BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal account : XXXX On XX/XX/XXXX, XXXX XXXX sent a payment for {$1300.00} for a XXXX ceritified diamond ring with 14k gold band via PayPal goods and services absent of a description. I contacted PayPal the same day asking if I should ship because the buyer didnt put a description and they advised me too. However, the buyer also filed a chargeback the same day he sent the payment without giving me time to ship. After I shipped via USPS, the buyer claimed that he received a worthless item and XXXX. After this, the buyer changed the reason for his chargeback and PayPal refunded the payment in full, leaving me to pay the transaction fees. However, I have photo and video evidence of me shipping the item out and communication directly with the buyer on what he purchased. PayPal did not even ask the buyer to ship the item back under the reason that he claimed what he received was worthless which is fraud on both the buyers end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Im complaint about Experian for having inaccurate information on my credit report I sent XXXX letters to Experian to remove the inaccurate information from my credit report and Experian ignored my disputes and Experian dont want to send me the reports of my disputes or to remove the inaccurate information from my credit report I request to Experian to remove the inaccurate names and addresses form my credit report and Experian is violating the law This XXXX XXXX XXXX company dont want to remove any of the inaccurate information from my credit report they have an inaccurate addresses on my credit report I sent prove and documents of my addresses and even like that they are violating the law ignoring my disputes this abusers of Experian Im tired of sending disputes to this XXXX 
and Experian is saying that this inaccurate information is accurate lying and violating the law I sent my ID and bills with prove of my personal information and this XXXX dont wan to do anything about it Stop XXXX  my credit All this information is inaccurate must be remove it How many XXXX XXXX I have to dispute and dispute my legal right XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: CMRE Financial Services, 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 status incorrect

Complaint:
I contacted CMRE financial on today because there was an account placed on my credit for {$130.00} balance obliviously from when I was seen by XXXX XXXX XXXX for the XXXX bill. This was said to be paid by my insurance XXXX. The account obivously had a balance on it of the {$130.00}. When the first representative got on the phone before asking me anything immediately placed me on hold and transferred me to another very rude and unprofessional representative who spoke to me as if I was a child or had broken some type of law. She was very degrading and down talking. I tried to explain to her that I was not aware of the balance or had I received any type of communication of such. She did not give me any options to resolve this matter and stated that it would not be removed from my credit. I have worked very hard and as a XXXX XXXX to maintain and keep my credit in a very good standing. Also pursuant to Texas law medical bills should not be reported to your credit report at this time. This is a direct violation of my consumer rights. I have reordered the conversations of how I was treated and attached them below. If this is not removed as I would like to resolve it I will be forwarding to my attorneys office immediately. THE FDCPA has standards to how a consumer should be treated and I feel as if my rights pursuant to the FDCPA has been violated. I am also forwarding a copy of my complaint to the California AG 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX complaint still open. Credit reports states they took off the alerts of unpaid debt which is NOT mine but they are still there affecting my ability for a bank credit card beside braking PA Law

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 2019-03-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a statement from Wells Fargo with my address. It was addressed XXXX XXXX XXXX XXXX and was a business statement which had my address with transactions. When I called they requested my name several times even though I explained that this business did not exist at my residence and that I didnt have any accounts with their bank. They asked why I opened the letter if it wasnt addressed to me and I explained that I thought it was some type of solicitation. I then spoke to a manager on a recorded line who told me to forward the statement back to Wells Fargo. I said that I would but wanted to keep a copy for my files. She told me not to do it no need. Afterward, I remembered that there was concern over them creating false accounts as a way of earning incentives and was curious if this was related to this situation. I am concerned that someone has listed my address as a place of business and that as a result I may be unknowingly involved in a fraud scheme.

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 2019-10-09
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Please update XXXX with this correct attachment that includes the letters mentioned as proof. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made a full payment to Online Services, a debt collection agency. I have been waiting a proof of payment letter. On XX/XX/XXXX I called to request another letter be sent to me. Per a conversation with one of the call takers, the request would take 10-15 business days. On XX/XX/XXXX I called and spoke with a floor supervisor and she advised me that the only way to correspond with Online Services was through standard mail. It has been over a month since the payment was made and almost a month since I have requested a proof of payment letter and Online Services is doing nothing to rectify this situation. Furthermore, the account is still being reported to my credit. I understand that this may be on XXXXs part. However I find it peculiar that I paid other collection debts the same day (XX/XX/XXXX ) and some before the day that I paid Online Services and those amounts have been corrected on the same Transunion report. I understand that things happen with the mail, however, Online Services has done nothing on its part to help correct this situation. Online Services decision to do nothing about this after multiple calls of complaint speaking with two supervisors ( a woman on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as well as the collections account manager XXXX, is unprofessional and unacceptable and has caused delays in my financial life which is causing strife within the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i requested for a loan modification with Wells Fargo during a hardship, they did not include my husbands income or child support court ordered income or my income for a rental property and they basically denied my application stating i would be eligible for a short sale which was something I was trying to avoid. I would like my information reconsidered for better options.

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 2018-04-27
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EXPERIAN is misreporting my credit report and because I have been in XXXX for over 3 years with the military I am unable to get a copy of the report to see the details that they are reporting. They are stating that I have missed or been late on payments however all my accounts have been set for auto payment well in advance of any due date for over 3 years now. The other credit reporting agencies are correctly reporting that I have never been late or missed a payment. I need EXPERIAN to provide me with the detailed report but I can't seem to get it from them because of where I am.

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 2019-06-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was trying to make a check withdrawal XXXX {$150.00} XXXX from my papal account. The PayPal system ( once again ) won't allow me to make a check withdrawal. I have made check withdrawals many times via PayPal in the past. This is still an option on the PayPal system. No information has changed on my account. 

I had an identical problem three months ago with PayPal and I filed a complaint with CFPB. The problem was resolved when PayPal sent me a code to verify my phone. They seem obsessed with verifying phones and tracking people via their phone. They can see that I called from my phone, yet they still insist on sending me a text code. This is insane. I don't have a smart phone. 

Each time this recurring problem happens with PayPal they seem want me to " jump through another hoop '' just to withdraw my little funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The dispute resolution process, along with fraud and deceptive unethical practices, has caused me to lose my new construction home. My credit fell XXXX points and then Transunion and XXXX  dismissed legitimate pleas for assistance and consumer protection. 
Transunion verified the collection as legit ; despite the mountain of evidence I have submitted to collaborate my claim. I do not owe any money whatsoever, and XXXX XXXX XXXX along with XXXX XXXX XXXX are committing egregious acts against consumers and NO ONE is doing anything for the victims. 

XXXX, Transunion, and XXXX  MUST KNOW what is going on with these companies and I have proved that I owe nothing for the XXXXXXXX XXXX. 

I believe that I am owed damages for my misaligned teeth and bite problems perpetrated by these plastic things which aren't even a real product, gives no results, and caused harm to me. I even joined a class action against XXXX XXXX. 

I have literally been XXXXXXXX XXXX XXXX XXXX XXXX out of a home and a dream by this injustice!!!!! And I can't get anyone to listen or rectify a single thing!!!!!! 

All of these companies, along with the CSR 's should be ashamed of themselves. They should tell my children why the system is so backwards, that we lost our home over some XXXXXXXX XXXX that was illegally financed and damaging not only to my mouth, but to MY LIFE!!!!!!!!!!!!!

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 2019-03-25
Company: TRANSWORLD SYSTEMS INC
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 was notified that a collection agency reported a debt on my credit report in the amount of {$150.00}. I disputed this debt directly with the credit bureau who responded that the collection agency Transworld verified the debt. The credit bureau despite my request failed to provide verification of physical documents of how this company verified the debt belonged to me. I then attempted to directly contact Transworld and ask they provide me with validation that the debt belonged to me since this is something I never received in the first place. A certified mail was sent to Transworld requesting validation of debt however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
a debt was sent to collections that I do not owe.

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 2019-06-25
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX XXXX back in XXXX and received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I lost my job and became delinquent in payment. I entrusted XXXX XXXX XXXX to consolidate my credit cards and they dropped me as a client. All of my creditors came in on me. US Bank National Association turned my account over to XXXX XXXX XXXX, XXXX. to collect payment. I immediately contacted them by way of phone to offer some sort of payment. I started sending in " good faith '' payments. They are not willing to make a realistic settlement agreement with me. Why?, I do not know. They proceeded to take me to court. My court date is scheduled for XX/XX/XXXX, at XXXX XXXX. 
I received requested paperwork from XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, concerning my account history with blackened out account numbers. I requested copies of my account transactions for XXXX XXXX ending in XXXX, from dates ranging from the initial opening of my XXXX account to the closing of my XXXX account. I requested copies of my US Bank National Association Credit Card ending in XXXX, from dates extending to the transfer of my to XXXX XXXX XXXX, XXXX. XXXX  XXXX, for collection. I only received a partial part of the paperwork, that I requested with the account numbers blackened out. What is the Law Firm trying to hide. There are some fraudulent activities going on. The firm is hiding information from me. What other information has been altered in order to squeeze my hard earned money out of my pockets. 

Please Investigate this matter, Thanks, XXXX XXXX ( Formerly 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