BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This is the letter I sent to Senator XXXX and XXXX Senator XXXX, thank you for investigating Wells Fargo. My issue is that in 2007, Wells Fargo issued a debit card in my name and sent it to a address did not reside at anymore. I retired XX/XX/2007 from the CID IRS. I was not living in the state when they sent this unauthorized card. I had moved to a house I purchased in XXXX. During this time frame I wanted to refinance my house in XXXX in order to get a better rate. I was denied and told that I owed Wells Fargo money I had not paid back. I contacted Wells Fargo and gave them my new address and phone number. I instructed them as to how to find out who used this card and sent an affidavit stating I had never ask for or received this card. They then started to call and threaten me to the tune of over 600 calls. This lasted for over 2 years. They then sold this debt to a collection agency in XXXX and it started all over again. I could not get refinancing for my house in XXXX and XXXX. I ended up losing both. I then had to use my 401 money I was saving for old age income and ended up having to pay penalty and additional tax rates of over {$48000.00} I would not have had to incur. Since the government has fined them, how can I apply for some of this fine for the actions they took against me and the fact that they destroyed my credit during this entire time frame. I have just now gotten a credit score that allows me to finance my current home. I would appreciate you help in this matter as I have contacted our state senator with no help. Can I fill out forms to receive some of the money back that I incurred for relating to all of this illegal activity and the ruining of my credit. The credit agencies would not help at all. Please continue to get the big brass removed or prosecuted. Thank you for all that you have been doing.

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 2015-09-17
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a phone call this morning from ARA XXXX claiming to be a law firm ( XXXX ). Claimed I owed a line of credit to XXXX XXXX XXXX for {$20000.00} from 1992 and that I needed to pay immediately or they would file a lawsuit with the XXXX XXXX Courts and the sheriff would be at my door with a summons. I told them I have never done business with XXXX XXXX XXXX and have never had a line of credit. He said that it has showed up on my credit report for years and many attempts have been made to collect. I told him I have never seen this on my credit and I do not owe the money and that the statue of limitations has already passed. He said I must owe the money because I know of SOL and that he could make a deal with me to settle the debt if I paid now. I once again told him I did not owe the debt - he then processed to talk over me in a very threating manner saying that he was going to file the suit and the next time I hear from then it would be the sheriff at my front door - he then screaming some profanity at me and hang up. I am over XXXX and feel that this type of behavior is getting out of control especially with the senior population.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.XXXX, XXXX XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXXXXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXXXXXX {$250.00}

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, XXXX, and TransUnion since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or Navient. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!

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 2022-10-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2016-09-24
Company: Paypal Holdings, Inc
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Because I filled a CFBP complaint Paypal customer service is stating that they are not allowed to speak to me because I filled a CFBP complaint Case number : XXXX. I filled a CFBP complaint and not a lawsuit so it 's not clear why Paypal is behaving this way. 

Paypal customer service suggested I instead write to Paypal 's Legal Department with any question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

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 2020-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was acquired on XX/XX/XXXX and it was required to have FHA insurance on it until we reached 78 %. It should have fell off automatically since it was acquired before XX/XX/XXXX. 

I had requested by phone twice in XXXX to my local fifth third branch to remove it when it was not done automatically. I was told it would be removed but it was still on my XXXX payment and it went out, for {$72.00} Fast forward I even emailed corporate on XX/XX/XXXX to have it removed for XXXX payment. I called today XX/XX/XXXX to check on the status and was told I will need to pay again in XXXX and it wouldn't be removed until after that. I told them that was not correct and that they are breaking the law not removing it. The lady would not give me her name and she hung up on me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}

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 2020-08-10
Company: Nationwide Recovery Systems, Ltd
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery Systems are attempting to collect on an alleged / un-validated debt for {$640.00} ... .while they have reported this information to the credit bureaus, without EVER mailing me a notice. I was never given the opportunity to dispute the debt at all. I also believe that, this debt may have reached the statute of limitation for collection and this agency has re-aged this account over and over in an attempt to collect on it. I am not aware of any medical bills that is in my name in the amount of {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I wanted to sell a few things on Ebay. Ebay instructs sellers to create a Paypal account in order to sell on its website. Ebay collects the sales price and then disburses the proceeds, after deduction of Ebay 's fees, to the seller 's Paypal account. I therefore applied for a Paypal seller 's account so that net sales proceeds could be paid to Paypal. Paypal requested and I supplied my bank account information and a credit card. They also demanded documentation of identify. I uploaded a copy of my driver 's license. The bank account was verified and the credit card was approved. I received an email message from Paypal that I was " verified. '' A few hours later I received an email demanding that I supply a copy of my credit card statement and my bank account statement. This demand is what I find to be overreaching. The credit card statement reveals my credit limits and other personal information. My bank account statement reveals my deposits, payments, to whom these payments are made, and other private information. I do not wish to reveal this information. It is too intrusive just for the ability to sell a few things on Ebay. To have this personal information become part of the business records of Paypal to do with it as they please is concerning to me. And no entity appears to be immune from hacking. These statements in the hands of hackers could cause me identity theft problems and could open the possibility of my bank account being accessed and my credit card impacted. Additionally, I have separate buyer 's account at both Ebay and Paypal. The Paypal buyers account has been in use for about 10 years without any misbehavior by me so that these additional requirements seem to be overreaching and designed to obtain unrestricted access to my accounts. It also creates privacy and overreaching concerns. There is no legitimate reason for these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A representative of Evergreen Financial Services, who called herself XXXX XXXX, called my place of employment during business hours. Until this date, I had no prior knowledge of any outstanding balance. She was very aggressive and demanding that this issue be resolved. I told her if this was a valid balance owed, I would look into it and resolve the issue as soon as possible. She asked me questions like how much is my income, where is my current street address, which I do not give out to any stranger over the phone. She became agitated and kept repeating the same thing over and over, as if I were to resolve the debt immediately, meanwhile I am trying to conduct business at work. I have no problem clearing this debt, but with such unprofessional business practices, the last thing I want to do is send Evergreen Financial Services money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Paypal Holdings, Inc
State: NH
Product: Credit card
Issue: Late fee

Complaint:
While on an extended vacation from XXXX XXXX 2015 to XXXX XXXX 2015 traveling across several states I did not receive my PayPal Credit statement with a balance due and subsequently on the next Statement that I did receive was billed a late fee of {$25.00} with interest charge of {$2.00} ( {$27.00} total ) for a purchase totaling {$62.00}. I submitted one XXXX web site contact email requesting to have the late fee and interest removed, have received no response from XXXX. I subsequently submitted an email to the Director of Investor Relations of XXXX requesting the late fee and interest to be removed with no response. This is the first and only time I have been late in making payments against my PayPal account - we use other credit cards extensively without ever triggering any late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default " steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said, " They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit, that I never opened with them in the first place, and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud, stay away from Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: National Credit Systems,Inc.
State: TX
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 have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid. 

The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan in XX/XX/XXXX for {$1000.00} online. The money was in my account the next day. But I never received the paperwork I signed. I called but never answered. So I emailed them a few times asking what is my percentage and got a email about 3 to 4 days later. Thats when I saw my percentage for 785.55 %. I already used the money. So I emailed them ill pay my {$1000.00} but not more then that. I have XXXX asking me to pay {$2000.00}. I made 2 payments for {$320.00} on XX/XX/XXXX & XX/XX/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 2016-09-16
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received counterfeit items from eBay ( XXXX pairs of headphones for a total of {$310.00} ) on XXXX XXXX, 2016 but was unsuccessful returning those items to the seller on eBay. As PayPal offers buyer protection, I opened up a case on XXXX XXXX, 2016, requesting a refund. I was instructed to send the items back to the seller before XXXX XXXX, 2016 to receive a refund. I went to the post office to ship the package on Saturday, XXXX XXXX, 2016, and the employee told me that the XXXX XXXX address was unlike anything he had ever seen and highly suggested not to send the package. I called PayPal, who assured me that the address was correct. Additionally, I was told that it would be acceptable to send the package on Monday, XXXX XXXX, 2016, since the post office is closed on Sundays. This package ended up costing around {$50.00} to ship, hence why I made sure to double check with PayPal before I sent the package. I woke up on the morning of XXXX XXXX with an email saying that the case had been closed but was reassured once again that I could reopen the case after I sent my package. On XXXX XXXX, 2016 I received an email saying that the resolution was : " As you have provided valid information supporting your appeal, we have sent a courtesy email to the seller requesting that they issue you a refund to resolve this claim. '' It is now XXXX XXXX and I have still not received a refund. Throughout this entire process I have called PayPal almost 10 times, being given reassurance and instructions that I followed. My phone call tonight was escalated to a supervisor and a manager, but PayPal was still unwilling to give me my money. The first representative left the seller a voicemail and sent an email reminding them to refund my money. I asked why PayPal could n't refund my money and was told " well you would n't like it if we took money out of your bank account. '' I was escalated to a supervisor who told me since I did not send the item within 10 days that PayPal is not legally responsible for getting my money back. I was then escalated to a manager who told me the same thing. Despite my constant communication throughout this entire return process, in the end PayPal was not willing to refund my money. When I view this case online, it shows that the decision has been 'granted '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have over drafts fees because they say the merchant sometimes takes money out later. But when I check to see if the money was took I was but they say no I sometimes takes days for some merchant.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}

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