BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
# 1 -- PayPal/Ebay Inc Auction where as XXXX transactions were disputed, PayPal/Ebay, withdrew money from my paypal account despite teh buyer recieving th eitem, without verification that the buyer did not recieve after seller verified that the item was shipped and delivered, after complaint. # 2 -- PayPal/Ebay Inc, Did place a hold on my account in the amount of {$70.00} after a dispute was filed by a buyer for an item sold for {$5.00} with Shipping of {$7.00} ( {$13.00} ), this is in excess of {$56.00} abover item in question, i believe this action to be theft and criminal, as there is no basis to hold XXXX times the amount in question. I wish for criminal charges to be brought against PayPal/Ebay for their theft from my accounts, and forbidding me access to my money and property, as this additionally is a violation of their terms and legal bounds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

BANK XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2021 I traveled to XXXX for a couple months and was stuck there because of Covid and couldnt come back for several months and I let synchrony credit know I would not be able to pay off this credit card for 2 months which was XXXX and XXXX and they told me that it was fine and they would remove the late charges off my credit report which they did and after a couple months a came back on my credit report and Ive called them and they said they cant do anything about it now

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-10-05
Company: Preferred Collection and Management, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hi my problem is about PayPal and their misleading ways. 

I started my online business about 7 months ago and everything was going smoothly. I decided to integrate PayPal to my website as my online processor because I felt PayPal could protect both me and the customers from any fraudulent activities. So After processing over {$1200.00} through PayPal, Paypal decided to permanently limit my account and hold all of my funds for 180 Days with no reason stated. My account has never had a charge back or dispute from customers but PayPal just decided to permanently limit my account and hold all of my hard earned money. I called PayPal to try and solve the issue. I asked them for the reason why they limited my account but they haven't provided an answer to the question. They've refused to get back to me. I even requested for a re-appeal but I was denied. They were so rude! They kept me on hold, they didn't answer my questions and they even hung up. I'm yet to know the reason why my account got limited. I'm so disappointed in PayPal for this unethical and misleading ways of theirs. Before my account got banned, I was asked to provide some information like customers tracking numbers, receipt of purchase from my suppliers. And I provided everything immediately but I was still limited. I even uploaded all tracking numbers!. This is so wrong and disappointing. Paypal will ruin thousands of businesses with these behaviors. I'll attach proof of my transaction below. I uploaded my invoice of purchase from my supplier. And also, proof that I uploaded all the documents I was asked to do ( as you can see, it was in review )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2017-05-23
Company: WATERSTONE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my loan process w ith Waterstone Mortgage wit h the office in  XXXX , WI with  XXXX   XXXX  and  XXXX   XXXX . That office was shut down without notice by  XXXX   XXXX   Branch Manager.  My file was transferred to  XXXX   XXXX  out of the  XXXX , WI office. Documents went missing that had to completed a second time. After a bunch of running around during the extended time frame I was having to try to get IRS transcripts. I am a  XXXX  VET that lives on my  XXXX . I have n't filed taxes in 15 years and they denied me based on this fact. I tried getting the transcripts online for the last  three years  that stated what I did n't file and was n't able to get it. I called the IRS and was on the phone for hours as well as online. When all attempts by me failed as well as  by Waterstone. Th ey came back then and tried to tell me that I did n't disclose a second vehicle so now I was denied based on the debt to income ration. Everything was disclosed to the  XXXX  office. It 's not my fault that that office was shut down without notice and my documents were lost, misplaced, or misfiled. On top of that  Waterstone   XXXX   XXXX  shared my confidential financial information to the listing agent. This created increased stress and tension with the seller.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
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 fraud alerts or security freezes

Complaint:
I am unable to lift the security freeze, as required to obtain a new loan. After logging in, when I attempt to access the freeze, I get the following error message : " Status not found. We're having trouble loading your information. Please try again later. '' I've been sending them daily messages since XXXX. The customer service representative that responded to my email provided generic information on lifting freezes. They did not comprehend that there is a glitch that needs to be addressed. I'm unable to reach a real person via phone.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to willfully and knowingly violate the law according to the FCRA. I have reached the point where I am seeking legal counsel to assist me because after countless request to have inaccurate and fraudulent information verified and if not removed, they continue to evade me and will not comply with my request for proof of these accounts. I have sent several request to provide proof sent proof that my personal information including social security number address and birthdate have appeared in numerous data breaches. All I have received are copies of my credit report. With the same inaccurate information. Im exhausted with sending letters and abiding by the law yet Transunion continues to violate my rights. I will continue to file complaints until you all make them remove these inaccuracies.

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 2022-09-07
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: Their investigation did not fix an error on your report

Complaint:
Continuously violating my rights as a consumer under the FCRA. 

Failing to property investigate my dispute request Failing to respond within 30-45-60 days. 
Failing to provide method of verification despite serveral request. 
Failing to acknowledge to supporting documentation as proof of erroneous information Refusing to acknowledge a dispute request.

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 2016-10-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: R & R Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX someone charged about 8 charges to XXXX on my Chase Amazon card. 
I don't have an XXXX account ( and it's never appeared before ) so I called to report fraud. 

Initially it was taken off my bill. Then they sent me a letter saying they determined that it wasn't fraud because it was charged to my home address. I DO NOT HAVE AN XXXX ACCOUNT. So, I called back and they put it back in appeal. Again they determined it wasn't fraud. 

There is no way these are my charges. Chase now isn't returning my calls. So I am resorting to reporting it to you. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a collection notice from a subservicer of my mortgage company. They said that I do not have documentation regarding hazard insurance and threatened to buy insurance for me. This is in spite of the information having totally transferred over from the previous sub-servicer and the information actually being online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Paypal Holdings, Inc
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I 'm not quite sure how to complain about pay pal for running a hard credit inquiry on my credit report. On XX/XX/XXXX, while the latest XXXX I PHONE 6 S PLUS was unveiled. My cell phone carrier is XXXX XXXX. XXXX XXXX has implemented a new phone purchase plan. A customer since XX/XX/XXXX XXXX XXXX has changed their phone upgrade purchases. Previously, phones such as the XXXX phone that was released on XX/XX/XXXX reduced the price for new phone to roughly {$200.00} However, since XX/XX/XXXX XXXX XXXX has implemented a monthly payment plan that had a customer pay a monthly installment ( 0 % ) to pay for the new phone.On XX/XX/XXXX I ordered the new XXXX Phone ( through XXXX XXXX ) and implemented the monthly payment plan of XXXX XXXX. The order was complete, however when attempting a XXXX XXXX FICO score I noticed my score went ( from XXXX ) from XXXX to XXXX. This occurred due to the fact that my XXXX XXXX order of XX/XX/XXXX a XXXX hard line credit inquiry was also preformed without my knowledge and/or consent. I have attempted to call Pay Pal about this and was not successful in having this company removing this from my credit inquiry. I have noticed through this federal agency federal legal action has been taken against XXXX, however did n't see a process to joining any class action settlements.

Company response to consumer: Closed with explanation