BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: Paypal Holdings, Inc
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal has defiantly refused to pay me back my stolen funds. After I made an initial complaint, they claimed said I accepted a payment for cryptocurrency, which is all false. 

My fair business of programing/Coding and selling of open source products to my clients has seriously been affected by the clear stealing of my funds by PayPal over nonexistent damages.

All charge back cases against me has been resolved amicably without an exception. 

I need to make it clear to you that, I did not sale any digital currency, I only created the codes for my client ; I code and create for people. In which case I did not infringe on any of the terms or conditions as agreed in the creation of this account. 

As clearly stated in PayPal 's Acceptable User Policy ( " AUP '' ), this service as regards coding clearly doesn't involve a sale of CRYPTOCURRENCY which would have in its case need prior approval from PayPal, but rather the sale of codes by a programmer to an individual, which in this case requires NO prior approval from PayPal as the payment gateway. 

I hope this is clear enough now, I SOLD CODES, NOT CRYPTOCURRENCIES. 

Whatever the use was later on by the man is clearly not my liability. 

I made it clear and blunt " I completed my own part of CREATING and LISTING '' this was basically coding and uploading the codes. As stated before whatever he might have used the codes for afterwards is not my liability. And it should not be a liability to my business either. 

- There was no sale or purchase of any digital currency from my business. 

- The amount agreed upon between my client and myself was contended and the remaining balance in tune of over {$1700.00} USD was payment for my service. 

- I type lines of codes for people. That's the job of a programmer.

- In line with this ; My rights as a user of PayPal were clearly infringed, as I did not go against your AUP. And with that, firstly the clear mistake of the deduction of over {$1700.00} USD under the transaction ID : XXXX and XXXX respectively should be reimbursed to my account. 

Yet after provision of prove of transaction PayPal denied me refund of my stolen funds. 

I have not poised a treat to PayPal neither have I violated, or gone against it's policy and as a loyal I demand for my refund. 
Refusal is refund me is a scam from a very reputable company, illegal and out of what they have always promised as a legitimate financial institution, an act that can't even stand in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ALLY FINANCIAL INC.
State: IL
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:
Please See Police Report Attached the person was CAUGHT AND CONVICTED

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 2017-10-18
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.

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 monetary relief
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
I had an account that was removed from my credit report months ago and it showed back up on my credit report with a new collection agency. Im guessing it was sold but it was removed from my account before it was sold due to violation of HIPPA act law. This credit company is not properly handling the issue they just keep adding things and not paying attention that the account has already been removed. I have submitted a request to dispute the account again when I shouldnt have to due to it already being removed from my 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 2019-06-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
PLEASE SEE ATTACHED I AM THE VICTIM OF ID THEFT AND US BANK HAS REFUSED TO REMOVE THE FRAUDULENT DDA IN MY NAME I AM ATTACHING MY FTC ID THEFT REPORT AND LETTER FROM FURNISHERS. I ATTEMPTED TO OPEN A BANK ACCOUNT AND WAS DENIED DUE TO THIS ERROR

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 2020-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You reported late payments for my auto loan From XXXX- XX/XX/2020.  These payments were made on time and were not late. I called and spoke to representative and he verified this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am on social security disability my ssi can not be garnished by XXXXXXXX XXXX XXXX XXXX  and I don't have to pay them back. My money is federally protected because it is direct deposited into my account monthly.

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 2022-05-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BARCLAYS BANK DELAWARE
State: AZ
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 called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

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 2022-05-04
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For the last few weeks, I have been receiving DAILY calls from XXXX XXXX XXXX. Today, I received 9 calls from this number. I have set up my payments already in the app, so I am not sure why I am being incessantly called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is USDOE/XXXX  balance {$0.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Pave, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
in XXXX I took out a loan from Pave for around {$12000.00}.
I paid it off in full in XXXX and received a confirmation email.
However, I paid interest during XXXX and XXXX and reported that on my taxes.
In the past 2 weeks, I 've tried repeatedly to get in touch with anyone at Pave via phone, and email but received no response. I can no longer log into their website. I am seeking tax documentation.
It feels very scary that they have been so unresponsive for over two weeks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
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: Information belongs to someone else

Complaint:
I have notified Experian previously that and error was made on my Credit Report. It is has not been removed.The error is XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ca XXXX. This is not my bill. I have never been to XXXX XXXX XXXX. This belongs to another XXXX XXXX. If you check the birthdates it is not mine. I was born on XXXX/XXXX/XXXX and I am XXXX XXXX XXXX. I also have a different Soc. Sec. Number. mine ends in XXXX. I have asked them to remove this negative item because it does not belong to me.

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 2022-05-04
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX. XXXX, I sent {$1500.00} to an individual in exchange for a XXXX  card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. I opened a claim with my bank ( XXXX XXXX ) with claim ID XXXX. Upon reviewing this, XXXX was unable to reverse the transaction. The transaction was performed through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over 30 days ago I reached out to Equifax to validate XXXX XXXX XXXX, letter dated XX/XX/2022. This account is currently reporting inaccurately as an Open acount with an active payment history. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hey, I sent three letter to all credit bureaus in XX/XX/2022, and I was told after any investigation in which an item of the information is shown to be incorrect or can not be validated, the consumer reporting agency should, 1 ) delete the item of information off of my credit report Account XXXX is repeatedly posting charge offs to my account monthly. 
With innacurate dates of account opened. 

Also for XXXX XXXX XXXX I have two late payments posted, in which I payed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX will not give me my credit report online. They require I mail them information sensitive information and documents which puts me and my information at risk for identity theft. Mail is easily and frequently stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed over the copy of the background check that my employer pulled. They used the vendor Sterling Talent Solutions and they stated my aliases were XXXX XXXX and XXXX XXXX. I do not know these people and i have NEVER used those names. My name is XXXX XXXX XXXX XXXX. I just want to make sure this XXXX XXXX is not using my information nor identity. Please help. 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 explanation
Consumer complaint received 2019-07-24
Company: Solidifi US, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Referance # XXXX ORDER # XXXX SOLIDIFI XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I am refinancing my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX XXXX sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX , MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for XXXX XXXX big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-10-19
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with Ocwen and I have allways paid my own taxes and insurance but about XXXX months ago the mortgage company added a very expensive insurance policy double what XXXX XXXX is charging me and I have sent countless doucments with proof of insurance even having my insurance agent contact Ocwen personally to no avail to this day they have n't completely removed the escrow account, every time I comply with what they need the company or their representatives ask for insurance dating back a year and a half ago but never asked for these documents untill a few months ago. I live in XXXX michigian and have had the home since XXXX and would hate to loose my home over a mistake that this mortgage company refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.

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 2022-05-04
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with explanation