BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This account WELLS FARGO BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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 personal information ( name, social security, date of birth, etc ) was part of the data breach by Equifax. They have confirmed that my information was affected. I believe that a company that holds such important documentation for many people should be much more secure in their work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a student loan that was opened through XXXX XXXX Navient opened in 2003 account # I have a number of late payments that are showing up on my credit report from this loan and even yet still reporting 14 years later! These late payments occurred because Of False certification ( Ability to benefit ) I was XXXX at the time and when I went in for a school tour I was given False information and I was told I did not need to have my high school diploma or GED after I told them I did not meet the criteria. I was then giving an entry exam along with a cheat page that had all the correct answers to the test in order to pass it and for them to obtain financing for the loans. At the time I was completely unaware this was against the law and others same situations regarding charges against XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX changed name to XXXX XXXX XXXX Since then it has been extremely difficult to find a job in the field for which loans were taken out for because of no high school diploma or ged therefore putting me behind on repayment. I had to get government assistance to take care of my XXXX children and still struggling with getting back on my feet due to my credit history I am unable to get a house or permanently situated.I am not disputing the fact that these payments were late. I have worked extremely hard to get back on my feet and repair my credit. I am at a point now where I am attempting to buy a house. Having these late payments and prolonged 14? year old student loan dept on my credit report is making it very difficult for me to get financing for a home. I need these late payments and student loan reporting removed from all three credit bureaus. I have taken the time to educate myself on how to avoid this from happening in the future in hopes to better my life for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX.XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 2022-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX  Account # unknown Amount unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. 

This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Never received communication of any kind from original creditor.

2. Never received a tear off dispute portion of any letter sent from collection agency to return via mail.

3. Never received notice of my rights to obtain documentation and verification of alleged debt nor my options if I disagree with the debt.

4. Never received a verification notice 5. Never received information of how this debt occurred nor what the debt consisted of.

6. This debt was part of a XXXX XXXX. No contact information provided of original creditor.

8. This agency reported this invalid debt to national credit reporting agency 's and have threatened to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My full name is XXXX XXXX XXXX Im from the United States PayPal permanently limited my account on XX/XX/2021, I never violated the acceptable use policy. 

PayPal arbitrarily debited my entire balance of {$11000.00} with the Transaction ID : XXXX Under the common law liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

Previously PayPal said I violated the bogus prefabricated Acceptable use policy, in accepting payments. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent.

2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money.

4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers.

5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation.

6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached ZERO! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment.

I will be joining a class action lawsuit against PayPal, if this issue is not resolved promptly. 
I have tried to resolve this many times with PayPal and they always give me bot prefabricated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: IN
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 XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Meyer & Njus, P.A.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I contacted Meyer and Njus about my monthly payments of {$250.00} to put a stop payment on the month of XXXX. The Man I spoke with XXXX said they can do that and hold off until XXXX. The following week that payment was still taken out and my bank account overdrafted. After seeing this I contacted Meyer and Njus and they said they will reverse it but its been almost two weeks and still nothing came back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Equifax XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Social Security Number : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 15-30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN : Last 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have {$200.00} locked in Cash App and they are so busy playing the covid-19 game were they are not taking anyone 's phone calls nor are they solving any problems. It's been months that I've tried to retrieve my funds from Cash App with no prevail. I've when to their XXXX site on several occasions trying to correct the problem and it's like communicating with a 2 year old robot that has yet to be programmed with the right intel while they are SOOOO BUSY plus COVID and any fool can see that XXXX. I've been trying to solve this problem since last year and i'm still at square one. How does America have they XXXX people in place straight doing fraud; committing crimes and its allowed? If at all possible, could you please step in and also begin an investigation, bring them up on charges and shut them down. Please feel free to contact me for ANYTHING that could possibly help to bring this establishment to NON-existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, some time after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection agency called IQ Data that is on my consumer reports ( XXXX, XXXX, XXXX ) that i have no knowledge of and they are violating my consumer rights. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. IQ Data has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/ 2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.

This company is claiming that I owe an alleged debt that I have no knowledge about. Notice the term " Debt '' means an alleged debt. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report you are communicating and I am demanding you cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: RIA FINANCIAL
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for 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