BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX XXXX XXXX regarding a XXXX debt of XXXX. The letter was addressed to XXXX XXXX, which is not my name, but sent to my address. I know nothing of this debt and tried phoning the number in their letter to explain this. However, every time I attempted to press Option XXXX I was directed back to the Options menu again. I wrote to the company instead explaining that I was not XXXX XXXX and knew nothing of this debt and asking them not to contact me again. However, my letter was ignored and I now receive daily automated phone calls urging me to telephone them, despite the fact I am registered with the TPS. Although I have blocked their calls, they leave an automated message. 
Yesterday, I received a letter from XXXX, another debt collection company, again addressed to XXXX XXXX, and this time the debt is for XXXX due to XXXX XXXX. Again, I have written to them to inform them I do not owe this money and I am not XXXX XXXX. The letter was sent by recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Paypal Holdings, Inc
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Paypal Holdings, Inc
State: NV
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
PayPal signed me up for PayPal Credit. When I complained, Phone rep claimed I " opted in '' via their website. This is probably factually accurate but I sure do n't remember asking for or approving a line of credit when I opened my PayPal account. Account was closed without dispute, but the practice is questionable at best. Their disclosures simply are n't adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.

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 2022-01-31
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX DPT ED/XXXX XXXX DPTED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX 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 explanation
Consumer complaint received 2022-01-31
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX DPT EDXXXX XXXX DPTED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2016-09-11
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am submitting this complaint about transunion as I have been disputing incorrect information that is reporting on my transunion credit report. XXXX is reporting XXXX loans that have been charged off to a bad debt. This information is incorrect as there way only XXXX loan taken not XXXX. I contacted the XXXX in regards to this and received a response from them today that they have attempted twice to contact XXXX on my behalf and they have not received a response and must close the case. I am submitting this complaint to the fcra because to my understanding if a company does not respond within the allowed time frame it must be deleted. I am requesting that this XXXX loan that is reporting incorrectly be removed.

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 2022-01-31
Company: Telsa Motors Inc
State: CA
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:
I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Tesla Finance XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The only banks I bank with are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2016-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with documentation that was used to verify the accounts I previously disputed. Because TransUnion has exceeded the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' of the information I disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2016-08-13
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a prepaid Visa card. I attempted to use the card through PayPal and then through eBay to pay for an item under {$500.00} I agreed to purchase on eBay with PayPal. I was not able to do so. 
As a result, I called PayPal. The PayPal customer representative told me that the bank declined the transaction. ( It turns out this was a lie. ) I called the bank that issued the prepaid Visa card. The bank representative informed me that PayPal 's policy was to reject all prepaid Debit cards. 
I called PayPal back to confirm this. The PayPal representative I spoke with said that PayPal 's policy was to reject all prepaid Debit cards as PayPal was unable to verify identity. I asked to speak with their manager. I was placed on hold for 10+ minutes then routed to someone who not a manager, but who I suspect was a grievance specialist. This gentlemen said he could do nothing for me, nor identify me, and I would need to call PayPal back. He did suggest to me that I could use PayPal 's own prepaid Debit Card and I would not have this problem. I asked him to route me back to the original group. He said he could not do this either nor could I speak with his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report states that I owe {$400.00} to XXXX. I have n't had an account with XXXX in over 7 years, nor did I owe them money when the service was transfered to the new tenant in the building the service was being provided to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Professional Debt Mediation, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of thelast letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and stillnothing from them. That means Equifax has NOT complied with the FairCredit Reporting Actlaw and continued to report inaccurate information on my credit report. UPDATE OR REMOVETHIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: JPMORGAN CHASE & CO.
State: DC
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:
I have been trying to get an explanation from Chase about interest charged to my account for purchases, when there were no purchases. The most recent two statements show a purchase balance subject to interest rate, yet Chase has not been able to identify the purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Every year I have to dispute personal information with transunion and this concerns me especially when I provide identification to validate errors. They have added these names to my report : XXXX XXXX XXXX and XXXX XXXX. I have never had these names. I provided my social security card and drivers license to validate this three years ago but every year I'm disputing new names. Also, how are they applying new names to my file when I don't apply for credit unless I remove the freeze temporarily? Why am I fighting this error every year with wrong names displaying?

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 2017-02-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank permitted a scammer company to place {$12000.00} on my credit card account. I had no knowledge of the charge amount ; I did not authorize ANYONE TO USE THIS ACCOUNT NOR DID I GIVE ANYONE THE CARD NUMBER. I am the only authorized signer on this card!. This {$12000.00} was also put on my credit card AFTER I had closed all accounts at Chase Bank!! 
I have complained about this situation in the past. Chase Bank has now charged off this amount but that has decimated my credit score and has resulted in my not being able to secure a mortgage.

Company response to consumer: Closed with explanation