BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/services. I have Filed a identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Westlake Services, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX closed suddenly with no warnings to their customers. The leases were sold to another company. Westlake Portfolio LLC is who now owns my lease. I have not received any contractual information from this company. Although, Westlake did send a link to continue to pay for the vehicle. Ive called several times to have the contract information sent to me. On each occasion Ive been told something different by Westlake. The last call someone said give them between 7-10 days to have this information. It has now been well over 15 days since Westlake took over and they still have not sent me a contract or any other legal documents for my car.

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 2022-09-30
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX my friend sent me money to pay my rent {$200.00}. Which gave me a balance of {$260.00}. I paid the rent and it was attempted to take out XX/XX/XXXX and it was declined due to the money being gone. I checked the card and there were charges from XXXX {$97.00} & {$150.00}. The total was {$250.00}. I reached out to Cash app immediately and the moment I put the claim in they declined the claim. I reached out via chat and they told me they would help me redo the claim because they still see more charges being declined because the card is locked and there are no funds. The claim the was still denied even though they seen someone still trying to charge the card. I then requested for a supervisor to contact me. They contacted me via email and said they are not changing the outcome. I asked for the documentation they had as proof. The receipts they sent me say the person used XXXX pay purchase. I have an XXXX and this is yet another reason it wasnt me. I also made them aware I had misplaced my card which is why my card is always locked. Someone returned it at my job and I assumed I was good. But I also only could think of anything funny that happened to me was I used a card tarot and had to provide my DoB and name. Idk if that had anything to do with it. But again my card was locked at all times until its time for me to pay a bill. I now am in the hole because I had yo borrow money from another friend to pay my rent. I would like to speak a the person above XXXX the support manger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing a complaint against Wells Fargo financial services for student loans that they have apparently charged off because it is showing up on my XXXX XXXX credit report even though I am making monthly payments. The loan numbers are # XXXX and # XXXX I would like Wells Fargo to send me all the documentation on these loans including all of the phone transcripts of our conversations during this time. The loans were put on a Covid deferment since I was a physician helping during a very stressful pandemic. The loans can not be charged off unless there was not a payment for six months and this was not the case because I was in a Covid deferment or forbearance for three of those months. They stated on the phone that it was my responsibility to contact them every week during a pandemic mind you and let them know what was going on. This is absolutely ridiculous! I have contacted them numerous times about having these charge offs removed and they are refusing to do so. 

Keep in mind during this whole time I did not speak to Wells Fargo one time. My wife may have but these are not her loans, these are my loans. I never received a phone call and I never received anything in the mail regarding these loans. I have a lot of student loans out there because of medical school. I have never defaulted on anything! It was due to poor communication on their part and it is completely unacceptable. The charge-offs need to be removed from my credit report immediately. 

Again I am requesting all documentation pertaining to these loans as well as phone conversations that my wife XXXX XXXX and I have had regarding these loans. I can tell you that if I ran my practice the way that Wells Fargo runs their business I would have no patients and I would not be successful. They should be ashamed of the way they have handled the student loans. Especially when someone is obviously willing to pay them and then instead of them working with that person during a pandemic they decide to submit these loans as charge-offs. Like I previously stated I have student loans with many other service providers and I have never had this 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 2022-12-20
Company: Experian Information Solutions Inc.
State: VA
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:
I filed a CFPB complaint with Experian on XX/XX/22 to reinvestigate the validity of the accounts on my credit profile from my first dispute on XX/XX/22. Here is the complaint number XXXX... it has been over 30 days. This reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results.

Also they are supposed to record the status of the disputed information which is another violation. 

I have the evidence attached below.

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 2022-12-31
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: Account information incorrect

Complaint:
I sent letters to Experian letting them know that they were reporting false information onn my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. 

According to the FCRA I have a right to a completly accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # XXXX XXXX : XXXX XXXX XXXX Acct # 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 2022-12-31
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
in my Paypal credit i have a Case opened with them XXXX XXXX XXXXXXXX for a purchase from XXXX where the seller has send me a XXXX phone which wasn't authentic and that's why i opened the case with paypal - resolutions center and based on the email received from paypal they asked me to send the product back to the seller which i very much did. Now that product shows very much delivered back to the seller via XXXX but now paypal says that they are denying my claim only because i di n't selected a XXXX which took the signature of the person as this was more then a XXXX $ product value. common still it's not the thing that i haven't selected that sort of XXXX i am penalized and ask to pay the amount despite of sending the faulty product back to the seller. it is very much evident from the USPS tracking that the seller has very much got the product back and i am not liable to pay any sort of money for this at all. Which i am very much not doing so even paypal or XXXX are not able to resolve this. I am going to file a lawsuit against them or they can send me " IN WRITING '' confirming that their seller has not got this back and then i can even go ahead and initate a police complaint and ask a XXXX XXXX XXXXXXXX XXXX inspector to step in and investigate the matter of fact that their seller is lying  ok. I am very much positive and confident because that seller has even listed that phone send back on his XXXX listing page which i very much saw as well. So this is going to be a very tough claim for giants like paypal and XXXX to fight for if i am initiating this as a legal way to sort then. One last time i am trying to approach them via this Consumer complaint to see if this can be sorted " out of court '' then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: Affirm 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: Their investigation did not fix an error on your report

Complaint:
I opened this account on XXXX XXXX, the company told me before I purchased the product that they will report my payments to the credit bureau as long as I make my payments on time. It has been 9 months later and have not reported anything. So, XXXX XXXX I stopped making payments now the company calls, emails me, sending multiple text messages to my phone number on file stating that MY XXXX  PURCHASE HAS BEEN REPORTED DELINQUENT AND MUST BE RESOLVED. AFFIRM is the loan company I've Called on XX/XX/2022 Spoke with XXXX, CASE ID XXXX XXXX, Called again on XX/XX/2022 Spoke with XXXX CASE ID # XXXX, Last time I called was on XX/XX/2022 Spoke with XXXX. They all have told me they will resolve it but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-01
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, someone made an unauthorized transaction of {$1000.00} from my Cash App to a XXXX XXXX. I never authorized it and never transferred money to my Cash App. 

My identity has been compromised and I already froze my credit with the XXXX credit bureaus. I also filed a report with Identity Theft and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
On numerous occasions in the past 7 months I have sent copies of police report and identity theft affidavit regarding XXXX and all attempts have been ignored.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2023-01-01
Company: Waveland LLC dba FJM
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A unit was leased from XX/XX/XXXX to XX/XX/XXXX. after XX/XX/XXXX, it changed to a month to month lease. We turned in notice to vacate and move out of the unit XX/XX/XXXX. Rent was paid in full through XX/XX/XXXX and I never received a move out statement or my deposit of XXXX back. We were being harassed and stalked the entire time we lived there and the landlord was contacted about the neighbor 's dog ( who the landlord stated to me that they were not aware of but nothing was done about the attack dog ) as well as someone coming onto the patio and tearing apart items on the patio that I had purchased. someone also left a dead animal in our garbage can. attempts by someone to enter the unit while we were there was made by someone ; as the ring alarm would sound off in the middle of the night while my kids and I were asleep upstairs. I gave notice to vacate! XX/XX/XXXX, I have received an alert that a collection for {$500.00} was placed on my equifax credit report by a debt collection agency that is acting on behalf of XXXX XXXX property XXXX. We have tried contacting great plains and we get no answer. I was unable to turn on the keys directly to a person when moving out because they are rarely in the office so I put the date of return and placed all the keys in their drop box upon move out. since we moved out, we have not heard from XXXX XXXX and now they are trying to use a collection agency to collect money that we do not owe them. They should be returning my deposit of {$1000.00}.

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 2023-01-01
Company: HUNTINGTON NATIONAL BANK, THE
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello the bank which is Hungtion national bank. Is refusing to apply payments to my account loosing payments. And applying payments to wrong accounts and reporting wrong information to my credit report dropping my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the executor of my Aunt 's estate and have submitted all necessary paperwork to close her Paypal account numerous times but even though they say the account will be closed in 1-2 business days it has been over a month. I have talked to many supervisors there a number of times with no progress. Since there is no office I can go to in person, I need your help to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am attempting to notify the bureau that the accounts reporting on my credit report have been closed and reached the term of 7 years and can be removed. They will not accept my right t reinvestigation. Even when they have been provided additional information. This is violating my right under FCRA XXXX. I want the account reviewed and updated to reflect they have met the 7 years since account closure. Please delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently received my TransUnion credit report and discovered that there is an account on my report that does not relate to me. The account is an account under the name of XXXX XXXX XXXX XXXX. I tried on several different occasions to communicate with Transunion and they have ignored the section 605B of the FCRA. I was a victim of identity theft. I sent over to them my documentation and identifications including the FTC ID affidavit signed and notarized and police report case number for their own investigations and verification. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits. 

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. This account needs to be removed from my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/1986 XXXX XXXX XXXX XXXX Florida 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 2023-02-01
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a car with XXXX XXXX  in XXXX and they repossessed the car in XXXX while I was still making payments complaining about late fees that they attached to my regular payments. They have been trying to get {$7000.00} out of me and now they have garnished my wages and I have called Zarzaur and Schwartz repeatedly to stop the garnishment and I would work out a settlement. They refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: ProCollect, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do annual background checks and found my name common in the among XXXX XXXX. XXXX {$300.00} debt after I try to prove my name is still not XXXX fully changed to own rent property. Then they place debt on me that was own out of state with me having me paycheck as working in XXXX XXXX XXXX XXXX XXXX  Them only change they year of it was own. Plus the unsolved dispute only original XX/XX/XXXX to XX/XX/XXXX change the date not received report my current address. Call few time only want to collect information XX/XX/XXXX to XX/XX/XXXX they address new address to credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ever lived or been at. Own removed middle month with dispute ( XX/XX/XXXX ) since it was original XX/XX/XXXX. Pay check sub proof is XXXX XXXX week week work overtime in XXXX XXXX  of the original collection.

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