BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-10
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.

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 2015-07-08
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was transferred to XXXX ( Platinum Home Mortgage ) effective XX/XX/2015.I was notified in XXXX XXXX, but I have yet to receive a welcome package or payment coupon book from the new lender. I have struggled to figure out where I 'm supposed to send my house payment and how to pay it online. Previous to the lender transfer, I always made my home loan payments online and on time. Today, I was able to find the new lender website through my own research ( www.phmc.myloancare.com ). I very well could have mailed a check to their address in XXXX, Virginia, and it would have been received prior to XXXX/XXXX/2015 XXXX when a late fee would have otherwise been assessed ). I opted to pay online after I confirmed my account appeared to be transferred to the new lender. While processing the online mortgage payment, I was forced to use the one-time payment option as the lender determined my mortgage was past due ( even though they would only assess a late fee if payment was not received by XXXX/XXXX/2015 ). As such, I was forced to pay a {$5.00} penalty for paying XXXX days after the due date of XXXX. Otherwise, I would have setup auto-pay and been done with the transaction. I resent being penalized for making my house payment on time. It might only be {$5.00}, but multiply that by XXXX of people every month and that 's quite a chunk of passive income. I believe this is an unfair business practice and the lender should be prohibited from assessing such fees, especially in the process of a mortgage transfer over which I had no control.

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 2020-04-11
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. 
I rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . 
I am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. 

Well its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. 

I need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXX see attatched Reported by XXXX account ( XXXX ) WAS account ( XXXX ) ** SOLD TRANSFER/SOLD see attatched XXXX XXXX CANCELATION OF DEBT ** DEBT DISCHARGED {$9.00}, XXXX XX/XX/XXXX XXXX REPORTS TO IRS FOR FINANCIAL GAIN THEN SELLS ACCOUNT?? I HAD TO PAY THE {$9600.00} IN TAXES. see number on form call more information XXXX XXXX XXXX it is a XXXX number that says ANYONE COLLECTING ON THIS DEBT IS ILLEGAL.?? XXXX CONFIRMS THIS ACCOUNT IS NOT OWED TO IRS IS DELIQUENT TO CREDIT REPORTING & SELLS THIS DEBT CARDHOLDER NOT LIABLE? XXXX HAS DESTROYED MY CREDIT. AND SOLD FRADULENT GOODS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
State: MI
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:
I completed the first 2 steps in receiving my annual credit report ; electing initially XXXX and then thru a separate session Equifax. 

Both times during step 3 it asked me to answer questions regarding my information for further verification. Both requests said they were unable to provide me a copy via online. 

In each instance, 1 or 2 of the questions made no sense or did not represent any information I was familiar with. Why? 

I submitted an online dispute with XXXX ; I noticed a phone number they had was not correct. I also tried to call Equifax answering an automated questionnaire only to be hung up on because is was after hours. 

This who process is cumbersome and the customer service a joke. The fact I have to reach out to ensure these companies are not improperly granting or reporting my credit is wrong. 

I do not want to fill out a pdf with PII ( name, ssn, dob, etc, ) and send via postal service to Equifax. I expect someone to call me or resolve this online and quickly. Totally disappointing. 

Let me get this straight, So if incorrect information is entered regarding my credit by one of these companies, but I am unaware and can not answer this incorrect data, I am the one burdened to fix this? This is wrong. 

Need to drain this cesspool.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
DATES- XX/XX/XXXX {$350.00} So basically what happened my friend sent XXXX dollars to me through his cash app and i received XXXX, i bought stocks worth of XXXX dollars and XXXX dollars got vanished from cash app and i have evidence in form of XXXX file and transaction history too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my payment was returned for reason given .. returned payment - other. I contacted my bank and they advised me that nothing had been presented to them and there was plenty of money in the account to cover the payment and many more if wanted. The account number and routing number I used for the payment had never changed in the last two plus years I 've had the car loan and have used the same number ( saved on their website for easy use ). I resubmitted the payment and attempted to contact the company. I got in contact with a gentleman that was difficult to talk with. When giving my name and information I had to repeat it over and over for him. The loan is in my name and he said I am not on the loan and just kept repeating it. The loan has me as Primary person on the account XXXX XXXX. The guy just refused to speak to me, so now I 'm unable to confirm if there is any issues with account and to find out why they refused to process my payment which I do have confirmation emails showing it was on time and authorization received for it. Now a week later they said payment returned and account late. I want all records cleared for late payment ( if applicable ) and any fees adjusted ( if applicable ) and the employee that spoke with me fired or retrained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Identity thief With the bank help, my name was forged and I lost over $ XXXXout of XXXX banks. Sheriff Department called it a civil case. I am a XXXX year old service connected veteran, my attorney help sell me out also, I need a federal investigator. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This complaint is related to the resolution of the CFPB case number XXXX. Despite of my efforts to fix this problem and despite this complaint has already been resolve ; Transunion reporting agency do not care about the resolution in relation to my case. They keep reporting the wrong information, Transunion stated that only the collection company can delete the information, the collection company stated that they already deleted the information with transunion the same way they did with the other CRAs. 
Again this is in reference to the CFPB case number XXXX please read the resolution. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) 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 explanation
Consumer complaint received 2019-12-06
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported a " debt '' as fraudulent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Whoever incurred this debt initially with PayPal didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}.

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on 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 non-monetary relief
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Comenity manage 's XXXX XXXX 's consumer credit card. I paid a bill on XX/XX/XXXX ( XX/XX/XXXX statement ) and on XX/XX/XXXX ( XX/XX/XXXX Statement ). Then was hit with a late fee for not paying my XXXX statement minimum payment. When I called I was told I paid between billing cycles, which was true. However, when I checked my account on XX/XX/XXXX and XX/XX/XXXX my account portal stated that I had a {$0.00} minimum payment. When I logged in on XX/XX/XXXX I scheduled a payment of {$30.00} to be withdrawn from my account on XX/XX/XXXX for my XX/XX/XXXX statement. When my XX/XX/XXXX statement was available on XX/XX/XXXX is when the late fee was assessed. I contacted Comenity and was told I was late on my payments. When I finally was able to get the associate to see the full time line of payments and I explained to her that when I logged into my account to confirm if I owed a balance she told me that the online account system was irrelevant. Which is extremely troubling given I use that portal to manage my account the few times I do choose to use this card. If this portal is " irrelevant '' as I as told how am I then able to properly manage my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Amsher Collection Services, Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XXXX my son received a call from Comenity Bank ( My XXXX Credit Card ) asking if he was XXXX XXXX he replied yes due to the fact of having the same name as me they told him that I owe {$620.00} and I was aware of them I later on looked at my account and I have 2 phone numbers on the account XXXX and XXXX my sons phone number is XXXX how did they even get his phone number the a couple of days ago my daughter go back from Florida where my parents live my mother informed that she has revived a call from Comenity Bank too. Im not 100 % sure what number they used but she only has 2 numbers which are XXXX and XXXX. Im pretty sure that it is illegal to contact family or friends and tell them they amount of debt you owe and even if they are trying to find me that have my address and correct phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/2020, I applied for a mortgage loan. I was told I did not have an Equifax score. I found this odd but didnt think anything of it. In XX/XX/2020, I applied for a car loan and was again told I did not have an Equifax score. 

I do not have any other details but would like for this to be fixed. I have no Equifax score or file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Affirm Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFFIRM INC CT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The office of Registered Agent for AFFIRM INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: WELLS FARGO & COMPANY
State: AE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Dealer Services : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account.

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 2019-06-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
equifax not letting me login b/c of thier breach has caused harm to me and family XXXX  i cant get loggin in account b/c of mixed file XXXX need to send credit report also equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, 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:
equifax is reporting a debt that is fraudulent. i contacted XXXX XXXX bank of which they said they have no record of my information. i want this negative item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: FREEDOM FINANCIAL NETWORK
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This seems to be the same issue when you guys sued Freedom Debt Relief LLC back in 2019. They have pulled out over {$3400.00} from my checking account and claimed that they " settled '' accounts, when in reality they took the fees to pay themselves first and paid only {$1.00} to {$25.00} to the creditors. At this point I am filing Chapter XXXX Bankruptcy due to this and need those funds back for the services they did not provide/finish. I tried to go another route with a different debt relief company but I am already to much in the negatives. They need to give me back my funds for services they didn't even list. 

Please call or email me at anytime regarding this. XXXX or my cell is XXXX. I am looking at a total of {$5000.00} in damages from them ( {$3000.00} for scam fees and {$2000.00} emotional damages ).

Company response to consumer: Closed with explanation