BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, 2021, PayPal Inc. made an arbitrary and unilateral decision that I had violated their user agreement. They froze my business account and withheld all of the money within it for XXXX  days, totaling {$1200.00}. I have tried multiple attempts to appeal their decision ( my product does not violate their user agreement, and I have evidence and documentation backing up the nature of my product, hence why it was an " arbitrary '' decision on their behalf ), but my emails are never responded to other than boilerplate text without any substantive information. I have tried calling multiple times and told it is not an appealable decision. The XXXX  days of account freeze was over on XX/XX/XXXX, and I expected a check to be sent with my remaining funds. Instead, PayPal decided to keep my money and will not tell me why. All phone calls end with " Sorry, we can't tell you any information, nor can you appeal, we're keeping your money. '' They essentially stole from my legal business without recourse, and now I turn to you for help. It is a small amount, but makes a difference when that is what I rely on to survive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I have a hard inquiry on my TransUnion credit history that was supposed to be taken off on date XX/XX/2018. With this inquiry my credit his being held down/no room for me to have another inquiry. Please tale this inquiry offf that isnt supposed to be there. 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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed an unrecognizable inquiry reporting on my Transunion credit report. I immediately contacted the bureau and spoke to a customer service agent who placed a fraud alert on my credit report to prevent any further fraud from occurring. I asked him to dispute the fraud inquiry and he told me that he did. I am not sure if he was telling the truth but the inquiry is still remaining on my credit report and has not been removed. 

Transunion XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2018-08-27
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issues with Student Loans started aroundXX/XX/XXXX. We began looking for a home to purchase around XX/XX/XXXX and had an official credit report run which came back at about 755, so everything was looking good for purchasing a home. Then around XX/XX/XXXX something weird starting showing up on my credit report, the loans that I had been paying on had been transferred to Navient, which was really strange. ON TOP of that these loans being transferred to Navient showed a duplicate record ( so instead of 6 loans it was showing 12 ) which reduced my credit score down to about 610, and thus drove it lower from there, essentially making it so we could not buy a home. 

I called into Navient for the first time in XX/XX/XXXX, who claimed I did not have any Student Loans being processed/handled by them. 

From there I called back to the Federal Student Loan number who verified that Navient was the one that is now handling my loans. 

It took me 4 months ( XX/XX/XXXX ) before I could get Navient to claim they were the ones now servicing my loans. After that they claimed there was a {$5.00} outstanding charge on my account and that because of this I was showing as " defaulted '' I quickly paid that {$5.00} off to be taken out of default ... ... well now every month I am being charge {$170.00} through my bank which I had never authorized to be drawn from besides that {$5.00} to get me out of default before I could work on a repayment program. 

After discovering that I was being charged this amount I had my Fiancee call on my behalf and they gave her a run around and stated that " I can apply for more deferment time online but because you already went into default once they may not approve it unless we can prove that we can not handle {$170.00} a month '' ; essentially meaning " We XXXX over your deferment because you were just in default and paid {$5.00} to get out of it. '' On top of this the original interest amounts have gone up after being taken control of by Navient, and my credit score has barely improved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: SYNCHRONY FINANCIAL
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, I called PayPal Credit to understand how my payments are being allocated. I currently have two active promotions with PayPal Credit, a 0 % for 24 months Easy   Payments and a 0 % for 6 months with deferred interest. In XXXX I payed two payments totaling {$400.00} and in XXXX I payed {$450.00}, both months paying well over my minimum amount with the intent of all of the money over my payment to apply to my 0 % for 6 months promotion in order to pay it off before XX/XX/2019 when if becomes an interest bearing account. 

I noticed today, XX/XX/2019, that all of the month I paid in XXXX and XXXX, with the exception of the minimum amount that was allocated to the 0 % for 6 months, was allocated to the 24 month fixed term. When I called on XX/XX/2019 to correct this issue, I was told by a representative named XXXX that all payments in excess of the minimum payment will automatically go towards the Easy Payments term first, until the 6 month promotion term is within 30 days of becoming due. XXXX also said that if I wanted to make changes to how payments are allocated that I would have to call in and that the process would take up to five days to complete. I asked to speak to a supervisor because I was concerned by this process. I spoke with a manager named XXXX and she echoed the statements of XXXX and said that my XXXX and XXXX payments were being reallocated. 

It is my understanding that under the Dodd-Frank Act that all line of credit payments are to be allocated to the highest interest bearing portions of the account first. In this case, I do not need the extra month applied to the the 0 % for 24 months as that promotion is a fixed term that pays off after the 24 months. Instead, I need any extra payments applied to the shortest term which will become interest bearing in only three months from now. 

The fact that I have to call PayPal Credit to have them reallocate my payment is unacceptable. When I called on XX/XX/2019, there was an 18-23 minute wait time. Luckily they did offer a system that calls me back but for me to have to do this every time I make a payment in excess of my minimum payment is ridiculous. This process is a ploy to make customers go " the long route '' to correct issues on their accounts with hopes that they will give up out of frustration and PayPal Credit can reap the benefits when the account becomes interest bearing.

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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint involves XXXX  ; XXXX  and TransUnion credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.

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 2019-10-14
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice that this account would be placed back on my credit report, I have previously dispute this account and it was removed off my report.I have no knowledge or do not remember opening an account with XXXX. The account number is XXXX and the amount of this account is {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have lived in XXXX XXXX, SC for the past two years, not XXXX, SC which is two hours away. My credit report, of which I check monthly, states a collections account by National Credit Systems IncXXXX that I owe {$240.00} to XXXX XXXX. A creditor of whom I have never heard of, been to, or been associated with. I have not been contacted by this creditor by phone, email, or mail. I have never heard of a XXXX XXXX of whom they are saying I have a joint debt with. I have not owed any debt to any rental property company for the past 12 years of renting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: National Credit Systems,Inc.
State: WI
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:
A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to  remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I mailed disputes to XXXX, experian and XXXX on XX/XX/21 because there were some incorrect items reporting in my credit reports from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I requested the verification of the account and in accordance to section XXXX, a copy of the signed credit applications and payment histories for the accounts but, I never received a response so on XX/XX/21 I send another request for disputes to all XXXX bureaus. No response again and I sent another set of disputes to all XXXX bureaus on XX/XX/21, and again no reposonse. I sent another XXXX disputes to experian, XXXX, and transunion on XX/XX/21 and again no responses. Another XXXX disputes sent out to each of the XXXX credit bureaus on XX/XX/21 but, at this point, since I haven't received XXXX response yet, I'm not expecting to hear back... which is very disappointing since I know there's a law saying that the credit bureaus have XXXX days to respond and it's now been about XXXX months and I haven't received XXXX response. I would like the CFPB to remove all of the accounts that I have been disputing for the last XXXX months from my credit reports because the XXXX credit bureaus have violated the law and not completed their investigations accordance with the XXXX. I am attaching a copy of my ID and social security card so you can verify my identity. Please also fine the credit bureaus the maximum amount allowed by law for ignoring the law. My next email is to my congressman and I will not let this issue go.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I called XXXX, XXXX and Transunion and informed each of them that information on my credit report is incorrect, specifically the spelling of my last name. In the section titled " Other names '' my last name was spelled " XXXX '' instead of the correct spelling which is " XXXX ''. Also my birth year was listed at " XXXX '' instead of " XXXX ''. I was on line looking at the report and identified the most blatant errors I am not certain if there is more. I was looking at the document online and I was unable to look at the entire document at that time. When I went back to try to pull up the information I was unable to access the credit report. Since that time I have requested all three of my credit reports and I have not received a copy of any of them at this time. I would like a complete credit report sent to my address from ALL THREE agencies so I can compare and contrast the information that is listed on all three of the reports. I need to identify all inaccurate information between each of the three reports.

One of the main problems I am having with these agencies is that is extremely difficult to get a live representative online. Every time I call I get put into a message system that forces me to select options that do not apply to my concerns. I am NEVER able to get in contact with a live representative. Another MAJOR CONCERN is that I am unable to access MY SOCIAL SECURITY account. Specifically, because " XXXX " has information about me that is NOT correct, which is preventing me from accessing MY OWN social security account. This has been going on for YEARS. I have had to go to social security over 8 times to get a password RESET which did not work because the credit information associated with my account is WRONG. I have had my password RESET about 4-5 times and the problem has not been resolved.

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 2018-01-23
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About a week before XX/XX/XXXX XXXX XXXX XXXX called my phone number asking for a XXXX XXXX concerning a debt who I have never known or heard of. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX about a debt in the amount of XXXX from a XXXX XXXX source. XXXX XXXX attempted to collect on this account and I believed the account was mine and paid a payment of XXXX and promptly set up a payment plan to settle the debt. There were also an additional 4 accounts under my social security number, date of birth, and last name that they wanted to collect on until I said no that was not me and was told that was a mistake not to worry. On XX/XX/XXXX I logged onto XXXX XXXX XXXX website portal to view my account after logging in with my social security number, date of birth, and last name, a total of 5 accounts all of which were under the name XXXX XXXX including the account XXXX XXXX XXXX had collected on said belonged to me that I had paid an initial payment of XXXX and set up a payment plan. I immediately cancelled any further payments for the account as I believe the account and accounts are not my debt to be collected from on behalf of XXXX XXXX XXXX XXXX No where, after logging in under my social security, date of birth, and last name was my name attached to any of the accounts but instead a XXXX XXXX XXXX I am under the belief none of these accounts that XXXX XXXX XXXX is collecting belong to me but another person. I signed no contract with XXXX XXXX XXXX and am under no obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting on an XXXX # XXXX, and # XXXX accounts. I have disputed this previously with no resolution. These accounts were included in my bankruptcy and are paid off but Equifax is still reporting and updating them monthly on my credit. They are continuing to damage my credit in error. This needs to be deleted

Company response to consumer: Closed with explanation