BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. PayPal was used as Venmo or XXXX. 
I wanted to borrow {$260.00} credit from PayPal to deposit in my XXXX  checking account. 
Unfortunately I did not realize I had it set up for PayPal to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called PayPal to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay PayPal and charge me, the investigation would take 10 days. 
I did not get charged for it. My PayPal was negative {$260.00} from the canceled transaction. I called to ask PayPal how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a PayPal account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off PayPal upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read PayPal has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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: Old information reappears or never goes away

Complaint:
The inaccurate account " XXXX '', account number is XXXX was removed from my credit profile on XX/XX/XXXX and re-inserted on XX/XX/2022. This illegal and against the FCRA guidelines. I will be suing and collecting reparations if " XXXX is not removed from my credit profile. This is an unethical practice. The credit bureau and I both know this is grounds for a law suit.

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 2023-12-05
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Here is a copy of a phone call I received from speedy cash. 

Need to pay or going to XXXX - pressing charges within 48 hrs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( speedy Cash )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
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 XXXX, US DEPT . OF EDUCATIO # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello. On XX/XX/2022, I purchased two products from XXXX for curbside pickup. One product was picked up but the other product was out of stock so it was cancelled. The one product that was picked up was returned in store due to poor quality. My bank named Chime had charged me again for the one product that was returned and refunded and then charged me again for the product cancelled. The transactions kept going from pending to settled within a matter of seconds right before my eyes and before the Chime bankers eyes while on the phone with him. He had disabled my card without my approval shortly after. I was charged for a full amount of {$150.00} when I have no products in hand from XXXX whatsoever. Chime has literally stolen my money since my account is frozen ( without approval ) and no pending transactions can be processed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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:
The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my 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 explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-01-21
Company: TRUIST FINANCIAL CORPORATION
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage refuses to recognize me as having the legal authority to conduct business and receive information regarding the status of the mortgage in the name of my mother, XXXX  XXXX. XXXX. 
My father, XXXX XXXX XXXX, passed away XXXX of XXXX. 
My mother, XXXX  XXXX. XXXX, passed away XXXX of XXXX. 
I am the surviving trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX family trust. As such, I am authorized to conduct all business financial and otherwise on their behalf. 
I provided to Suntrust Mortgage, per their request, on XX/XX/XXXX the following documentation : 1. Origintnal death certificates for both XXXX XXXX and XXXX  XXXX. XXXX 2. Notarized documentation of my appointment as Trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 3. A notarized copy of the Deed of Distribution of their personal home located at XXXX XXXX XXXX XXXX, XXXX ID XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
4. A XXXX XXXX Sales Verification Receipt verifying the deed transfer of the real property located at XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I call Suntrust Mortgage to discuss the status of this loan I am told that they can not speak to me because I am not authorized. I am told that when they look in the computer they do not see the documentation that I sent. However, I have documentation that they received the documents.

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 2017-07-30
Company: Experian Information Solutions Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX  SELF-REPORTED XXXX Balance : {$17.00} UTILITY SELF-REPORTED XXXX Balance : {$230.00} UTILITY SELF-REPORTED XXXX Balance : {$110.00} XXXX  SELF-REPORTED XXXX Balance : {$90.00} XXXX  SELF-REPORTED XXXX Balance : {$550.00} XXXX XX/XX/2022

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 2019-05-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company involved : Barclays I use a priceline Barclays card and have noticed recently that I am not able to make a payment more than the current balance shown in the app. 
Basically, if my statement closing date is XXXX day of every month and I use the Barclays credit card to make a payment on XXXX or XXXX, and  if the balance is not posted on same day, I wont be able to make a payment towards that amount until it is posted.

If it is posted on 6th, its highly likely that my statement generated on XXXXh will have that balance and as a consumer, I would be denied the opportunity to have a XXXX balance at the end of cycle. 

Basically, Barclays is stopping me ( customer ) to make a higher payment than current balance and denying me the option to have XXXX balance on my credit report. 

Im sure multiple customers are impacted by this and Barclays is denying their customers the opportunity to have a XXXX balance at the end of statement cycle.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$16000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - who hired collection agency Attorney for Collections : RAUSCH STURM XXXX  of XXXX, TX XXXX ( new name of Rausch, Sturm, Israel, Enerson, Hornik of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff lawfirm Rausch et al.. 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by Rausch et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME XXXXXXXX XXXX  debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??

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 2018-03-22
Company: U.S. BANCORP
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance company, XXXX, contacted me on XX/XX/XXXX before they were going to cancel my policy on XX/XX/XXXX due to an unpaid premium. I immediately contacted US Bank, my loan servicer, to make sure they had paid the bill from my escrow account. They assured me that they had sent a check on XX/XX/XXXX to XXXX. The check number they gave was XXXX, they sent it to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX. Neither company can give me any information about who has made a mistake. My home insurance has since been cancelled.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXXXXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.

In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*

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 2022-10-19
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with Ally bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from Ally Financial, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2019-12-28
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I recently tried to gather my credit reports to identify debt and get a handle on my fincnail situation. XXXX and XXXX were both easily acquired. The problem is with Equifax. The XXXX XXXX XXXX   site said the report was not available. So I logged into my Equifax account and tried to obtain a copy from the source, but was still not able to do this. I thought that I may have a freeze or hold on my account, but my profile states there are no issues on either end. So what are my options?

Company response to consumer: Closed with explanation