BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-01
Company: Paypal Holdings, Inc
State: KY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal charged a credit account I was unaware I had to complete a purchase. When I called PayPal I was told it was my default even though I had other options set up to pay wth them. I 'm confused why I have to use credit and pay interest when I have other options available. They are supposed to be helping for our security not charging credit accounts for no reason to turn a profit. The customer service rep ( XXXX ) and her manager ( XXXX ) were very rude an inconsiderate and played hardball like it was my fault. A total joke of customer service, is that how PayPal operates? Charge customers and then bully them when they inquire. I was very disappointed in a company I trusted a lot, I will no longer advise people to use their services this is abusive and potentially dangerous to many young users like myself. PayPal apparently set this account up for me when I was barely over XXXX. I had no paperwork clearly disclosing anything and could not even tell you the interest rate I am going to be charged. I thought all companies now we 're required to disclose this information prior to any accounts being issued. This is very irresponsible and needs to be addressed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: CORELOGIC INC
State: GA
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 have a credit inquiry that I did not make or authorize. I am not sure why this inquiry is on my XXXX  credit 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 2017-03-22
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a PC from XXXX. The PC was severely damaged. It also came with a window on the side to see the inside of the PC. This had a gouge across the window so that was ruined too. 
PCs are considered to be fragile so I did not want to use it. I asked that it be sent back. They sent me an RMA document to ship the PC back. 
I shipped it back and my balance was set back to {$0.00}. Because I had the PC for more than 1 month XXXX wanted their monthly payment, which I had never missed in the year I was with them. 
I did not see why I would have to pay monthly payments for a damaged and returned item. I tried discussing this with a manager but she was very rude and unhelpful. This was before they received the PC. She threatened to send it back even though I had already received the RMA approval from XXXX. 

They eventually sent me to collections and their collection cronies have hit my credit multiple times with similar but unique company names. Unifund CCR LLC and Unifund LLC. I demand that both of these be removed from my credit and the account deleted as I do not owe XXXX money. 

I am considering legal action against them ( both companies ) and XXXX regarding this issue as this is causing me to be denied credit for a home. I was high enough to purchase a home and now I am in the XXXX because of these negative hits. I am already consulting with attorneys. If these are not removed I will need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27
Company: Performant Financial Corporation
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My defaulted student loans can ONLY be handled by Performant because of the owner of the loan. I would like to reahab my payment plan. I have tried on several occasions to set up a payment plan - specifically the income driven plans since I am poor. 
They said that they would send me the paperwork and details. and after two whole months of waiting, I called them and finally they sent me something, a statement of my loans ... but what I asked for was the paperwork details of this contract which I was to begin payments on. SO, I called them again, and asked why. She said that I had to give her my credit card information and begin payments BEFORE signing a contract or agreeing to anything. I told her no way, and hung up. 
O began talking to XXXX XXXX XXXX, and they said that I was correct, that I should not give any money until I receive a written explanation and contract. 
I spoke with Performant again on XX/XX/XXXX. This time, it was with a different woman, and she said that they would transfer me to a different department after I gave my credit card information to her and made my first payment. I told her no way -- that it was shady business, and that she would n't handle he personal finances that way and neither would I. 
I am filing a complaint today because I have no other recourse. The people who own my loanssay I have to use their collection agency and yet, I can not be convinced without paper contract.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: CA
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:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment XXXX XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT

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 2020-04-01
Company: EQUIFAX, INC.
State: CA
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:
I'm writing because I've requested verification on inaccurate information that's on my credit report. Which relates to late payments Its been well past 30 days and I have not received any update or response. 

Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late Payment : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXXMonthly Payment 4 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 6 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 7 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX  Monthly Payment 8 Late payments : XX/XX/XXXX, XX/XX/XXXX $ XXXX Monthly Payment 9 XXXX XXXX XXXX I NEVER HAD THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: OH
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'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been a customer of Coinbase since XXXX with a simple coinbase crypto wallet. Unfortunately, I lost access to one of the email accounts that was used to log into my coinbase wallet account. I also lost access to the phone number and XXXX XXXX  to that account. However, I still remember the old email and password and am able to log in, but once I log in, there is a security prompt for an XXXX  to that email, phone number or XXXX XXXX ( which again, I've lost all access to ) so I can not progress any further. The last time I had access to this account was XX/XX/XXXX. I've tried multiple times to do an account recovery via their website so I can prove my identity and that I am the person on the account, but no one has responded from coinbase. It seems almost impossible to reach a human as I've only had responses from bots. I've checked on many forums like XXXX and XXXX and it seems thousands of people have or are experiencing the same issue. 

That said, I recently received a letter on XX/XX/XXXX from coinbase and their law firm stating my unclaimed property will be handed over to the state that I reside in if I don't sign this letter and email it back by XX/XX/XXXX to confirm I am the account owner and that I do not want to hand it over to my state. I signed the letter and emailed it to coinbase 's law firm and then I received an email stating that it's not enough and that I now also need to access my account by XX/XX/XXXX. I was confused because the letter stated I only need to return this letter to stop the transfer to the state, but the email response from them contradicted that letter. I've raised another ticket with coinbase in hopes I can prove my identity and gain access to my account again. I am filing a complaint here in hopes to get some help to reach someone at coinbase to assist me and close this case. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
someone transferred money from our savings account into our checking account and then used our debit card at a XXXX XXXX in colorado {$770.00}. Comerica 's fraud department contacted us 1 hour after the fraudulent transaction occured to notify us. The fraud department submitted our claim for the money to be reimbursed to us. We had to take our computers to XXXX XXXX to get cleaned. We received a letter from Comerica where they state they are denying the reimbursement of the stolen money to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Exeter Finance Corp.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello After being unemployed for the past 2 years, I need to get my credit to good standing. I called Exeter to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is showing {$16000.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. Exeter would not make payment arrangements with me and would not offer any type of arrangement for the account. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. I will request a protection from abuse order through the court system if this is not handled ASAP. I believe Exeter has recieved money from the sale of the vehicle and should not be charging me anything. The vehicle was definately not worth more than {$5000.00}. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I applied for a payday loan with cash central on XXXX/XXXX/2016 total amount XXXX they ran the principal & finance amount payment through on XXXX, by XXXX or XXXX, I did get have majority of the loan paid down to XXXX. The representative then called me at work when I told them specifically not to because I ca n't take personal phone calls at work. I then called them back to tell them they could use my debit card to take out the XXXX on XXXX I think, but as most things happen the card would allow it, due to other items coming through. They then called me again at work and the lady I spoke with told me that they will continue to send the payment through and this will cause an issue for me because your bank will continue to charge you fees. I told her not to do that because it 's going to cause other bills not to pay but I will get them paid. I then logged into my cash central account online on XXXX and put in for them to take out XXXX on XXXX which they did, and now the account is down to XXXX. I then logged in again and put in for them to take out another XXXX on my next pay day XXXX, and then I was going to go back in after that and have them take the remainder on my next pay day XXXX, but as of yesterday XXXX they sent XXXX through ( which is half of the XXXX ) which caused my bank to charge me another XXXX fee and my account is continuing to be negative. I do n't know what to do. I know they are going to call me again..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: United Student Aid (USA) Funds
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have had a dispute with XXXX over this since 1994. I completed an " Application and Promissory Note '' for a Consolidation Loan from XXXX XXXX XXXX XXXX, because I was led to believe by a Collector that I might benefit from the program. When I received the Disclosure Statement, some five months later, it was clear that the higher interest rate and capitalization of the penalties was not to my benefit. Therefore, I did not accept the terms of this loan contract, nor sign any agreement, nor make any voluntary payments. Clearly, there was no " meeting of the minds between two parties '' as required by contract law. The loan subsequently defaulted and was guaranteed by USA Funds. It defaulted again and was then guaranteed by XXXX. Since then, XXXX has steadfastly refused to provide me with due process to resolve this issue. Their contract collectors have committed violations of the Fair Debt Collection Practices Act. Both XXXX and their contractors continue to assert that this is an enforceable contract even though I never agreed to any specific terms. The simple question is this- do student loan agreements fall outside of the accepted principals of contract law? Namely, that the terms must be clearly stated, that there must be offer and acceptance, and a " meeting of the minds '' must be demonstrated in order for any contract to be enforceable. Are student lenders immune from these basic principals, as XXXX asserts? Has XXXX deprived student borrowers of their basic rights under contract law, in order to protect lenders? I have attached the ambiguous " Application and Promissory Note '' which states no specific terms, nor does it clearly state the names of the parties entering in the agreement. I have also attached the " Repayment Addendum and Disclosure Statement '' which does state the terms, and which I never accepted. I had rehabilitated my student loan in 1994 when, while checking my options, XXXX XXXX XXXX XXXX voluntarily satisfied my debt without my permission. When I refused to accept their fraud, USA Funds then filed a fraudulent default claim with XXXX. XXXX has been harassing me since 1994. XXXX should be looking to recover the funds from XXXX and/or USA Funds. The simple question I have is this- are student loan banks immune from the basic principles of contract law? How do I get this XXXX?

Company response to consumer: Closed
Consumer complaint received 2021-08-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I advised my credit card company ( Chase ) I had been exposed to XXXX  and couldn't travel. The company 's representative, who refused to identify himself, told me I need medical documentation to get a refund for a {$400.00} flight. I don't know if I have XXXX, I just know I was exposed to someone who tested positive and I spent a significant period of time with them. I don't have medical documentation, I was just trying to protect people. I supposed Chase would like me to get on a plane regardless of XXXX   exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Pinnacle Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have uploaded XXXX letters that explain the problem. These liens have NEVER existed, anywhere!! Equifax lies and claims that they have contacted XXXX and XXXX County and verified, this is a blatant lie!! I have been in both offices, I have been in contact with the IRS, these liens have NEVER existed. Over countless disputes they have ignored my documentation and lied about verification!! They have blatantly changed the dollar amounts of the fictitious liens, and over and over again changed them from XXXX reported to XXXX, and changed back and forth their location of recording. XXXX and XXXX share the same recording system. THESE DO NOT EXIST AND NEVER HAVE!!!!! 
What Equifax is doing to me is ILLEGAL, Stop reporting ALL IRS liens in my name!! 
The XXXX that were real and accurate have been WITHDRAWN!!!!!! 
Anything else has NEVER EXISTED!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Slate Credit Card - XXXX, paper billing stopped in XXXX, XXXX, and XXXX of this year. During this time I did not receive any communication from Chase either by paper, telephone or email. I did not remember how much I was paying and did forward a check for {$80.00}. I contacted Chase to ascertain what had happened. Chase stated that I had changed form paper to email, however I did not receive any emails. Chase went on to state the reason for not contacting me was that a system generated cease and desist was placed on the account in 2010. Chase then reported this to credit bureaus which caused me to lose out on a new employment opportunity. I voluntarily approached Chase and agreed to an {$81.00} per month payment plan. But not for the cease and desist, this would have have never happened. At no time did i convert monthly statements from paper to email, this was mischief. I ask that this negative information be removed from my credit file and allow me to finish out my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Feldman & Stern, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A gentleman from this company called me in an extremely threatening manner saying he was filing a lawsuit on me tonight for a balance from a XXXX for {$190.00}. This debt is 5 years old and they had been sending me notices to an address I have not lived at for 5 years. I explained that I do not have that kind of money at the time, but would be willing to set up a payment plan. He said no, either you 're paying the balance or I 'm filing a judgement and you are paying court costs, too, in a VERY threatening and hateful tone. This man scared me, quite frankly!! I want something done about this, as I am in tears now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: STERLING JEWELERS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kay Jewelers continues to harass my wife on her phone even though she is not on the account and never has been. They also call after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation