BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had a PayPal debit card. I didnt have a bank account at the time. So I had my first stimulus check deposited ( XXXX ) on there and everything was fine. I used my card, withdrew money etc. Well months later I file for unemployment and get a significant return. So I send a friend of mine XXXX or so because I want to help him out. Well I then get an email saying PayPal is going to have to part ways and theyre going to hold my money for 6 months or more. Then I talk to my friend and he said they did the same thing to him!! Keep in mind neither of us have used XXXX  or anything. Theres no one to refund or anything. So long story short Im trying to get my money back. We needed it desperately. We will never use PayPal again we promise!! I have screenshots of all the transactions and more!! I dont understand why they closed the accounts and they never gave an explanation. In fact, most of the responses are automatically generated. Also when you try and call and they say theyre transferring you to a rep but it immediately hangs up. You cant get in touch with anyone. Ive been trying for months. I googled this issue and theres tons of horror stories like mine. Its awful. Thank you. 

Also I contacted Ga Dept of Labor and they sent me whats called a XXXX card so my payments are now going to that praise god, however theres over XXXX just sitting in PayPal. Screenshots are attached!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
Ive tried to cancel my membership with Experian several times, and they still have my account locked down unless I pay them {$20.00} to keep the membership. Im unable to access my credit report in any capacity. I just want the free access and theyre not honoring my request, and trying to keep me out of my account unless I pay them for a membership that Ive requested to be canceled numerous times. Its really upsetting and seems like its potentially illegal to not allow a consumer to even log in to their account without paying money for a service that the consumer has asked to cancel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-09-24
Company: AES/PHEAA
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans state that I received a loan amount in the month that I graduated college XX/XX/2012 from XXXX  XXXX  XXXX. I did not get a check for that month as I was already participating in my graduation process. I have talked with the lender/and or school about the issues and was told that I did receive the check. I feel like there is fraud happening somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company XXXX XXXX was notified via written mail to stop communication over telephone. They continue to call.

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 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 2020-09-14
Company: Consumer Portfolio Services, Inc.
State: WI
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:
Despite that fact that it has been almost a year of me attempting to resolve this unauthorized inquiry, CPS still has not contacted XXXX  to have it removed as previously agreed. That is FRAUD at this point, XXXX  has no record of contact from CPS for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After learning about the power in my credit report I realized I have a large amount of unauthorized inquiries on my report. I have disputed unauthorized inquires on my credit report for over a course of 6 months. The inquires have not been removed or deleted with out any verifiable information. This is hindering me from gaining financial leverage. The credit bureaus have done NO investigation into this matter nor provided any proof. 

XX/XX/XXXX was one of the last disputes I filed before making this complaint and I have heard nothing back from the company at this point they are ignoring my request ... the unauthorized inquiries have no open accounts attached to them nor do I know where they came from ... 

for example XXXX XXXX  for XXXX XX/XX/XXXX ran a hard inquiry on my report with out my consent and has left an inquiry that will not be removed.. I have asked to company to remove it ... I have now closed that account due to the shady busy. 

the following attachments will be the full lists of inquiries on my report the are unrecognized and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management : I recently received extra money to pay off outstanding debts. I went to the collection company website, found the information I wanted to pay off. The amount on the debt was {$700.00}, it showed a settlement offer of {$410.00}. On XX/XX/2020 I paid the {$410.00}. 5 days later nothing was posted to my bank account. I sent a message asking why the payment is delayed, says on the website it can take up to 1-2 business days. XX/XX/XXXX is 3 business days, XX/XX/XXXX would be 4.  Nothing changed no response from the company. 8 days later XX/XX/XXXX I called and spoke with XXXX was speaking to me from XXXX. XXXX first said the payment was returned NSF, after explaining how I was currently looking at my bank account, it has no record of the NSF. XXXX then proceeded to explain that before I could pay the settlement offer I had to decline my dispute on the 2 other accounts, these accounts are over 10 years old, I  said this account that I agreed to pay has nothing to do with the other accounts. I said your company offered me a settlement I accepted this offer. XXXX again explains he can not help me until I agree to remove my dispute, I said is form of blackmail and fraud to offer a settlement then not agree with it. XXXX hung up on me. I then proceeded to call my bank, asked them if any charges from XX/XX/2020 to XX/XX/2020 were returned for NSF, they had no record of any transactions with a dollar amount higher than {$400.00} was attempted. At no point did this company attempt to pay the settlement offer. During the phone with XXXX, I asked can you send me the information showing the was NSF, said he could not do that it was against company policy, that I would be sent a letter with 7-10 business days, nothing showing this information has come in the mail. I sent 2 emails, asking for them to accept the settlement offer that I agreed to pay. Nothing no response. As of this day XX/XX/2020 no information has been sent, no payments have been attempted. When I go back online and look at the account, its blocked out for me to pay, it also shows the same day I paid XX/XX/2020, they declined the amount of {$410.00}. This company should not have settlement offers listed if they are not willing to comply with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX. 

Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX. 

We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX. 

As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX. 

According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time. 

We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my account and unable to respond to my legal claims .. ignoring me for years and trying to get a answer of when they will send a message or emails to my XXXX  attorneys.. they closed my southwest chase credit card because I dont have enough credit which is stupid I dont like to have lots of credit cards in my wallet that leads to serious debts .. and second they increase my credit limit too high without my permission and checked my credit report without my permission.. now I made payments on this card and I want my money returned to me.. otherwise I will contact my third party attorneys.. chase and XXXX XXXX has my money.. I made my payments from XXXX XXXXXXXX and send it to chase bank neither of these companies refused to return my money I paid for and closes my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: AMERISAVE MORTGAGE CORPORATION
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went with Amerisave to refinance my mortgage without escrow costs, pay off some credit cards. I was told this would be a easy process as my credit score was excellent, I had enough equity in home, They were past difficult after I gave them {$500.00} - my loan officer barely returned my calls, I repeatedly got emails asking for more and more documents and the same documents I have already submitted. I found out through the backdoor that the {$500.00} was subtracted from the closing costs ( I was never told that ). It got so frustrating and my loan officer actually got hostile when I asked questions and said I wouldn't sign documents until I got answers which I never did. They sent me an email asking for proof of a XX/XX/2021 payment on my mortgage. I never made a late payment or missed a payment, Called my current mortgage provider and they had nothing on my account reflecting that. I asked Amerisave to send me copies of the credit reports they received and they said it was illegal. It is not - the Fair Credit Reporting Act lets them send them to you. She also said nothing in her email said anything about a missed or late payment ( which it does ), This company needs a class action lawsuit against them as they have scammed many potential borrowers, asked for documents that are not relevant to the closing. I can't believe I was soooo scammed by this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
TransUnion response to my complain was incorrect Information I  have never paid worth finance ever. I came to this company because I sent TransUnion my identity theft report the irs agree with being identity theft and my police report number and proof XXXX  XXXX XXXX saying that was a fraudulent check and my online banking was hacked. TransUnion also would not tell me whoes account they were using my debt card for to pay a monthly subscription.i asked bc my debt card was new and same with my bank account later they sent me a check giving me my money back. I know I had paid in the past however the i has canceled the subtraction because I was over charge just like they everytime and I can never see my report and they also send me my report through the mail in XXXX. Im going to get a lawyer if the incorrect information on my report does not come off. I can never get anyone on the phone there either I get disconnected as soon as the conversation goes into TransUnion making mistakes. I want to know how they new my debt card number and who the family member using my debt card. And I want proof that they can verify I ever paid worth finance. If I ever paid worth finance then why is the balance the same?

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 2018-07-25
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3rd complaint I'm sending regarding Medical Business Bureau. Please see my complaint ... followed by their response. 

My complaint : I filed a recent complaint with CFPB regarding complaint number XXXX in early XX/XX/XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP Their response : We verified the debt with the hospital and a letter was sent to the consumer informing them that the account is owed. The consumer may contact us at XXXX. 

By law, they are required to validate the debt with me since I am the consumer. All they sent me was a bill which list the amount they say I owe, they did not send me anything bearing my signature that I signed which under the Fair Credit Reporting Act, I am entitled to receive. This is fraud and both negative reporting items will need to be removed ASAP!!!!!!!

Company response to consumer: Closed with explanation