BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
This is now the 2nd complaint on the issue as the first time PayPal said there was no problem, I should be able to log in and that was quite some time ago but I tried again to reset the password and jumped through their hoops, wasted more time but still ca n't. The primary complaint is I feel this is retribution from a previous issue had with them and tremendous failures handling a return. Perhaps they were even offended I did a credit card dispute as well. One issue the CFPB should note is that extra attention should be paid when a company positions itself where consumers have a difficult time finding a comparable service. I think companies like PayPal see this as an opportunity to not care and do things like such retribution ... Basically PayPal should be regulated like a utility until or unless they end up with more competition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/2022 got my credit reports and transunion and XXXX had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts are XXXX XXXX XXXX XXXX XXXX acct 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 XXXXXXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap

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 2019-12-23
Company: EQUIFAX, 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:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They claim not to have a file on me. The inaccurately reporting items below prove they do. They have violated the FCRA, it has been more than 30-days. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by PayPal on XXXX telling me there has been unusual activity on my account. I told them I have PayPal account but I never use it. I was told someone had sent XXXX laptops to a certain address on XXXX in my name. The total was for {$600.00}. The invoice # XXXX. I told them no I'm XXXX  XXXX and I'm living off of XXXX XXXX, so there's no way I could even afford this. I first spoke to XXXX ( XXXX ), then I spoke to XXXX XXXX XXXX ) Case # XXXX. I was told they would investigate this and get back to me. I didn't hear back from no one. Then on XXXX I got another call from PayPal saying there had been some unusual activity on the account. They told me there was XXXX, XXXX, XXXX sent to different places. I was told there was XXXX sent to my account around the same time. I asked them why didn't they flag my account the first time that happened. On XXXX They sent me emails saying I owe them XXXX because the XXXX was sent by mistake. I had checked with my bank and there wasn't any deposits in that amount sent to my account. They told me they better get that money from me or else. On XXXX I received a collection notice from PayPal for XXXX. I just received a call from them around XXXX saying someone had sent a tv to California for XXXX. I just hung up on them. I have been depressed and so overwhelmed by all this madness. But now I'm angry and ready to fight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A glitch occurred within the Trans Union system that violated the rights of their consumers under section 6.11. As a result, I have been exceedingly effected and my credit score is suffering as a result of this Trans Union glitch. No notice was ever given which is also a violation. I am requesting that ALL inquiries be removed. Please see inquires below. 

XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Department and variety stores - non specific Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Automobile dealers, new Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Thank you, 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 2016-07-31
Company: Pacific Union Financial, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage subservicer ( Pacific Union Financial ) changed to another company ( XXXX dba XXXX ) and I only received a 3 day advance notice. As a result, I already scheduled the payment to Pacific Union and I might incur late charges trying to get the payment to the correct company. Is n't there some sort of standard notification when this happens?

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been filling dispute and was told that inquires would be removed a year ago

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 2015-10-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank lowered my available credit on my Mens Warehouse credit card without notice. Went in to purchase some new clothing based on a promotion the Mens Warehouse was running if I used my Mens Warehouse credit card. I have always had over a XXXX limit. I purchased XXXX and ran my card it was denied. Store called Synchrony to find out what the issue was? After waiting over 10 minutes Synchrony ask to speak with me. I told them I always had over XXXX available, but had not used the card in over a year. It had a XXXX balance. Synchrony told me my new credit limit was XXXX. When I asked why they said because my account was flagged for review and my credit history from the credit reporting services was used to make their decision. My average credit score from the big XXXX have my credit score between XXXX-XXXX. 

Again no letter stating that they took this action before hand or any reason or information as to why they did this? 

In researching Synchrony Bank formerly GE Capital many people have the same stories. 

Is there any help you can provide me related to this matter? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was having a hardship that caused me to get behind in my mortgage but now I 'm able to pay my mortgage. I asked for assistance with the past due amount and they are unwilling to listen or assist me they just want to put me into active foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: SYNCHRONY FINANCIAL
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:
SYNCB/AMERICAN EAGLE PLCC listed on my XXXX Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and 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 2019-12-23
Company: The Collection Agency LLC
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In 2018, I had a hospital bill for {$3000.00} from XXXX XXXX XXXX in XXXX, XXXX for a test that was done. I was not informed of the cost before the test and was only thinking it might be $ 500- {$1000.00}. Had I been informed of the cost, I would not have had the test done. After the first two bills from the hospital, I started making small payments. But suddenly a few months after the test, I received a notice from Collection Associates. 

A few months later, I got a new job in XXXX. The calls from debt collector were relentless and I blocked their numbers on my phone. Then they started calling my work number. I asked them in writing to stop calling at work and only communicate in writing. I had not heard any more for a while. Then suddenly today, my mom told me she had a voice mail that I was supposed to call a certain number. When I looked up the number, it was the cell phone number that was registered to one of the names associated with Collection Associates. I had already told them to contact me only in writing so this is why I am reporting them and sending a cease and desist letter today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home for 30 years and it is now home to me and my XXXX grandchildren. I am retired and taking care of them. In 2009 I was pushed to refinance into an FHA loan by my daughter ( in order to benefit her ) and this raised my monthly payment over {$400.00} and added mortgage insurance. Not long after that I found out that my daughter was stealing from me and that she had a lot of problems. I was okay with the mortgage payment at that time because I had a good job and could afford it. However I was laid off after 24 years from my XXXX job and struggled with my mortgage payment and eventually fell behind. 

This loan is with Wells Fargo and I began trying to work things out with them but it was very difficult to make any progress. Instead of reviewing me for assistance programs for FHA loans they are ignoring me and moving me into foreclosure. I am concerned that my daughter may have gotten involved in the process and this has led to these problems. Wells Fargo should know that I am the borrower and that unless there is a signed authorization they should be dealing directly with me in regards to this issue. 

My main worry is I know that there are programs for FHA homeowners who are late on their mortgage and I would like Wells Fargo to work with me to try and qualify for these programs like modification or partial claim or forbearance agreement or repayment plan.. I have a pension and get SSI and can afford a fair payment. I do n't know what the problem is but I hope that they will decide to work with me instead of ignore me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Conn's, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's has been frequently calling my phone number looking for someone in order to collect a debt. I have never purchased anything or done business with this company. I have contacted this company several times explaining that I'm not the person they're looking for nor do I know who she is. However, the calls still come in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It was reported on XX/XX/2016 that there was an amount that I owed Bank of America after they already closed my account. That amount still appears as unpaid on XXXX XXXX XXXX XXXX Today, I went to Bank of America and they told me that I don't owe them any amount, that it was already paid for.

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 2022-07-24
Company: Paradigm Assets, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 4 YEARS OLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my car on XX/XX/2021 and 6 transactions were made using my Investors bank debit visa card. I opened a claim with my bank and they gave e provisional credit for only one of the 6 transactions. After a few weeks the claim for those other 5 transactions was declined because the conctacless was used for the payment, something that doenst tell anything if I authorized or not those transactions. 
I reopened the case saying that doenst make sense that answer and more if one of the transactions was approved to get the money back and the other 5 dont. Since then Im still waiting for an answer and my money back. 
Claim number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My private student loan was placed in default when I filed for bankruptcy in 2012. After it was placed in default, it was charged off. I recently reviewed my credit report because my score was decreasing and I discovered that the private student loan has current activity and is reporting that it is passed due. If the private student loan was charged off the creditor can not start reporting current collection activity. This private loan should remain in charge off status and not revert to past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
All of the accounts on the attached file are from XX/XX/2015and I have written to all the credit reporting agencies and they ignore me. 
It is not legal to show a charge off/write off and STILL show a balance due. It has to be one or the other. 
This has destroyed my credit and I have reached out to all of them, yet to no avail. I have been turned down for a mortgage because of this. 
I would appreciate any help you may offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive already disputed it with them from portfolio recovery from XXXX XXXXXXXX it was fraud back in 2012 someone got a credit card in my name and they knew it was fraudulent Ive been sending them correspondence back-and-forth they just sent me a fraud affidavit Ive been dealing with this since 2012 and they just dont want to take it off my credit report off of my XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Account information incorrect

Complaint:
I purchased XXXX vehicles from XXXX of PA. This is a buy-here pay-here dealership, I was told it would not be reported to the credit bureaus ( I was in the process of purchasing a home ). Not only did they report it but they are inaccurately updating my credit report. They have refused to remove the account from 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 2021-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and XXXX. As well as JPMCB CARD is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation