BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Paypal Holdings, Inc
State: FL
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/2021 I tried to send money thru my PayPal account. On I noticed on XXXX XXXX, XXXX  that it still did not clear. Out of concern, I sent a message to my bank, asking them to release the hold. They did, replied to my message to confirm that I could see it. 
I asked PayPal ( who ONLY responds after using multiple " self-helps '' and I pressed further to have a CSR contact me ). 
As of today, PayPay STILL has not released my transaction from their " Pending '' status. They refuse to move it, to pay it out. I contacted them again yesterday, the only method they use. They give the same story, blaming it on my bank. This is the last message they supplied : " Heres how to view the expected clearing date of your eCheck : Click Activity near the top of the page. 
Click Details next to the eCheck to see the transaction details.

You can find an estimated clearing date for the eCheck near the payment status on the Activity page. 
eCheck process> I do appreciate your time and I hope I could have solved your concern. Remember we are always here to support you on every question you have. 
XXXX XXXX  - XXXX '' XXXX XXXXTheir links don't show anything I can't already see. There is NO eCheck to click on. There is NO " details '' button. 
They are making interest off my transaction! This isn't right! 
My point is : Make PayPal release this transaction- now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
Our mortgage company sent to the credit bureau a wrong amount that was short from our mortgage. 
The mortgage company stated that we were 2 months late which we were not. 
This has effected our credit score over 100 points.

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 2019-03-01
Company: USI Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started to receive calls from a firm calling itself USI Solutions. The main number they call from is XXXX. The claim is that I continue to owe a small {$200.00} amount from a debt that I never owed to begin with. I originally began to receive notices from a law office in XXXX claiming a debt from a credit card I never had. No prior letters, no calls ... .just a letter out of the blue claiming that I owed money from a credit card I was supposed to have had in college in the XXXX time frame. I fought this tooth and nail and eventually I felt I had no choice other that to pay this. I made a deal with the law firm and paid the debt in full in XXXX. I received a letter stating that this debt was resolved with a XXXX   balance. I never heard another word about this until last month. This was almost 13 years later. USI Solutions claim that the attorney I made the original deal with died and it is only now that his unpaid debts are coming to light. I made it clear that they have no right to collect on this based on the statute of limitations. The representative stated that he didn't care and he would call me for the next twenty years if he wanted to. They reused to provide any of the original documentation on the debt. They also refused to provide me with their license number to collect in my state. This company has harassed me relentlessly stating that I never paid the original debt in full in XXXX. They are stating I still owe {$200.00} on it. I advised the firm that all further contact needs to go through my attorney. I gave them my attorney 's contact information. They did not stop calling me and have now called my employer stating that they are trying to reach me to collect a debt. I am a XXXX for a XXXX XXXX XXXX   and this has caused tremendous issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Navient Solutions, LLC.
State: PR
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: Problem with personal statement of dispute

Complaint:
Navient is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now Navient is reporting installment behind and pending to XXXX. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report I noticed an inquiry made by PayPal that I did not authorized upon my research to my surprise this is a common practice from pay pal. To have the sensitive information from consumers and to abuse it is unconscionable. This needs to be addresses and stopped at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
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: Information belongs to someone else

Complaint:
i am a victim of identity theft

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 2019-03-01
Company: Associated Credit Services, Inc.
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:
In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: NV
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:
Yes I had a account closed from XXXX XXXX because Im opened another Acct through another wireless provider when this happened thei neverclosed account so they kept hitting my credit as a late pay I finally found bout sent payments monthly when I went to purchase a mort loan it popped up as never made payment on a closed Acct so they never to into all my payments I made them and charged me a full amount I did negotiate and thei settles for another amount I had no choice but to pay like almost double thei never have me updates or statements of account on this matter and never would give me information they told me it was closed Acct ok so why are you not showing my payment I made then XXXX XXXX never updated my actions at all and verify the wrong amount owed you help with this it on my report as paid but will stay onther for 2 more years when they told me it would be taken 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 2020-11-24
Company: EQUIFAX, INC.
State: OH
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 sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and XXXX said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

They not only improperly reported me, they also broke the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - I contacted the Equifax line that is supposedly assisting consumers who were victims of their security breach. I would like an extended fraud alert placed on my credit reports and they not only will not do so without a police report or other proof of my identity being stolen, they did not have a phone number for me to call to request it due to their inadequate security of my personal information. This is unacceptable. Why would I want a one-year identity service from them and then have to send them in writing that I want to opt-out of the clause to sue them for this breach and their release of my personal information. They MUST offer victims like myself an extended fraud alert on our credit reports and allow us to request and implement online, not in writing. This is the most outrageous display of abusing consumers who are victims of their negligence. Take action against this company and the " leaders '' who clearly abused their knowledge of this breach at the expense of innocent consumers. Allow us to protect ourselves IMMEDIATELY and at NO COST to us by placing extended fraud alerts on our credit reports online. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Consumer Portfolio Services, Inc.
State: MI
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:
Consumer Portfolio Services ( CPS ) accessed my credit file without my authorization and reported out an inquiry for credit that I never requested. They received my information from a third party. The third party has acknowledged this error and requested CPS to remove the inquiry. This letter was signed by a XXXX at the company. I have also submitted several letters to request the removal. I did not authorize CPS access to my credit file for lending purposes. Furthermore, I have an active extended fraud alert that states that I must be called day or night to verify any credit request. At no point has CPS contacted me to confirm my identity, that I authorized access to my credit, or that I indeed wished to obtain credit. This is a violation of US code 1681 c-1. CPS continues to refuse to acknowledge their fraudulent access to my report and remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am so upset about the shady business practices performed by Chase bank. I was told overdraft fees wouldnt be charged if funds were placed in account by XXXX XXXX next day. I have payed so many overdraft fees @ $ XXXX/per overdraft and almost all ATM 's, except two would be charged @ $ XXXX/each time used! I understand banks need to make money but the amount they were taking on a monthly basis was INSANE! I also have not received any helpful services that I needed. I even had to go to a different company to just get something notorized due to unreasonable hardships for such a siple task of customer services.I feel this is becoming a HUGE problem for consumers and these misleading and gross practices, performed by, supposed respectful financial institutions has gotten out of hand! Im thinking of just forgetting this whole game @ my financial exspence, and keeping my funds on my own! I would have saved hundreds in just 6 months! BEAWRE OF CHASE BANK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Spring Oaks Capital and disputed and requested validation of the debt. Spring Oaks received a certified letter on XX/XX/2021. Spring Oaks did not mark the account as disputed and violated my rights under FDCPA. I notified Spring Oaks gave them a copy of my credit report and requested deletion due to violation and non compliance. Spring Oaks received my certified letter on XX/XX/2021. Spring Oaks Capital have not complied with FDCPA and continue to violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions 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:
Experian continues to report a negative XXXX account that is reporting inaccurate information. Experian has refused to due a proper investigation on this account by not allowing me to dispute the inaccurate information.

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 2019-03-22
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: Old information reappears or never goes away

Complaint:
Emergency room visit year XX/XX/XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/XXXX so they added it to my report as new in XX/XX/XXXX in XX/XX/XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt

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 2019-03-01
Company: Performant Financial Corporation
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I graduated XXXX XXXX in XX/XX/2009 with 2 loans totaling XXXX. Now they have been in collections and the principals have grown dramatically towards XXXX. Ive had wage garnishsment, sent federal income tax refunds, been on rehabilitation programs and have NO IDEA what to do now. I am extremely distraught financially and emotionally about this. I need to have these consolidated and want a line item description of everything that has happened. This company PeRformant on XX/XX/XXXX sent me a letter saying I had a principal of {$21000.00}, interest = {$850.00} and fees and cost {$4200.00}. A month later I get a letter stating my balance isnnow {$26000.00}. In one month my balance goes up over 5k! This is totally unacceptable. I am outraged. I recently submitted a complain about XXXX. I need help. I have no idea what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Chime Financial Inc
State: FL
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 am having identity fraud an someone is using my info to apply for credit cards loans cars and more they have put 24 hard inquiries on my credit report took out 2 loans an phone accounts. They have changed my passwords to hack emails and changed phone numbers putting a bunch of notes in my credit report. Ruined my credit I was fixing an had almost a XXXX score and rebuilding on XXXX now it's XXXX I need help no one is helping fix this an now using my government account I don't know the phone number an email passwords to the accounts because I have been hacked how do I fix this an change my account with all proper information and rid the incorrect information on my report do to fraud I have dispute over an over they even stolen my chime account information but chime won't shut the fraud account down an XXXX XXXX was hacked and they wasted about 5 hours an still can't access it please help getting back in my accounts an rid inquirys 24 fraud an repeated attempts for same credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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