BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: Continental Finance Company, LLC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends, family, or customers your personal PayPal.Me link wherever you talk to them - text, email, or post. They click the link and enter the amount - no cash, no checks, no awkwardness. '' It promised fast, easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away, and nothing could be a bigger lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Paypal combed through my account and found the last person that I sent money to ( an old friend. Then, they called him and left a message about my account. There are no words to describe my embarrassment. I am very upset about this and I would like to know if there is any recourse that I can take. Any assistance would be greatly appreciated. Paypal would call me so many times each day. I had to add them to my block list, because I do n't have the money right now. My hours have been cut at work. I barely have enough for the mortgage and car payment each month. After blocking Paypal from calling me, they decided to fish through my account for information on my friends. This is absolutely outrageous. I do n't want people knowing about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: CA
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 disputed this account, filed a police report, and submitted a FTC complaint. I recently pulled an XXXX  credit report, upon reviewing my credit report in XX/XX/XXXX, I noticed a XXXX  XXXX  XXXX mortgage account # : ( XXXX ) balance : {$430000.00} opened XX/XX/XXXX this is either a mis-print or a fraudulent account. There was also a host of inquiries as well included here : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & ( XX/XX/XXXX ), XXXX XXXX   XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) I did not apply for credit with any of these companies nor have allow anyone else to use my credit or social security number to apply for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow 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 2016-07-06
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.

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 2020-03-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Contacted XXXX XXXX  prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal is holding {$13000.00} of my available money for the next 90 to 180 days. I sold a XXXX security tower on XX/XX/2016 on ebay for {$24000.00}. The buyer paid for the item immediately and paypal showed the balance as available in my account. I made arrangement for the buyer to pick up the item ( which comes with a florida title and registration ) in 3 days. I then tried to withdraw {$300.00} out of my local ATM the next morning after I had received clear payment, but my transaction was denied. I was very alarmed so I called paypal to find out what happened. Paypal informed me that they had associated my account with a delinquent account that was 14 years old ( my current paypal account has been in good standings without question for the last 12 years, and payapl has never tried to come after me for a delinquent account prior to this ). I informed paypal that the delinquent account did not belong to me and asked them to do a fraud investigation. They proceeded to conduct XXXX " in-house '' fraud investigations over the next 48 hours only to inform me that they still believed it was linked to me. During all this time I have a balance of {$26000.00} which paypal is holding ransom until I agree to pay {$1000.00} for this other delinquent account. YES YOU HEARD ME RIGHT, INSTEAD OF FREEZING {$1000.00} OUT OF MY {$26000.00} BALANCE THEY EXTORT ME BY HOLDING MY ENTIRE ACCOUNT RANSOM UNTIL I AGREE TO PAY THEIR CHARGES. So I reluctantly pay the {$1000.00} to gain access of my money, but I did have them note that this delinquent account still was not my account and the only reason I was paying it off was because they were making me do so to un-freeze my account. Now my account is active again for 2 days before another department of paypal freezes my account AGAIN and will not let me touch my money. The merchant division of paypal freezes {$13000.00} and tells me they are going to hold my entire account for 90 to 180 days. Mind you the buyer has already taken possession of the item ( with a florida title and registration ) so I do n't have the option to cancel the transaction. Now I 'm stuck without my item and with a frozen account for the next 90 to 180 days. I use ebay and paypal as my main source of income to provide for my family of XXXX. Now I ca n't make any sales because every penny that goes into my paypal account is frozen up to {$24000.00}. The buyer has also agreed to sign an affidavit relinquishing all of his right to come after paypal or his credit card in the future. Paypal said that wold not change anything, they still would need to hold the money for 90 to 180 days. 
PLEASE PLEASE PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Paypal did not notify me in advance that I would not be able to use the instant transfer. It seems to be something that is not readily available. You can use it for XXXX transaction and then when you make an identical transaction for the same amount to the same person the next month, you are not able to complete, but the following month you can. A search on google implied that it could be due to an credit card coming up for expiration but offered no other reasons for when that is not the case - and by the way these are not answers from paypal but from other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
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:
Identity theft XXXX XXXX XXXX XX/XX/2013 amount 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 2020-03-14
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Alliance One receivables management is trying to collect payment for medical procedures I received at XXXX hospital after an accident on XX/XX/2019. 
Their written communications note that not paying will be reported to credit agencies and will impact my credit. 
Each bill they try to collect is given a separate account number. Each account number requires a separate account ( login, password ) on their website at allainceoneinc.com. This is not clear on the website, which means they will call you noting you owe them money, but there is no way to learn this/pay on the website using the account you previously sent up. You need to set up another ( and another, pending number of bills ). 
When I tried to pay a bill ( after setting up a new account ), my credit card told me the payment was rejected ( presumably bc they have been flagged as suspicious/fraudulent ). However, in spite of having my email address and consenting to receive communications, I never received an email that this payment did not go through. The implication is that they can continue to claim I haven't paid yet not notifying me of the payment failure. 
There is a notification in my profile on their site, but this is disingenuous bc it assumes that I give a XXXX about their site and will ever visit it again. They took my email address and should use it for exactly this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

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 non-monetary relief
Consumer complaint received 2017-05-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I h  ave had a Sears credit card for many, many years.
Sears replaced my revolving credit card with a Mastercard account.
I do not use the card, but keep it for emergencies -- auto repair, appliance replacement, other services provided through Sears.
Without notice, because I have n't used the card, Sears reduced the amount of my available credit.
When I called, "   XXXX   '' said that I should have used the card in order to keep the amount of my available credit.
WHAT? They are bullying me into using their card!
Further, they told me that it is their policy to reduce the amount of credit available because I have n't used the card.

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 2020-03-14
Company: Alpha Recovery Corp
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation