BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear PayPal, This is the third time I am conctacting you regarding my issue, each time I have recieved even more outrageous responses. My name is XXXX XXXX XXXX XXXX I am the owner of the account linked to the email XXXX. As I have explained already in past phone calls and my previous complaint to the CFPB, on XX/XX/2021, I recieved and email from PayPal, stating that I could no longer use their services, I will attach this email bellow. 

As I have explained already, I have not done anything wrong and I have not been given any explanations as of why this happened, the previous response I got from PayPal said the following, ridiculous and insulting message ; It is important to note that this complaint was not submitted on your behalf but on behalf of another PayPal account holder. Due to PayPal 's strict Privacy Statement, we are only able to address account information with the account owner. As a result, we can not divulge account details to you regarding an account that is not in your name. 

I will also upload a photo of my ID to prove that I am XXXX XXXX XXXX XXXX and not as you are claiming " another PayPal account holder ''. 

PayPal have provided me with an awful costumer support service, after calling and contacting them multiple times, they were time and time again, unable to fix the issue they caused and still have not given me back the control of my account. 

Bellow you will find a photo of my XXXX ID, the previous email I got from paypal, which was totally wrong in everything they stated and helped me in no way and the emails I got from paypal regarding my account. 

I trully hope you can fix my issue once and for all, all I want is to be able to use my account, with the {$2200.00} you are holding against my will. 

SINCERELY, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I closed on my house around XX/XX/2020. During the closing i was made to signed documents which states that my Mortgage was going to be {$1900.00} Monthly. And i have been making that payment for two years now. Just this month, my Mortgage has been increased from {$1900.00} to {$3500.00}. I called the mortgage company to find out why such a huge increase in my mortgage. and i was to that i have been under paying my escrow. They told me that my Mortgage was supposed to be {$2500.00} at the closing but not {$1900.00} i have been paying for the past two years. which i know is not my mistake for making under payment. I want to know what i can do because i can't afford the new payment of the {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights Collection # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Hello, in the month of XX/XX/XXXX I went into a bank of America Branch at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a XXXX inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the specialist re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my XXXX account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my XXXX file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the XXXX XXXX department, and they told me I'd need to dispute the information with XXXX and it will then come off.

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 2019-08-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019. I continued to monitor them, and on XX/XX/2019, I noticed Sequium Asset Solutions/XXXX XXXX, noted on my credit report as a collection. I originally ordered the service because XXXX XXXX talked me out of a streaming service and agreed to provide me with 1 ) XXXX XXXX cable TV, 2 ) 100MB internet, and 3 ) cell phone service through XXXX  for a total of $ XXXX/month. XXXX XXXX only provided me with cable TV. I did not receive the 100 MB internet or cell phone service as was agreed upon and contracted for. I called XXXX XXXX on multiple occasions with no return call received from the problems department. Of course, I cancelled my service because XXXX XXXX reneged on their end of the agreement. I never received a written notification from either company stating that I owed a debt or with intent to collect a debt. 

On XXXX.2019, I wrote Sequium Asset Solution/XXXX XXXX, with a request for them to validate the debt and sent it via certified mail, as is in my rights under the Fair Debt Collection Practices Act. I did not receive return communication from Sequium Asset Solutions/XXXX XXXX. The validate debt letter was sent via USPS certified mail with tracking number # XXXX and was delivered and left with individual at Sequium Asset Solutions/XXXX XXXX on XXXX.2019 @ XXXX per USPS records. I  have not received any communication from Sequium Asset Solutions/XXXX XXXX to date. 

I would like Sequium Asset Solutions/XXXX XXXX collection account to be removed from my XXXX, XXXX and XXXX XXXX credit reports. Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: VA
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:
On XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: FRANKLIN LOAN CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance process in on XXXX XXXX and provided all the documents that were requested by this lender Franklin XXXX located at XXXX XXXX XXXX, XXXX XXXX phone # ( XXXX ) XXXX After all the necessary documents were processed and finalized then on XX/XX/2022 a notary was to come out for the final signing. Then it was canceled and rescheduled for XX/XX/XXXX a Monday, Then it was cancelled again and rescheduled for XXXX XXXX. Then it was canceled and rescheduled for Friday XX/XX/XXXX, So today is XX/XX/XXXX and it has been rescheduled to XX/XX/XXXX See the pattern here not only has this process been on going since XXXX and 3 months later still no resolve. 
I think this company is either incompetent of discriminatory and just does not want to complete the loan ( ever ), I call and can never get anyone to answer the phone they may respond to my emails a few days later but never an immediate response to my concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was alerted via XXXX XXXX ID Theft protection service that an account was opened under my social number with Navy Federal Credit Union on XX/XX/2019. The bank did not verify that the social securitynumber did not belong to the person opening the account. It also ignored the fact that I had place a security freeze on my social security number with all three agencies. I have filed a report with the bank a week ago and they aresupposed to investigate but they have not been forthcoming about how this happened and what damage hasbeen done to my credit file as a result. I have called multiple times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX  Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I have a few hard inquiries on my credit report that I didnt authorize and also didnt give permission for anyone to run my credit report so I would like to have them removed off my credit report please I also filed a report with FTC and would like to Have those inquiries deleted off my credit report please I would like those for inquiry to reflect on my credit report as deleted and removed please The hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also AXXXX 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 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting act can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have collections on my credit report that do not belong to me. I have tried to dispute these with evidence due to identity theft but the credit bureau continues to say these belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2021, pay pal fraudulent charge on my account for XXXX dollars to a party XXXX XXXX, do not know this person. Contacted pay pal and was advised this charge was not unauthorized. This is in spite of the fact that there were numerous other attempts by this individual to collect money from my account in amounts of XXXX to XXXX dollars that my bank denied. PayPal investigators apparently don't find it suspicious that one person would receive this many transactions days apart in total amounts over XXXX from one account. It should also be noted I hardly ever use this account and it had been over a year since I used it last. This should also be suspicious. Pay pal is aiding and abetting obvious fraud to protect their reputation and assets at the expense of consumers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, on XX/XX/23 my card was fraudulently used. I called square to notify them on my funds being taken and started a dispute. I was asked several questions one being, was my card in my possession at the time of the the transaction. I stated yes, I was in California at the time. XXXX transactions were taken out of my account from a XXXX XXXX XXXX in New York. A short time later i was told my request for the funds would not be returned because the card was in my possession. 
I asked could I have information about the transaction and I was told they did not have any of the details besides the name. I asked if they could please do an investigation and I was told no, they go by XXXX XXXX rules and no investigation can be done. I even tried to ask who would spend that much money at a XXXX store in New York and they still gave me the same response. I know if a proper investigation I was done they would see that was not the person who used my card. I also find it strange that a short while after I was give a loan from square for close to the same amount that was stolen. There are all types of scams these days like copying cards ect. 
Please help me with this matter thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo checking account charge

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 2021-06-07
Company: EQUIFAX, INC.
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 disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report for equifax XXXX XXXX, & XXXX its stating that I owe {$500.00} to a credit union in Wisconsin. I never opened any accounts. How can I be late if I never agreed to pay any payments. Also how can I be late if the debt isnt mine? I sent in dispute letter in XX/XX/XXXX. 2022 to delete also incorrect addresses and number on file. Havent heard anything back. I called by phone XX/XX/XXXX to remove items off my credit profile due to violating 15 U.S.C 1681 ( a ) 3-4 and 15 U.S.C 1681b ( a ). They still didnt remove items for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 
I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the XXXX bureaus directly through this platform.

Company response to consumer: Closed with explanation