BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: EQUIFAX, INC.
State: WA
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:
In XXXX I requested a copy of my free annual credit report from Equifax as I had done for several prior years. I received a form letter from Equifax dated XX/XX/XXXX which said they needed additional information from me, according to two categories one labeled Identification and the other labeled Current Address. Each category listed several examples of acceptable documents. I sent a copy of my original Social Security card and a copy of my XX/XX/XXXX Annuity Statement from the XXXX XXXX XXXX XXXX XXXX which provides my address. 

I then received an identical form letter from Equifax dated XX/XX/XXXX with no explanation but requesting the same information. In order to ensure that I would provide the correct information, I called Equifax and spoke to a representative who gave her name as XXXX. I explained the situation to her and she advised writing a cover letter indicating the two pieces of information I would include. I asked if providing a copy of my US Passport and XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX would be acceptable and she said it would be. I prepared a cover letter and sent it with the two pieces of documentation as instructed and approved by the Equifax representative. 

I then received a third form letter from Equifax dated XX/XX/XXXX, also identical to the first two letters and again with no explanation. I subsequently contacted the CFPB and it was suggested I submit a complaint, which is contained herein. Attached to this file are copies of the letter I sent to Equifax in XX/XX/XXXX ( note the typed date indicates the year is XXXX which is a typo ; it is corrected in pen on the copy attached to this complaint ), and copies of the two documents I sent with that letter, i.e., my XXXX Passport and my XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX. I have redacted private information from these two documents sent with this complaint to the CFPB due to lack of computer security with electronic transmissions. This private information was not redacted from the documents I sent to Equifax via the US Postal Service in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, On XXXX XX/XX/2022, PayPal has decided to close my PayPal account. My account has been closed due 'violation of PayPal 's Acceptable Use Policy ''. Until today, I have not received any explanation of what exactly is against their policy and also can't find anything that I possibly would have violated.

I have received an email which told me that my funds would be available after 180 days. However after I have checked my PayPal account, I mentioned PayPal took {$3.00} USD from my account with the description " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation '' on XX/XX/2022, which PayPal is not authorized to. 

I have been cooperative with PayPal and not complaint about my account getting suspended. Even though I didn't agree with PayPal 's decision to close my account, I respected their decision. It's their platform & they decide who can use it. However, it's absolutely insane that they took ( stole ) {$3.00} USD without any explanation. They don't have any rights to do that and I want to have my money as soon as possible, withdrawn to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Netspend is not posting my Car Payments online when I make the payment and it is not reflecting in my balance.

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 2017-06-07
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with  XXXX ,  XXXX  and Transunion in regards to  XXXX   XXXX   XXXX  collection account listed on my report. And explained that  XXXX   XXXX   XXXX  is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent  XXXX   XXXX   XXXX  a letter certified mail return receipt requesting validation under the Texas  Financial Code 392.202 , Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated  XXXX   XXXX ,  XXXX  and  XXXX   XXXX   XXXX  failed to property follow the law and never contacted me in regards to my request it has been over  XXXX  years and  XXXX   XXXX   XXXX  has yet to validate and verify the debt to me per my request as of  XXXX   XXXX ,  XXXX . After giving them ample time to respond I disputed with the credit reporting agencies and let them know of  XXXX   XXXX   XXXX  lack of response in regard to the credit line in accordance with Texas and  Federal Law. However, once disputed on those grounds  XXXX ,   XXXX   and TransUnion verified it thus also being in violation.

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This was not sent in error. I am a consumer by law and in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results

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 2021-03-25
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my XX/XX/XXXXcredit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The money was withdrawn out of my checking account on XX/XX/19. It was promised that the money will be in my receiver 's account on XX/XX/19. Today is XX/XX/19 and no money in my receiver 's account. I called customer service but I could not get a hold of a human. The computer just hung up when I attempt to be connected to a human. I chatted online with customer service and they said to wait a few more days. A few days went by and still no money in my receiver 's account. I called customer service again and again the computer would not connect me to a human. I chatted online again with customer service and they told me to call customer service. Nobody at Western Union is telling me when my receiver will get the money I sent on XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: LEXISNEXIS
State: NV
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 have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called on  XXXX   XXXX  requesting options on how to lower my principal amount. Unfortunately, I went into  Income dri ven Repayment program but instant of seeing a deduction of my principal, I see an increase over and over. The amount stills $  XXXX  since my graduation date back in   XXXX  . I mentioned that I worked for th e    XXXX   XXXX   XXXX   for 8 years if any portion of my loan could be forgive, they said no. Their option was to add more funds to my payments, which is totally ridiculously. Specially, now that I found out that my position will be eliminated in  XXXX   XXXX . Therefore, I will be unemployed after  XXXX   XXXX . It saddens my  heart that  something that I did to better myself, pursue an  XXXX  had cost me such of major debt and nobody is willing to help me. I did n't said that I was n't going to pay, I was seeking for assistance on how to lowered my principal and eventually payoff my debt. The education format from  XXXX  is heavily criticized, all funds paid and was n't top notch education!! Please help me understand why I could n't get any positive outcome fro m Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I, XXXX XXXX closed a checking account from XXXX XXXX in 2017 with no pending charges or balance. On the consumer report from EarlyWarningSolutions the account reported as Unpaid and states a principle loss of {$15.00} which the bank directly can not confirm this charge. On the consumer report also states a fee reversal of {$370.00} which is incorrect or invalid. Contribution Ref # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: MO
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 told Synchrony Bank that I was having problems with XXXX and XXXX for double dipping into XXXX XXXX. I just got a check from XXXX to get me out of debt. I paid Synchrony Bank for the different credit cards that I have with them Synchrony Bank has chosen to kick me out of the different cards. 
I have a notice from them dated XX/XX/XXXX stating this and a few others. 
I also have XXXX, XXXX and other physical XXXX. The Sam 's Club with Synchrony Bank still has been calling up. 
Synchrony said that they would not call me up. So, I am somewhat saddened would use this type of a situation to do this. I can't help what my bank did, or the health insurances. 
Synchrony used XXXX  for their information. 

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 2022-03-11
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have done everyone asked of me and waited over a year but Pay Pal won't let me transfer my money. This company has made money off fees from my business account for over a year. It is unlawful for any business to do this to clients or partners where there are profits involved. I need help with this issue please help me. Reference ID : XXXX contact me at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Synovus Bank
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has the count as 120 days late on XXXX, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX   the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my name to XXXX  out a person I wasnt aware of it and Ive been paying on this debt to get it off my report because of failed disputes Ive also sent a letter for the collector A-1 collections to prove that the debt is mine but Ive yet to get a response I will no longer pay this debt because its not fair that I have to pay for something that was put on my credit due to identity theft and as I pay off the debt the company increases the amount each month

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, I was scammed out of {$650.00} that was taken from my account through my debit card. The assailant also purchased items through XXXX, and XXXX. 
Claim # XXXX for {$330.00} Claim # XXXX for {$160.00} Claim # XXXX for {$120.00} This claim was for a {$50.00} gift card from XXXX, a {$25.00} to XXXX gift card, and two {$25.00} gift cards at XXXX. They were all purchases that the assailant made with my debit card. The total amount equaled {$620.00}, plus {$150.00} was charged to my credit card. 

I filed claims on each fraudulent charge with my bank and they are refusing to pay it back as they say it was not in their error. I have spent more than three hours a day, since XX/XX/XXXX, on the phone with my bank trying to resolve this matter. I received letters in the mail today saying they were not going to pay it back. 

I had also filed claims separately, for three charges from XXXX {$33.00} for toilet paper I didnt receive, and XXXX for 2 charges of {$24.00} that were for a subscription that I did not subscribe to. 
They credited my account for the one of {$24.00} charges, and the one for {$33.00}. Im having a really hard time understanding how they could have returned these two charges but not credited me for all the charges that were illegally taken from me through my debit card. They also credited what they called a card final payment of {$57.00}. I have no idea what that is for. 

I am at my wits end and dont know what to do. As Im sure you know, times are hard and that money is my only way of survival. I could not get unemployment and I desperately need this money back. PLEASE can you help 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 2021-03-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was opened by my ex wife. We are in court right now trying to get her to pay.

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 2019-12-05
Company: Prizm Financial Company, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have repeatedly asked this company not to call or email me, not to call or email my references. They are threatening to repossess my vehicle that is not even 30 days delinquent. And they forwarded my personal information to another one of their customers I have multiple emails 50 to support this claim. Please help me. 


_______________________________________________________ From XXXX  XXXX prizm Financial Pay   your car payment. That's how you avoid emails. It's in your contract. Again if payment is not received by the end of the business day tomorrow, your account will be sent to our Repossessions Department. 

Thank you -- -- -- Original message -- -- -- From : XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : ; Cc : Subject:XXXX REPOSSESSION XXXX, Your account is being transferred to our Repossessions Department for further review if a payment is not received by the end of the business day tomorrow. 

Thank you XXXX XXXX -- -- -- Original message -- -- -- From : XXXX XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : Cc : Subject : Re : CALLING REFERENCES AT XXXX TODAY XXXX XXXX, I appreciate your feedback. We tried reaching you by e-mail, home and work to no avail. If we do not have a payment or arrangement to pay we will be forced to contact your references in hopes tor each you. Please be advised that in the state of Ohio your car could be repossessed after being only one day past due. 

Thanks, XXXX XXXX XXXX Prizm Financial XXXX XXXX ** Effective XX/XX/XXXX our office will be relocating to : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX ___________________________________________________________________________________________________________________________________________________________________________________________________ ( XXXX XXXX To : you Details XXXX To XXXX XXXX Cc Bcc _________________________________________________________________ Hello This was sent to me last month ( forwarded by XXXX XXXX but I believe this is in regards to your account. You may want to contact them or an attorney in regards to the security/privacy of your account. Your email/account status is suppose to be confidential and should not have been sent to me, another customer of Prizm. This company and most employees are very unprofessional and I just wanted to make sure you knew your account info was shared ( even if in error ) as I would want someone to do the same. 


Thanks Sent from XXXX XXXX  for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim about transactions that was made on my account that I did not authorize or rarely use Wells Fargo did not help me at all

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