BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Paypal contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to XXXX individuals (? ) through paypal & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much XXXX, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

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 2019-04-09
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have tired calling and sending all my collection debts about the college i went to had closed due to fraud and i was in that mess. i sent pdf flies of eveything about the closure of XXXX college and also sent them about me and my credit report and see how i can not afford it and how XXXX lied to me about me being about to have a lifetime job source through them and everything else that happen in the fraud case against them. they call me monthly asking if i can paid my full debt to them and i cant i have stated to them that i been also going through it with u.s. department of education cause they took my taxs i have private and fed loans behind a degree that is not credited for ..i cant even use it to get a job ... i cant use it to even go to another college and higher my education if i wanted to ... how unfair is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
New car loan with Ford Credit early XXXX. I made first payment and requested ammortization schedule for the loan. Ford is refusing to provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to the XXXX XXXX department for XXXX XXXX XXXX regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.

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 2019-04-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( EQUIFAX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 



XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received a text claiming they were Wells Fargo XXXX they were trying to XXXX funds claimed they had to block numbers and transfer funds in order to stop scam when I went into my account my funds were gone I then called Wells Fargo they said to wait I called back on Friday XX/XX/XXXX they finally filed two claims one for {$1000.00} and one for {$700.00} told me I had to wait up to ten days for conclusion. I have been calling on XX/XX/XXXX I called back they closed my claim on XXXX I never received a call back and they are telling me sorry there is nothing we can do you have been scammed!!! I cried!!! It might not be much money but Im on XXXX and its all I had. I am extremely devastated Ive been banking with Wells Fargo and on the online app they guarantee XXXX transactions unless authorized well it was authorized to me!! But was never deposited into my account.. 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 2021-09-10
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX. I began the application process for XXXX  housing with XXXX XXXX ( new name is XXXX ) owned by XXXX XXXX XXXX. The application was for the XXXX school year since there was a promotional discount offered. 
I did not complete the application, nor did I sign a Housing Agreement, yet in XX/XX/XXXX they sent me a collection notice that I owed a full year of payment : {$5500.00} for not moving in. 
I have tried repeated attempts to resolve this with the company, yet they sent this to their collections department, then to a debt collection company, National Credit Systems. I contacted them to resolve this with no avail. In XXXX of XXXX, I was contacted by one of their lawyers, XXXX XXXX. I responded to him as well and directed him to contact a manager at the apartment company, XXXX XXXX, with whom I had already spoken and verified ( I have the conversation recorded on XX/XX/XXXX ) that they have no claim against me. He also volunteered the information that I was not the only person dealing with this type of situation. 
National Credit Systems has since reported this fraudulent debt to the credit reporting companies. As a result, I have been denied other apartment housing and I suspect that I have been denied several employment opportunities as well. 
Lastly, I reached out again in XXXX of XXXX to another manager, XXXX XXXX, to see if the company would do the right thing according to section XXXX of the Fair Credit Reporting Act and expunge this from my record. After some initial responses, he has stopped all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase Bank, now entered into credit reports as JPMCB, consistently adds hard inquiries to my report every year. I have 7 hard inquiries open at the moment. 3 of them are for Chase. I have never, ever applied for a Chase card. They say they can't do anything about preventing the hard inquiry, and that I have to dispute their mistake every time it happens. They don't ever actually offer the card, which is good, because they can't verify the info, but they still check the credit. Please, please help me make it stop. It shouldn't solely rest on me to fix this when it is a recurring error! This is my second CFPB complaint for this specific issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX up until XX/XX/2021 when I moved out. I had paid up any amount due up to that time. I contacted XXXX and they were able to verify that no data usage was recorded after XX/XX/XXXX. However they are still trying to charge me with service that I did not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase marketed their Chase Shappire Preferred Card as a 12 Month 0 % APR Credit Card. Instead of delivering on that promise, they defrauded me by giving me a debt intrument that realistically could never be paid back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2022-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the morning of XX/XX/XXXX I received an email from Wells Fargo stating that overdraft protection had been activated for my checking account. I logged into my Wells Fargo account to see why this was and discovered that 2 fraudulent payments had been made on my account. The first charge was posted on XXXX for {$2500.00} for XXXX XXXX to " XXXX XXXX XXXX XXXX'. The second charge was showing on the XXXX but according to the Wells Fargo website didn't actually post until XXXX for {$4500.00} for XXXX XXXX to " XXXX XXXX  XXXX ''. I do not have credit or debit accounts with either bank in the posted transactions. I do not share my online banking information with anyone and only ever log in from my personal computer or phone on private networks. After discovering these charges I changed my account password and then immediately called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX. When I was connected to a representative I informed them of the fraudulent charges. The representative attempted to cancel the charges but was unable to do so. For security reasons the representative put a temporary freeze on my online banking, changed my username, password, and account number, as well as started a fraud case for me. On XX/XX/XXXX Wells Fargo mailed an Online Fraud Affidavit for me to fill out and I received it on XX/XX/XXXX. I filled out the affidavit and returned it to a Wells Fargo in XXXX, North Carolina on XX/XX/XXXX where a banker was able to assist me finishing filling it out and faxed it in to Wells Fargo 's fraud department. On XX/XX/XXXX I received a letter from Wells Fargo saying that they had completed their investigation and denied my claim due to the fact that the transactions were requested during a secure online banking session using my username and password. I called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX after receiving the letter to find out why my claim had been denied. The representative on the phone was unable to give me specific details about why my claim was denied. She was able to put in a request for the documentation used in the investigation to be sent to me and let me know it may take up to 30 days to receive it. As of XX/XX/XXXX I have very little information about why my claim was denied and will continue to appeal it.

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 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( TRANSUNION ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT TRANSUNION? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?

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