BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been using Paypal for years and it is linked to my Bank account only. I once had a visa debit card but when it expired years ago did not link one to paypal. 

On XX/XX/2020, I received a email from Paypal about a case that was submitted by some other Paypal account holder, Indicating that her account had been hacked into and there were 5 purchases made from me in the amount of XXXX dollars and some change. I was told that I needed to respond to complaint by XXXX XXXX. 

I went into my account and found activity that I had not initiated. I had not and did not sell anything to this person ever. When I checked more activity I found 27 Master Card Debit card instant transfer transactions that I never made. The total of those transactions was very close to the money from the account that was hacked into. 

I do not have a Mastercard debit card. My card is a Visa. I tried to file a dispute but because it was a master card debit card was unable to without going to payal chat as there was no way to contact by phone. 
Finally a dispute was submitted by customer service on my behalf. I indicated in my dispute that those 27 withdrawal from my account using a Master card debit card was not authorized by me and that I do not own nor have I applied for a Master card debit card. I questioned how this card was used to access my paypal account. I also questioned why red flags did not go up because my paypal balance is always XXXX. When I purchase most transactions are paid for using my linked bank account. 
I even indicated that there was something suspicious about money going into my account through a purportedly hacked account in almost the same amount as was instantly transferred from this fraudulent on the same date XX/XX/XXXX. All activity on that date. 

Paypal denied my case and I appealed. They denied my appeal saying they found the transactions consistent with my history. I asked them to look at my history and they will see that somehow the Mastercard Debit card showed up on activity statement for XXXX XXXX as a backup card. do not know how that happened. all activity prior to that only shows that I paid for my transactions and there is no back up master card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-16
Company: Federal Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had been making payments for two years on my car. I had a XXXX and was hospitalized. I became 3 months behind. My wife got a job because I became XXXX. All other creditors worked with me wonderfully. Ended up with XXXX I spoke with this company all the time. They always gave vague answers, I was threatened by XXXX XXXX, lied to, my contradicting emails. The impersonated the State of Florida Circuit and Civil court, they made up a fake case number for A state of Florida court. All while I was trying to get a straight answer on " if I make one payment, will you make some arrangements with me? '' There answer was always make the payment and well see, knowing they were already trying to repossess the car. I am also contacting state attorney about the fake written notice from the court that was hung on my front gate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
It appears as through Ocwen Loans Servicing, LLC are going around in circles and not coming to an amicable resolution to this issue that has affected our property. 

This is in response to a recent letter sent through the CFPB Portal stating " Additionally as Ocwen did not service the account prior to XXXX XXXX, we have no record of establishing a credit tradeline prior to that date. You have indicated your credit report shows Ocwen established a credit tradeline prior to XXXX XXXX, however you have not supplied a copy of their credit report to Ocwen so that this claim can be investigated. To have this issue research further please provide a full current ( within 90 days ) of your credit report directly to me. ". 
Please note that a copy of the credit report dated XXXX XXXX, XXXX at XXXX was generated and sent to Ocwen by certified mail, through the Consumer Financial Protection Bureau and XXXX XXXX, XXXX, the XXXX Department of Finance legal division, Securities and Exchange Commission and XXXX XXXX XXXX XXXX Trustee on XXXX XXXX, XXXX along with all supporting financial documentation. 
After careful review of the Corporate Assignment filed on the property located at XXXX XXXX XXXX, we have discovered that the Power of Attorney Document Reference XXXX giving you Limited POA ( Power of Attorney ) is based on LOAN NUMBER XXXX which is not the loan for the property XXXX XXXX XXXX XXXX, NY XXXX. The recording was done in error The alleged loan number for the property is XXXX. I 'm also including a statement for your reference. 
Ocwen Loan Servicing LLC has requested XXXX XXXX XXXX to record the Corporate Assignment to validate their reason on collecting payments prior to securitizing the loan for XXXX XXXX XXXX XXXX XXXX XXXX and have not applied {$48000.00} of payments towards the property from XXXX XXXX - XXXX XXXX in the past 17 years. 

A complaint will be filed against the Notary, XXXX XXXX XXXX in the Executive Governors Office in Florida for his errors and omission by not validating the reference document. 

Furthermore Ocwen has not retracted the XXXX that has been recorded. Per the real estate records division, Ocwen Loan Servicing , LLC can only rescind the Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/2020 I called XXXX XXXX it's an heating and cooling company for service/ installation services/ pricing- They never came out to assess my home, or discuss options for purchase However, during the process I allowed them to run my credit to see if I could finance, and was approved over the phone They wanted to rush me into making a decision, and into signing an online contract that was Emailed to me, I then stated that I will not be making any decisions for services at that time due to the fact that my intake needing widened or have a bigger one installed and that I needed to make sure that the electrical panel is up to par. They said that, we can do all of that for you I said no, because they were unprofessional and didn't have answers for questions and concerns that I had. The next day while I am at work they show up to my home, my husband answer 's the door, they tell him that they are there to install HVAC system, he once again told them that we hadn't agree on having services with their company and that they have been misinformed. The next day I called, no answer, just a voicemail. Several days later I received billing statment from XXXX stating that they had varified a complete and satisfactory delivery and installation of my equipment, which is far from the truth because my husband and I decided to go with another company that came out to our home, discussed pricing, and other service options and was very informative and professional. So when I got the letter I called XXXX, I spoke to a young man who said that his name was XXXX XXXX with my complaint about the bill for services that I did not receive or agree to He stated that it was an error and would be corrected. Well, 3 months later the bill shows up on my credit report for {$9000.00} pluses dollars. Please do what you can to reverse the changes because this is fraudulent, criminal activity and they shouldn't be in business! My name 's XXXX XXXX phone number XXXX Last 4 digits of social security # XXXX

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 2019-12-16
Company: TRUHOME SOLUTIONS, LLC
State: KS
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from TruHome Solutions has repeatedly called, emailed, called my place of business, my spouse and hand-delivered a notice to our home. We have told the creditor that the account will be paid and caught up in full by the end of XXXX. The Mortgage has only slipped 30 days. The attitude and harassing nature of the calls is not appreciated. XXXX XXXX has asked personal questions and when I refused to answer he stated : " what would you do if someone owed you money ''? We are only 30 days late, we have never been late before, we have a clear plan to get back in good standing. He has been told to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-04
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My federal student loans have only more recently been serviced by Nelnet but it has been nothing but problems since the start. When my loan was with the previous service I was given a 1 % discount for paying 24months on time - this discount was completely lost and never and applied when Nelnet began servicing the loan. I finally got a customer service agent at Nelnet to agree and see the problem and she said that someone would be calling but no one ever called. There should also be a discount in the loan percentage for doing it paperless. 

Further, I have an income based repayment ( IBR ) payment plan and was told that I have to change the loans to Direct consolidation from XXXX in order to be considered for loan forgiveness - this makes no sense and no one is able to give me any answers and we are running out of time as the deadline is looming at the end of XXXX. Further, I don't really want to consolidate my loans at the higher percentage rate because Nelnet screwed up. 

Further, IBR should be only paid for 20 years, and I think I am at just about at that but no one had any history or information or history of payments to give me any information when I would be done with payments and the loan would be forgiven. I am really just looking for answers as Nelnet has been nothing but sneaky and fraudulent and this is the 2nd complaint I have had to file. In fact I am pretty sure they owe me money as a penalty for falsely reporting my loans as late a year ago to all the credit bureaus and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-07-21
Company: EQUIFAX, INC.
State: GA
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section 605B of Fair Credit Reporting Act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section XXXX of Fair Credit Reporting Act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in a Chapter XXXX BK and Wells Fargo who is the lender has scheduled a Trustee Sale date of XXXX/XXXX/2016 although my case is pending reinstatement. The Notice was placed on my door while I was out of town Saturday. I have been in the bankruptcy and the trustee payments are taken automatically from my checking account. There was fraud on the account and the bank closed the old and issued a new account. Meanwhile The case was originally dismissed for nonpayment. The trustee has received all the payments and the case is pending. The trustee has received the new account information and the case is pending reinstatement which is scheduled for hearing on XXXX/XXXX/16. I received a letter from ASC who represents Wells Fargo. When I contacted the representative at ASC, I told him that my account was in BK and he said the case was dismissed XXXX/XXXX/16. I told him that he needs to check with the BK department, because the case is pending reinstatement. Wells Fargo would have received a notice from the courts, but they continued with the legal procedures which is against the law. 
I would like to have them investigated for illegal foreclosure procedures.

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 2022-07-21
Company: EQUIFAX, INC.
State: GA
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 am angered by the Credit Bureaus indifference with regards to my disputes. I have been sending multiple letters addressed to the Credit Bureaus and the last letter I sent to the Credit Bureaus was on XX/XX/XXXX with complete attachments of my Personal information. But despite all my efforts to correct my Credit File, the Credit Bureaus have been ignoring the letters I sent as well as have been neglecting their responsibility to comply with the FCRA section 605b and continued reporting the fraudulent accounts on my Credit File. I am now submitting this complaint to request another investigation and have the items removed completely from my Credit File. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX BANK XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation