BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: Alorica Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX I attempted to use PayPal to transfer money to another PayPal ccount as I have done many times in the past. The website has been updated and rather than the usual transfer, PayPal interpreted my request as a request for an e-check issued on my bank rather than transfer from my PayPal account. There were insufficient funds in my account to cover an e-check because I had transferred the money to my PayPal account. My bank charged me {$30.00} for the insufficient funds transaction. I contacted PayPal through their dispute resolution process explaining the problem and asked them to cancel the E-check. Today XXXX XXXX XXXX ), I received a second notification that my bank had charged me a further {$30.00} as PayPal had made a second attempt to withdraw funds from my account. 
I also attempted to contact PayPal through numerous telephone numbers they provided for customer service ( Including the XXXX PayPal provided in their email response to my disput request ). All of these numbers answered with the message " You have reached a non-working number ''. 
i also made a second attempt to transfer money between PayPal accounts. The transaction was sucessful, but failed to display a confirmation page to review the details of my transaction before confirming it. the transaction just went through without the intermediate page. 
There seem to be several problems with this experience .... 
1 The PayPal website apparently misinterpreted the payment type I requested, initially costing me a {$30.00} penalty from my bank. 
2 PayPal acepts no responsibility for potential problems in their new website. 
3 PayPal provides no real-time human help for customer problems or disputes but provides several non-working telephone numbers giving the impression that they provide such a service ( e.g. XXXX XXXX XXXX ). 
4 PayPal ignored my request to cancel the erroneous transaction and incurred a second {$30.00} penalty for me by ignoring that request and submitting the payment request to my bank a second time. They also do not provide a feature on their website to cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
Hello, I am writing to make a complain against Paypal XXXX and XXXX XXXX XXXX XXXX which dealying adding money to my account and holding the money for a week without any progress ( PayPal Ticket # XXXX ). 

On XXXX ( Mon ), I bought XXXX PayPal cash card ( each with {$500.00} XXXX and tried to load into my PayPal account. The loading failed with " my cash card error code = XXXX ''. I retried several time and all failed with the same error. Then I called customer service in the evening and a ticket ( # XXXX ) was created. As requested, I emailed them immediately after the phone call the pictures of my driver license, front and back of the receipts and PayPal cash cards. I was told it somebody should contact me in XXXX hours XXXX 3 business days XXXX. 

But nobody contacted me since then. On XXXX ( Thu ), I called back and was told they received my documents on XXXX XXXX, I should wait for another day. On XXXX ( Fri XXXX, I called again and was told no updates, I need to wait for another day. I wait and called again on XXXX XXXX Sat XXXX, still no news, have to wait. I then called again today ( XXXX Mon ). Still no update, suggest me to call back again tomorrow. 

One week passed, many phone calls, wasted so much time and still no updates. I do n't think it is right to hold the money for indefinite period of time. I have no other choice but to write this complain and hope the issue can be solved ASAP. Thank you! 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: Paypal Holdings, Inc
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
PayPal Credit signed me up for unwanted online credit, which I did not request or authorize. It also sent me a credit card statement with XXXX charges on it that I never ordered. Please see my letter to PayPal Credit dated XX/XX/2016 which gives more details on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Without realizing it I signed up for PayPal credit while making a purchase. I was unaware of having done so and eventually accrued more than {$92.00} dollars in interest and fees in the 6 month period. I was unaware that the purchase had not been paid in full at the time. PayPal credit also signed me up for a {$1000.00} credit line, which I also did not intend to sign up for. PayPal also conducted a " soft '' credit check against my account, which I also do not recall being notified of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: Darnel Quick Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I first became aware of the debt when applying for a apartment and as it 's reporting on my credit report affecting my ability to get a home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: The Regional Adjustment Bureau, Incorporated
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a private student loan that went into collections in XXXX. In XXXX I began paying the loan back. The loan was apparently bought out by Regional Adjustment Bureau, they called me in XXXX of XXXX at my work and harassed me. I paid them a large chunk of the loan to start a payment process and for about a year they were taking monthly payments via auto deduct. In XXXX they stopped taking the payments and began to call my cell phone, my parents home number and previous employers. They call multiple times a day and when I do talk to someone they are rude and refuse to send me any written documentation, claiming they already have, although I never received any. They have also left messages that someone will show up to my home or office to arrest me. They have given out personal loan information to my parents, even though I am over XXXX years old. They have now begun to call my current work place, even though I have asked them to stop calling me all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have send dispute letter to XXXX, XXXX and Experian asking the verifiable proof for the accounts thay have filed in my report. 
They have failed to prove them 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 explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$420.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.

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 2016-07-16
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from EOS CCA in XX/XX/XXXX to XX/XX/XXXX claiming I owed a debt to XXXX XXXX XXXX for {$150.00}. The debt was reported to XXXX and XXXX. I disputed this debt through XXXX and XXXX claiming the debt was not mine around the same time I received the notice of an attempt to collect a debt. I have never received services from XXXX or XXXX at any point. EOS CCA did n't respond the inquiry and as a result XXXX removed the debt. That was around XXXX XXXX to XXXX XXXX. I thought this was resolved. Now, fast forward to XXXX XXXX and I am receiving a notice of collection placement from EOS CCA again stating they are attempting to collect a debt for {$150.00}, which is the same debt I successfully disputed and had removed from my credit reports. I need help with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid my account to XXXX for the amount of {$180.00} and I called them several times to make sure they already report it to equifax credit bureau and they say yes but my credit report it 's still shows not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is incorrect and is showing up in my credit please remove DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your XXXX Credit Score. Your credit report shows recent missed and/or late payments with creditors.

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 2015-06-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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