BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Paypal Holdings, Inc
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XXXX XXXX from PayPal through my email but addressed to my brother. It had an invoice attached for the purchase of bitcoins, amount was {$620.00}. Neither my brother nor I purchased any bitcoins. My brother doesnt even know what they are. 
I sent an email response saying that I did not authorize the purchase of any bitcoins. Also requested that the invoice amount be voided and deleted, otherwise I would contact legal resources. 
I also decided to call the phone number on the invoice for assistance. I talked to 3 people whom I thought worked for PayPal but as we talked ( over an hour ) to resolve the issue and check security on my phone I started to doubt these people and suspected fraud. They wanted me to create a XXXX  transaction and use XXXX. When I downloaded this app I discovered what it is and said I did not want to send any money. So they asked me to purchase XXXX gift cards. This is when I tried to hang up but I couldnt so I shut my phone off. 
I have reported this to my credit card company and have received a new credit card. I also reported it to my bank to put a red flag on anything suspicious. 
I am now reporting this to you and want these people prosecuted. I do not have a PayPal account nor a debit card through them. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while Experian and XXXX report it as a collection/charge off. XXXX and Experian are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.

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 2022-10-26
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Had a personal loan with Wells Fargo initiated probably XXXX  years ago went through for closure in bankruptcy eight years ago and it was taken off and then it was in the amount of about {$24000.00}. They never took any more payments out of my account or anything so obviously it was handled in the bankruptcy then about four months ago all of a sudden they took the {$24000.00} out of my account without my knowledge And when I called them, they said it was from that loan I explained again it was gone through foreclosure and bankruptcy, etc. etc. and they refused to listen and said I opened it and just took the full amount out of my account which was my savings, and that all I had to my name Has caused me terrible difficulties. Would love to see some of this brought back thanking you in advance for anything, you can do been with this company since XXXX  or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while XXXX and Transunion report it as a collection/charge off. Transunion and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.

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 2022-08-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/XXXX, XXXX XXXX alerted me to a " hard '' credit inquiry that took place on TransUnion. When I investigated, I saw that it came from XXXX XXXX XXXX. I did not apply for a new account with any company, including XXXX XXXX. 

I just received a letter in the mail from XXXX XXXX ( XX/XX/XXXX ) that is dated XX/XX/XXXX. As stated in second paragraph, " This letter serves to notify you that the approval of your application for a XXXX XXXX XXXX credit card has been reversed and your account will not be opened because the Program Fee was returned unpaid. '' I'm thankful the account wasn't opened, but need to report the fraudulent activity. I'm not sure what other steps to take to prevent this from happening again. If someone has my information to try to open an account, it's only a matter of time before they try it again.

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 2022-08-21
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the morning of XX/XX/XXXX, I was scammed via XXXX XXXX. I was selling a loveseat online for XXXX. XXXX XXXX reached out to me saying that he wanted it and asked if Zelle would be okay. He sent me the XXXX and sent me the screenshot. I then got an email saying that the payment was pending but the buyer had to send me an additional XXXX for my account to be upgraded to a business account. He said he would send it if I would promise to send it back, I agreed. Once he sent me the XXXX I sent it back, but never got any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away XXXX years ago and left no will. The property went to my mom. We moved in with my mother to help take care of her, she was trying to get a loan modification, they told her to not make any payments until the modification went through, but that never went through. They kept telling her things were missing and she kept having to resend the same documents over and over. She got behind and the mortgage company kept telling her, that unless she could pay the total amount behind they wouldn't accept it. My mother passed away in XXXX unexpectedly and shortly after her death we were served with foreclosure paperwork. I contacted the mortgage company and they refused to speak with me. I am the personal representative for my moms probate and they still refused to speak with me. I have sent them all the paperwork they requested and they still say that it is wrong. They even say now that they have nothing to show my mother is dead, when i sent them all the paperwork. I replied to their summons and requested foreclosure intervention, I just received the denial letter, even though I was never contacted about any of my information to work on an intervention. They have served someone not related to me, the foreclosure intervention was denied through the law firm of the prosecutors lawyer. I filed a XXXX  for unfair practices and requested foreclosure intervention again. I just received an email for mediation, I'm sure that's because I requested a XXXX XXXX. I have contacted them numerous times and the lawyer to no prevail. I want to keep the house and take it over, but I can't get anywhere. The company handling the mortgage has pages and pages of complaints of them doing the same things to other families, stringing them along until people get so far behind they loose their homes. I really just need help, but I am not made of money. I had to use my 403b when covid hit, so I can't even use that. I was wondering if you could help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: IA
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:
NFORMATION & FAQS CREDIT REPORT Credit reports are key to helping you confidently protect and manage your identity. You can rest assured- reviewing your report does not negatively impact your standing or score. 
Financial institutions, employers and insurers use credit reports to gain insight into your financial profile. Because they provide a record of your present and past credit use, credit reports may determine whether or not you will be offered credit, and on what terms. Inaccurate or fraudulent account information on credit reports can result in denial of credit, higher loan and insurance rates and even rejection for employment. The Federal Trade Commission ( FTC ) has prepared A Summary of Your Rights Under the Fair Credit Reporting Act, you may also find additional information on their website www.FTC.gov/credit. 

Understanding your credit score and the factors that impact it will prepare you to make the best possible decisions for your financial future. Want help reading your report? We've prepared a quick educational guide for you : How to Read, Use and Act on Your Credit Report. If you find inaccurate information on your report, you may contact one of our Credit Specialists to help dispute this information directly with the credit reporting agencies.

spliter UPGRADE YOUR PLAN XXXX  PURCHASE REPORT XXXX  Report History : XX/XX/XXXX - XXXX Print this page Download this report Three Bureau Credit Report Reference # XXXX Report Date : XX/XX/XXXX Quick Links : Credit Score / Summary / Account History / Inquiries / Creditor Contacts Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX Equifax Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Former : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX XXXX XXXX XXXX IA XXXX XX/XX/XXXX - Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

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 2022-11-25
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My complaint is against NATIONAL CREDIT SYSTEMS. Today I pulled a copy of my credit reports, and upon doing so I discovered that NATIONAL CREDIT SYSTEMS is reporting a collection account to XXXX, XXXX, and XXXX while also reporting inconsistent across the credit bureaus. NATIONAL CREDIT SYSTEMS is also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law. 

They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

I am demanding that NATIONAL CREDIT SYSTEMS delete the collection account they are reporting under my social security number immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/13 account closed, stated would receive check within 7-10 days funds are frozen and unable to pay my bills. 
Was unable to schedule a prior day credit card payment to a Chase card and was assessed late fees and charged interest ( which they claimed would be reversed ) Approx {$160000.00} frozen in Chase Sapphire checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called to ask Aid Vantage to cancel the consolidation of the lowest interest loan I have because I did not want it on the list of loans in my consolidated loan request. In effect, this mistake increased my interest rate from 6.310 % on a {$45000.00} to a 7 % interest rate. They would not undo this loan from the consolidation. They said it was final and I could not change it because the Dept of Education and Congress said it could not be undone. The loan is still in process at XXXX XXXX. I will try to contact them as well, but I have to wait 12 hours for a call back. They called me back this morning and told me to call Aid Vantage. This is a huge error and will cost me a lot in interest going forward. 
I did not realize that this was going to be such a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/2022 XXXX via SYNCBXXXX  has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation