BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On   XX/XX/XXXX   I sold something on  XXXX  for {$2000.00}, and the buyer paid through PayPal. I received {$1900.00} in  PayPal  after  PayPal  's fees. After receiving the package, the buyer requested a refund. I said ok, the buyer shipped back the packaging, and I issued the refund. The refund was processed through  XXXX  and {$1900.00} was subtracted from my bank account. However, due to a glitch in the  PayPal  system, my  PayPal  balance was additionally debited by {$1900.00}, resulting in a negative balance of that amount in my  PayPal  account. I was charged {$3900.00}. After spending a few hours on hold and through department transfers on PayPal, they acknowledged th at it was PayPal 's error, a " glitch in their system '' and apologized. They credited my PayPal acc ount {$1900.00} on   XX/XX/XXXX .  However, on   XX/XX/XXXX  , PayPal 's system informed me that a " Temporary credit issued by paypal '' has expired and would soon be debited from my paypal account again. On   XX/XX/XXXX ,  my account was again charged {$1900.00}. I furiously called  PayPal again, and after about 4 hours on hold and otherwise, PayPal again  acknowledged that it was an error on their part and would reverse the charge on my account. They reversed the charge and I received {$1900.00} back. This exact same situation happened on   XX/XX/XXXX  . I was furious that my account was charged again by their automated system, and for spending so many hours on the phone and having an issue repeat itself, and I demanded that they ensure it does not happen again. They ensured this, however today on   XX/XX/XXXX ,  my account was again charged  XXXX . After many promises, apologies, and acknowledgments of error, PayPal has done nothing. I have spend dozens of hours on the phone and am considering legal action to recover compensation for my money and lost time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX 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 2022-09-14
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am using a wallet called XXXX XXXX ( a Binance owned company ) I had XXXX of USDT in the wallet. One morning I woke up to check the balance, it showed XXXX USDT. Somehow the USDT got hacked, and the XXXX XXXX provided no security mechanism to stop or prevent the transfer. Nor was I alerted to the transfer or asked to approve it The USDT was simply moved without my knowledge or approval. I opened multiple tickets with XXXX XXXX support, and they simply replied with - " your ticket has been closed '' on each occasion proving no resolution or advice whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
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I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: IL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TN
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:
I applied for a credit card that Experian app suggested on XXXX, because it said it wouldnt hurt my credit scorewell it did, it hurt all three bureaus, took XXXX points from Experian score aloneif I would have know it would hurt my score I would not have applied, because Im trying to work on my credit as we speakplease help with this, as it if effecting my score between good and fair reportingIm working hard to get my credit in good standing and now I dont trust suggestions from your appthank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I made a student loan payment th rough Navient 's online payment system. They duplicated the payment, taking it out of my bank account twice. I 've called and emailed several times and provided proof of the duplicate payment. They keep saying that I made two payments, which does n't make any sense at all, and have not refunded the money. My loans have been up to date for years and I am not behind on any payments. I can not afford to make two payments in one month since each payment is close to {$600.00} and I am in the income base d repayment system. This has caused me financial hardship and I just want the money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am filing a complaint in reference to my Wells Fargo accounts and credit card.Account number. XXXX. I opened my credit card around XXXX of XXXX. Some how Wells Fargo is not reporting my correct social and I was already a Wells Fargo Customer through the banking side, Every time I call to try to have my account looked up through social security number its not able to be located, unless I call from my cell phone which automatically pulls my account up. 

I tried calling on XX/XX/XXXX to have the situation looked into, and I was told the social is not matching,

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 2022-01-05
Company: American Recovery Service Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Pursuant to 15 US Code 1692, I was being harassed by XXXX XXXX XXXX with abusive, deceptive, and unfair debt collection practices. Most of which included an invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately. 

XXXX XXXX  This account being on my report is an invasion of my privacy as the consumer. You were not present and have no firsthand knowledge of what took place. You have been unfair and partial as it relates to my information. You are currently in violation of your grave responsibilities. 

In additional to the facts stated above, any approval or specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from my 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 2022-09-14
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, the consumer sent a dispute letter to Experian to validate accounts on credit report. According to their results report number XXXX there are accounts that have been verified and updated as such. Consumer has expressed to Experian multiple times in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer credit report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. However, Experian is only authorized to collect, use, sell and or share consumers personal data and financial information relating to consumer in accordance with the direct and written instructions from consumer prior to any use of consumer personal and financial information. This is not the first time the consumer has written to Experian asking who gave them consent to furnish any information. According to 15 USC 1681b ( a ) ( 2 ), the consumer has not under the following circumstances and no other provided the written instructions of which it relates. The consumer is aware that an elaborate mechanism has been developed for investigating and evaluation the credit worthiness, credit standing, credit capacity, character and general reputation of consumer which in this case is causing consumer to lose equity. Experian and with their unfair credit reporting methods are undermining my confidence in the banking system. It is Experian due diligence to exercise their grave responsibility with fairness, impartiality and a respect for the consumer 's right to privacy. Experian is insolent and has disregarded the consumer. Consumer has given Experian written instructions multiple times to update these allegedly accounts to paid in full and no derogatory marks as debt was cancelled and is now considered taxable income. As no income shall not be reported on a consumer report and credit respectively. The accounts that are to be updated are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.

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 2022-09-14
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) has been fraudulently reporting on my personal credit. This account has been addressed with NCB and XXXX under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with XXXX is FRAUD and they sold it to NCB after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX put a debt back on to my credit report because they said the " collector '' says that debt belongs to me with no proof. The original creditor sold my debt to AArgon Agency Inc for {$430.00} and now with interest the debt is {$470.00}. If I 'm not mistaken under the Fair Debt Collection Practices Act, if your debt has been sold that means the contract you had with the other company is voided. I already researched the original creditor writes off the debt on their taxes and then sell it to an Agency to make a profit even though the debt has been debted on that consumer.

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