currently working part-time and not able to afford a $ XXXX  monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$740.00}

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 2019-09-27
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I accidentally purchased tickets for a show at XXXX via a third party website with no affiliation with the show venue or promoter called XXXX. 

These tickets were to be willcall at the XXXX box office for the day of the show, and I had paid {$340.00} for the tickets to this third party. This would not have been an issue for me if the tickets were willcall as expected. 

When I got to the box office at the show, there were no tickets waiting in willcall at the box office. Dismayed I asked the attendant to look again who happened to ask for our email receipt to pull up the tickets. We pulled up the email and showed the attendant the receipt who informed us that they did not have a relationship with that company and to dispute the transaction with the payment issuer. We then had to purchase 4 more tickets for {$110.00} with tax. 

Fortunately for me I thought, I bought the tickets through PayPal so I could dispute it then and there. So while I was at my evening of XXXX XXXX and XXXX XXXX, I logged into PayPal on my phone through a web browser and disputed the transaction. Paypal 's dispute module does not let you upload supporting documentation after the fact to find out, so the only thing they had to go by was the statement I put in the dispute where I happened to mention the price difference ( which in MA is an illegal markup ). 

PayPal took until XX/XX/XXXX to review and deny my claim in a matter of 6 minutes with no explanation. When I called PayPal to find out why the representative told me that I was uneligible for the fraud dispute because I mentioned the price disparity and seller claims the tickets were delivered. 

I offered to provide to PayPal my supporting documentation which included the purchase of replacement tickets, the sworn affadavit from the venue about the fraud, and the original email about willcall tickets. 

The representative at PayPal refused to let me email or provide the documentation, and only was able to reopen the ticket. As stated before, PayPal doesn't let customers add to tickets when documentation is available after the fact, but I figured this time they may reach out to me for it again. 

Today at XXXX outside of Paypal 's calling hours I received yet another denial notice about my claim with no additional request for documentation. 

At this point I think there is no further recourse between PayPal and myself short of small claims court. And I would really like to avoid having to miss work and be out more money to get my money back. Paypal 's fraud protection service did not work as advertised and is not fair to customers who use their service. 

PayPal transaction # XXXX PayPal claim ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been contacted about an account that is over 4 years old. They threatened to sue and garnish wages and even contacted my employer and friend. 
On XX/XX/XXXX a locator contacted me and left a voicemail about a case against me for supposed fraud and breach of contract for XXXX XXXX XXXX. After not being able to reach me, this same locator XXXX XXXX contacted my job and a friend of mine telling them to contact me. After receiving voicemails from the 3 of  them, I contacted XXXX to determine what the issue was. The agent said it is in reference to a XXXX XXXX account ( that had been closed since XXXX ) and prompted collection of the alleged amount owed or I would have to appear in court. After doing my due diligence to find the account on my credit report, it shows the cash central account was indeed closed and listed {$0.00} as a balance. However, this company is claiming I owe {$1200.00}. A complete validation letter has not been given to me. The collection account is not on my credit report and the collection agency did not have my address on file or gender correct in the correspondence I did receive. This company seems like a scam. I almost fell into the trap before researching SC 's statute of limitations laws and looking into my credit file. The " validation '' letter they emailed me clearly does not even contain all of the required information. Even after sending them cease and desist letters In XXXX via email and postal mail they continue to contact my relatives in an effort to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CURO Intermediate Holdings
State: CA
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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX @ XXXX EST I spoke with XXXX  at SLS ( Specialized Loan Servicing ) & requested a copy of my complete mortgage payment history on my account. XXXX advised me that it would take them 1-3 days for them to process the request & 7-10 business days for me to receive it. On XX/XX/XXXX @ XXXX EST on my THIRD attempt ( transfer/disconnect on 1st try, transfer/transfer/on hold forever on 2nd try ) to speak with someone @ SLS to find out the status of my request I finally spoke with XXXX ( ID # XXXX  ) who advised me that on XX/XX/XXXX the document I requested was mailed. On XX/XX/XXXX@ XXXX EST I called again & spoke with XXXX ( ID # XXXX ) and advised him that I still had not received the document he advised was mailed on XX/XX/XXXX. He advised me again that it was mailed on XX/XX/XXXX. I told him that I want another request put in to mail me my complete mortgage payment history & I want to speak with a supervisor. He put me on hold & told me that he has escalated my request to a supervisor ( XXXX ) as well as that department ( sometimes SLS refers to it as the customer resolutions dept & other times SLS refers to it as the customer support dept ) & will have them re-send. He advised me to call back tomorrow before XXXX   EST ( XXXX  would be leaving at XXXX their time ). On XX/XX/XXXX @ XXXX EST I called & requested to speak with XXXX in the customer resolutions dept. I explained to XXXX ( ID XXXX ; XXXX   works for National Bankruptcy Services - she advised me that this company answers all of SLS 's calls & try to help people as far as they can ) that XXXX sent an email to XXXX & I want to speak with XXXX. XXXX  advised me that she would put me on hold & would check on me periodically to make sure I was still there until she got a rep from SLS on the line. The next person who got on the line was XXXX, I explained to her that XXXX sent an email about my situation. XXXX said she works in the customer support dept & that the only XXXX is in her section. She said she would walk over to see if XXXX was available. When XXXX returned to the line she advised that XXXX was in a conference & not available. She advised me that XXXX told her to let me know that she would call me back by the end of the day. I advised her that if I did not hear back from XXXX  by the end of the day I would be filing a complaint with the CFPB ( your agency ). I have since given them THREE more days to call me back & to date, no calls & I still have not received the requested document in the mail.

I have the phone calls from XX/XX/XXXX & XX/XX/XXXX recorded on an app called callX

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 2020-11-16
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

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: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Netspend Visa prepaid card ( XXXX ) was never activated, after speaking with a Netspend representative I was informed that Netspend would not activate said Visa prepaid card. This refusal to activate the Netspend Visa prepaid card was not clear of the exact reason ( s ). So, at which time, I demanded that Netspend return all funds immediately since Netspend refuses to activate the said card. I've spent {$100.00} ( load ) + XXXX ( purchase price ) = XXXX. At this point, Netspend has carryon as gangers on this refund, that is to say, it has been hard to get a representative over the phone ( to get status of my refund ) and I have yet to receive my fund.

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 2020-01-24
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be 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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX XXXX ACCT XXXX, Ive never had an account or visited XXXX XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my 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 explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, i was a victim of identity theft. I never authorized the following inquires on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. I recently changed all my passwords and stuff online to avoid this from ever happening again. I was told by a friend to come to you guys since i was getting the run around. When this first happened back in XXXX XXXX XXXX  had agreed to remove the inquiries. I will show a picture of my transunion report which is showing all this and my XXXX which removed all of it since it is inaccurate and was never authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
My vehicle was totaled on XX/XX/XXXX, and I received a letter from the bank ( XX/XX/XXXX ) giving me 60 days to pay off the balance between what was owed and the insurance settlement ( no gap ins ). 
I called the to explain I was waiting on the warranty refund, and was told it would be sent directly to them. The bank said I needed to continue to make payments, and they would " work with me ''. I received statements for XX/XX/XXXX, XX/XX/XXXX, and payments were made accordingly. When I received the warranty refund it was sent immediately, and the bank received XX/XX/XXXX. 

I did not receive a XX/XX/XXXX statement, so I called the bank again to check the balance, and it was XXXX. I sent in the payment, and the bank received XX/XX/XXXX. 

I exceeded the date of the letter by 2 weeks, and the charge off was issued XX/XX/XXXX. 

My disputes filed with the reporting agencies yielded no change in the adverse credit entry on my report. I have also written the bank directly - no change

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: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been attempting to Steal money from me since 2016. In 2016 I purchased a riding lawn mower and a leaf blower from XXXX. Both items were defective and therefore I immediately contacted the company, they stated that it was no longer their problem and to speak to my local dealer to " see what they can do ''. After months of going back and forth I decided to return both items, And I did. I submitted two CFPB claims during the situation in 2016 ( CLAIM NUMBERS : XXXX and XXXX ). Now XXXX years later this company is again trying to take money it is not owed by sending it to a collection agency. This collection account is false and can be considered fraud. I will not be paying as I returned the defective items they refused to exchange or repair for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PNC Bank N.A.
State: KY
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:
PNC credit card, During the Covid-19 crisis I was forced closed by my state ( KY ), I am a XXXX XXXX XXXX  I was forced to close fromXX/XX/2020PNC said they were extending COVID Relief I called in and took advantage of the relief immediately once I became without income. Bc of an error in my states system ( Ky ) I did not get unemployment check until XXXX so I was literally with out income for nearly 3 months. Ive had this card for 15 years and have always paid everything on time. Obviously this pandemic had everyone in a place theyve never been. Discovering recently that in my credit report it shows non payments during this time although I called to notify them I was without income. Ive had credit for the better part of 15-20 years and have always paid and taken care of my obligations and the one time I need a helping hand from a Bank that I have paid multiple loans off with I get no such helping hand and they are trying to hide behind some kind of technicality, like gotcha. Its disgraceful and unbecoming of a business relationship. Im XXXX years old and have a wife and XXXX kids. We are a single income house. My wife stays at home with our kids. We own a XXXX XXXX and  take responsibility of my finical obligations, obviously Covid put us all in a very untenable position and I think these financial institutions should be able to hide behind red tape especially when people reach out to them to let them know what was going on and hat I was without income. Bc of all of this, I cant get a mortgage to buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was told that I was approved for an loan with LendingClub. I submitted my documents multiple times to them they said needed my bank statements ; I informed the reps that my account just got hacked so I had to open another account.I called over 70 times was told something different everytime which was very confusing. 
I went to my bank waited for over an hour to get bank reference letter which did not have any bearing on the approval.Lending Club had my income documents for an whole week if they were not going to approve why keep leading me on as if I was. When called in final time I told them was contacting the CFPB they sent me a denial letter 30 minutes later. I was speaking to an manager says going to call me back to followup because their was something wrong with the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.

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