BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-29
Company: OLD NATIONAL BANCORP
State: IN
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:
XXXX XXXX XXXX my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I listed an item on XXXX XXXX for sale. To be clear, I am not a business - just a guy who had an extra computer part to sell. A buyer approached me, we agreed on the price of {$670.00}, and he paid me using Paypal. I handed off the item as discussed, but later on in the day, the buyer disputed the transaction with Paypal, claiming it was unauthorized. 

Paypal then slapped a negative {$670.00} balance in my account. I provided the XXXX conversations discussing the sale, as Paypal requested. They then took a month to get back to me. When they did get back to me on XXXX XXXX, it was again a request for more evidence. They gave me a deadline of XXXX XXXX. I began gathering evidence and I filed a police report with my local PD. 

Then, on XXXX XXXX ( three days after giving the XXXX XXXX deadline ), Paypal told me my case was resolved in the buyer 's favor. I told them repeatedly that they had not held up their end of the deal, since they had told me I had until XXXX XXXX At this point, I realized that every time I was talking with Paypal XXXX it was with a different person who either didn't have access to previous conversations or did not care to read them. Each time I engaged with Paypal online, it was as if I was bringing the problem to their attention for the first time. At one point, Paypal customer service even accused me of being the one who disputed the transaction when clearly I did not. It showed me that they had no understanding whatsoever of the issue and just wanted to clear out their inbox. 

On XXXX XXXX, I had a call with a customer service representative named XXXX. She repeatedly told me I did nothing wrong, and was sorry that I had to deal with this. At this point, I thought I was in good shape because Paypal was telling me I did nothing wrong. Except they never wiped the debt and they bungled the admin dealing with the case. 

Paypal did re-open the case, which is currently pending. That said, they closed the old one in the buyer 's favor. So, now I am getting multiple calls daily from Paypal 's collections department, harassing me to pay this {$670.00}. This is a huge deal for me, not just because the calls are annoying, but because I hold a government clearance. Financial issues such as unpaid debts are a huge factor in determining people 's clearance. 

I am a XXXX XXXX  and current servicemember in the XXXX XXXX. As an XXXX in the XXXX, I am not predisposed to lie, cheat, or steal. I don't understand why Paypal would even offer me the opportunity to present evidence if they were so willing to resolve in the buyer 's favor and send me to collections. I feel alone in this fight and afraid that I will have to cough up {$670.00} in order to clear my name. I was the one who was wronged and yet I am the one who is paying for it now. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
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:
03 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Experian Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX   XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  : XXXX Account Name : XXXX  XXXX  XXXX  account number # XXXX dated open XXXX/XXXX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  File Number:XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX   XXXX  XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA 30809-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA 30043-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful

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 2017-04-26
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: Account information incorrect

Complaint:
Called  XX/XX/XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :  XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XX/XX/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 2017-04-26
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Back in  XXXX  I attended a school called  XXXX    XXXX    XXXX  in  XXXX , nj. The school has since been closed down. I 've never received my certificate of completion because the school was so in a disarray that they could n't even keep a steady teacher for the classes. The curriculum was barely taught and needless to say I never got the chance to complete. I 've tried to explain this to edfinancial but I 've had no luck because the school officially closed in  XXXX .  XXXX  is when I had to take a different route in life and join the  XXXX   XXXX . I 'm still stuck with  XXXX  loans from this school.  XXXX  for {$5000.00} and another for {$8000.00}. The ideal wish is to get both of these removed from my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I cant transfer points to my husbands account. According to the terms, we have to live in the same household and have the same rewards program. We meet both requirements. Our accounts are in good standing. 

My husband has a chase sapphire reserve and I have a chase freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The com pany is Wells Fargo and they are trying to collect and foreclose on a home and the it is illegal because both of the people who had the loan are deceased. They have received death certificates, durable owner of attorney, however, they are still threatening foreclosure on a deceased person. The Governor of Missouri and several attorneys have stated this is illegal in the state of mo. A complaint has been filed with the attorney general in Mo. Wells Fargo has failed to let the current relatives who are living in the house to assume the loan. Wells Fargo sent the mortgage under the deceased person 's name in Texas. They received the death certificate and said they would no longer collect on the debt. Chapter   XXXX    bankruptcy has been filed  XXXX  now attorneys have stated that is illegal since the loan is in a deceased person 's name. The property is in beneferies name house is in another person 's name. Wells Fargo hired a attorney client only collection to foreclose on the house under the deceased person 's name.All statements and paper work and foreclosure papers have been sent to the deceased person. Wells Fargo refuses to do anything except to demand payments from a dead person

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 2017-04-26
Company: EQUIFAX, 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 have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Beginning on XX/XX/XXXX my wife started receiving calls from a debt collector looking for me. They left a voicemail that said that I was going to be served papers in an hour and that they will find me.

On XX/XX/XXXX the calls were repeated and stressed that if I did not call them it would count as a missed court appearance. They are calling all day threatening to serve me papers and being held in contempt of court if I don't communicate with them.

The calls have continued as of today XX/XX/XXXX with the same threats.

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 2017-04-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had   a Citi visa credit card for many years ( 9 years I think ).
recently Citi switched from a Visa to a Mastercard credit card.     I decided to start using the card more, to use it for everything and not just have it for a back up.   I began having trouble with the card being denied for online purchases.   I had visited with the fraud department for abo ut 7 or 8 lengt hy phone calls during the month of    XXXX   XXXX  about this  problem.   I was told their was lots of fraud going on.   I demanded a list of any and every fraudulent charge my card was used for or any late payments or any problems on my end. They said my card was not used in fraud but they " needed to protect the card '' It was really ridiculous.   They would throw the fraud flag for a {$1.00}, or {$50.00}, or {$100.00} dollar purchase.   The only place I could go and be sure the card was accepted was  XXXX .   Online purchases were a joke. I had so many declines from  XXXX ,  XXXX ,  XXXX ,  XXXX  that the digital currency community thinks I am a pariah. They do not even want to deal with me anymore . One Citi emplo yee admitted they had never heard of  XXXX  or digital currency and it was fraudulent to try to buy a   XXXX  !    Citi ha s just really  XXXX  me off.   I closed my account today and now am in process to find a card to takeover my  XXXX   XXXX  AAdvantage account. I need to transfer about  XXXX  miles ( that represents dollar amount purchases over time ) because  Citi has b een so troublesome for me.   I even offered to put money up front like a  thousand d ollars up front if they would let me then use it for on line purchases. They said it does not work that way.   Have never been so frustrated with a credit card company that has refused to let me make a purchase.

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 2019-10-21
Company: United Collection Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted United Collection , Inc. asking them for debt validation of the account as I never received any bills prior this debt hitting my credit report, the debt is in the sum of {$210.00}. 

I received a bill for {$320.00} on XX/XX/XXXX which is {$110.00} difference, and it didn't validate the debt their claiming I owe, it only raised further concerns as it shows two different amounts, one for  {$320.00} and another for {$210.00} I reached back out to United Collection , Inc. to ask for more details and validation of this debt. I was told there are now two different debts, one for {$210.00} was for a hospital visit in XX/XX/XXXX and the other was for another hospital visit on XX/XX/XXXX. I explained to the rep I had no problem paying the debt if they can validate the debts. The rep stated the hospital visit were at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NV and this is the physicians portion and even knew the treatments and service performed. 

They have violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form authorizing United Collection , Inc. to have access to my patient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: OH
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 submitted a dispute twice to correct a state lien that was incorrectly reporting on my file. Both came back as substantiated. I contacted Equifax multiple times by phone escalating to the consumer affairs department each call. Each time I stated the issue and received false and illegal information from each representative I contacted. I then went to the state verified the inadequacy of the lien, which both were removed. I contacted  XXXX   XXXX  which updated their file and their new information did not include these liens. I forwarded this report provided to me to Equifax to reinvestigate the dispute. I was misled numerous times that they are verifying the information directly from the court. I was misled because they told me that they had to wait for  XXXX   XXXX  to verify my claim to their report. I was misled because I was told that Equifax was not able to access  XXXX   XXXX  files on demand. I was misled because I was told that they had 30 days to complete the reinvestigation after documents were provided.  XXXX  refused to furnish me the correct agency 's information used to verify this debt in their investigation process upon request of myself.   I have been harmed tremendously personally by their unethical and illegal business practices. It has effected my life in many ways but recently it has effected a home purchase, which they were made aware of numerous times during my communications with them.   They have verified this debt as accurate. Their only means of verifying this public record is by using  XXXX   XXXX  reports.  XXXX   XXXX  shows these liens do not exist in the report I provided Equifax upon initiating the reinvestigation and they are absent from  XXXX   XXXX  records after the completion of Equifax 's resolution to my dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: NC
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CNG HOLDINGS INC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a lawn mower through   XXXX   on  XX/XX/XXXX  through the   XXXX   XXXX   XXXX   XXXX   program. Put down the deposit needed and was never provided a lease agreement at all in store. I was under the assumption it was like rent to own not lease it forever and pay a arm and leg for it. When I was able to look at my lease through the   XXXX   XXXX   XXXX   XXXX   site I discovered what was explained to me paying it off in 5 months ( per the store ) then I would own it and not have to pay interest, that was wrong. On top of that it was a brand new riding lawn mower that when I got it home found rust on it, I called the store that day and had to go into the store the next day and they were suppose to have it fixed that week by a   XXXX    employee to come to the house and replace the rusted hood, I never got a call so with that I decided to return the item on  XX/XX/XXXX  when I was back in town from work. I got a signed receipt from the store showing they received it and sent   XXXX   XXXX   XXXX   XXXX   a copy of the lease, the return receipt to the store signed by a manager and sent it certified mail. They have called me no less then 5 times since returning it stating that I owe them money. I have provide to them all this information again over the phone and also the certified letter tracking number showing they got it. They called yet again today and have threatened to put this on my credit report and demanding that I go to the store and call them from there. I have talked to supervisors at this business and still getting harassed over something that was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with Equifax for an   XXXX   collection account on my file. This debt belongs to my son, not to me. They left the item on there. I can not be held liable for a debt that belongs to my son. This is a violation of the Fair Credit Reporting  Act. Sect. 611 ( a ) ( 5 ) ( A ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taking advantage of due to Malpractice while several laws were broken under the XXXX by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from XXXX which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my XXXX and let alone not on XXXX or XXXX This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been XXXX XXXX  on Time Payments.

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