BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2019 my Pay Pal account was placed on a freeze. I contacted pay pal and I was advised it was due to another account that was open in my name that had a negative balance which has to be fraud because I have never had any other pay pal accounts in my life. 

I was advised to submit a police report for identity fraud and my funds will then become avail 5-7 business days after the report was received. So I followed all the steps and provided them all the information requested to me. Two months go buy I heard nothing so I called back in and they advised me that the original ticket they submitted to get this corrected had expired and they needed to start the process again! 

So another months goes buy I received a call saying they were going to lift the hold on my account and I could resume to use my account as normal. Long story short that was a lie no holds were ever removed. So again I called in and they had to start the process again long story short at this point Im receiving auto responses saying that they have completed there investigation and because the account Im saying is fraud has all my personal information that I am liable for the debt and I need to pay the debt to gain access to the account that has my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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: Information belongs to someone else

Complaint:
I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
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 XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-09-13
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im finding it difficult to believe that after paying what this company was asking for. They're continuing to display this account on multi reporting services. While talking a representative I inquired about the removal of this from my account because of its effects on my score. The accounts impact on my score is still seeing the impact when its been over half a month now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company is attempting to collect a debt without a contract. According to XXXX5 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. 

They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: MODERN FINANCE COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Car was purchased for XXXX and prior to payment on XX/XX/2017 for title and registration payment modern finance begans to be an aggressive assignee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
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:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX   {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. 

The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2023-03-26
Company: Affirm Holdings, Inc
State: GA
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:
hello i am very upset that Affrim decided to appear on my XXXX credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to XXXX and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like Affrim but this stut has took the cake, XXXX is no better i don't have any respect for that company bottom freeders so I needed to bring this matter to a higher level since XXXX is in the bed with so much of these crooked companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019, I opened a new netspend account at my local XXXX XXXX check cashers and they notified that I would not be receiving a card and it would come in the mail. I loaded the account with {$1000.00} and that same day I checked my online banking {$960.00} was drained out of my account with a XXXX purchase not even in my area. I immediately called to dispute the charge. I was told multiple times but netspend employees that I would receive a credit on XX/XX/XXXX or even soon. I called multiple times and was then told XX/XX/XXXX is the exact day I would be credited. On the XXXX, no money was credited. I called and they told me they could not credit me the money hackers stole from me. I am so upset by this as it seems like banking security has just gone down as a whole. I was not able to pay my rent and me and my kids might have to go out on the street. I was not able to buy groceries and XXXX presents that I had promised them and XXXX was ruined. Netspend has by far the worst customer service I have ever received. I am so upset because I was told when I opened the card that my prepaid netspend debit card was protected against fraud and unauthorized charges. I have never made the unauthorized charge in question and I think I am dealing with criminals that can spoof their number to appear like mine. I also suspect the tellers at the XXXX XXXX   location are somehow involved. I just want my money back, I cant believe my money was stolen right out of my account like that. Please help.

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 2019-07-30
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: Information belongs to someone else

Complaint:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had student loans with Sallie Mae since XX/XX/1998 which I kept deferring or forebearance. 
In XX/XX/XXXX I got harassing calls from XXXX XXXX XXXX   that I was in default. I agreed to make income based payment arrangement but for some reason they added {$22000.00} in late fees. My student loan was {$42000.00} but with the ridiculous fees added they said my loan was now {$64000.00}. I did not agree to those illegal fees so I did not agree to their repayment plan unless they remove those fraudulent fees. Next thing I know, I got letter about garnishment.i submitted my docs that I support 5 people and struggling but it did not matter. They filed for garnishment in a court in Missouri i believe and they have been garnishing my wages since XX/XX/XXXX. 
I need help. They also take my tax returns each year. I will agree to repayment plan on correct loan amount once garnishment is removed. {$22000.00} in late fees. That is simply absurd and criminal. 
Please can you help me fight them. 

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 2022-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I CHECKED MY CREDI REPORT AND FOUND 2 FRADULENT ACCOUNTS ON MY REPORT FROM THE SAME COMPANY XXXX XXXX CO I DON'T EVEN KNOW WHAT THIS COMPANY IS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: NC
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:
UNAUTHORIZED USE OF CREDIT REPORT!!!

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 2023-08-31
Company: Paramount GR Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my entire loan on XX/XX/2023, which was before the first payment date due date ( XX/XX/2023 ). I based my payments on the information available to me on the account portal and the statements issued to me. However, today ( XX/XX/2023 ) I received a statement that said I had not paid off my principle and that my loan was still accruing interest. After reviewing the documentation available to me, I couldn't figure out why I was being told I owed this amount. I called GoodLeap. Multiple of their representatives admitted that GoodLeap 's portal does not clearly provide information about the outstanding principle or interest, which is why I didn't see accurate information. Given GoodLeap 's acknowledgement that they did not provide clear information or documentation of what I owed, and that lack of information prevented me from making informed payment decisions, I requested that they waive the remaining balance ( {$57.00} ). The workers I spoke with explained they did not have that power but would elevate the challenges I ran into. I ended up paying the remainder off to avoid accruing further interest because I did not know my other options. I'm filing a complaint in the hopes that 1 ) this will spur prompt reforms at GoodLeap so others don't have this situation, or worse, and 2 ) in hopes I can get a refund for the {$57.00} since it was GoodLeap 's fault that I did not have access to accurate information to base my payment decisions ( had I had access to better information I would have avoided paying additional interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

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 2022-01-24
Company: EQUIFAX, INC.
State: OK
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:
15 USC 1681c-2 ( a ). i submitted an identify theft report to the Federal Trade Commission. Attached is my identity theft report. Block the requested information off my report. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent a transaction from one wallet to another on the site. Reference code XXXX. 
The transaction sublitted on XXXX/XXXX/XXXX and was stated to be transferred on XXXX/XXXX/XXXX. 
It is now XXXX/XXXX/XXXX and the item is stuck in pending. 
I have done various other transactions with the same parameters and they have cleared fine. 
I have contacted the company through phone call 4 times and email XXXX and have been promised it will be cleared that day with no response or action after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023 I disputed that there are inaccurate accounts on my report that need to be deleted immediately. 2 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) 2 closed accounts ( XXXX  XXXX ). I'm pursuant to the FDCPA and FCRA SECTION 15 USC 1681 ( a ) ( b ) and Section 15 USC 6802...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
15 USC 1681c-2 ( a ). i submitted an identify theft report to the Federal Trade Commission. Attached is my identity theft report. Block the requested information off my report. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

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