BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have been using PayPal for few years now until recently they decided to permanently limit my account for 180 days with some dollars in it. They later asked me for documents to verify my identity of which i sent and they sent me an email that they have approved my documents. Surprisingly enough they did not lift my ban because I can not transact. It was very unfair limitation and I needed the money urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: STATE EMPLOYEES CREDIT UNION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State Employee Credit Union ( SECU ) has been reporting to my credit file that I have 3 accounts with SECU that are in collections and past due. I made initial contact with the business on XX/XX/2023, in letter ( certified mail returned receipt ), demanding them to substantiate the validity of the debt. SECU received and signed the letter XX/XX/XXXX at XXXX XXXX. SECU failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please see exhibits in attachments. I have written to SECU on three separate dates requesting to validate the debt. In return SECU has responded without any validation what so ever, but insist on requesting I put my current address on the accounts that I am disputing. State Employees Credit Union is in violation of the FCRA and FDCPA, therefore, if SECU can not validate the debt, they must request for all reporting agencies delete the entry. State Employee Credit Union, violated NYCRR 23 Section 1.4 ( B ) Which says, A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. State Employee 's Credit Union statement to the effect is that it could not disclose as it sent the information to another address with a request to update the address is of no moment. I have no association or knowledge of what address SECU is referring to. Moreover, the law states the creditor ( SECU ) Must provide the information upon request and does not give allowances to excuses to deny the request. I will pursue matter to court if these accounts aren't substantiated accurately within 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Siggi LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Since XXXX of 2019, we have been struggling to deal with Omni Financial. My husband is XXXX XXXX military and after learning about the Service Members Civil Relief act and the Military Lending act, we realized that our experience with them has been unlawful. Unfortunately, we were taken victim by them several times. Seven in fact, because we simply couldn't pay our bills. Our interest rate has always been at 36 % with them. Which should have obviously sent a red flag from the start. Not only because 36 % is astronomical, but because it is the exact limit that they can charge my husband. Each time we applied, they told us that we had to set up direct deposit from my husband 's check. At the time, I didn't realize that was a violation under the MLA. I have tried several times to contact them regarding my concerns, however it's obvious that I'm being blatantly ignored. The last request was ignored for an entire month until I had time to sit down and call several times in a day. Still I was told that I would receive a response, and nothing. This morning she actually got back to me and tried using the term " obligation '' as a loophole in the law. She explained that there were no goods or services involved in our loan, so therefor, she didn't have to entertain my request. In addition to all of this, my husband 's home of record is Ohio. Ohio is a key provision state that protects debt acquired during XXXX XXXX as well as prior to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXXand XXXX was original mortgage servicer. After 2 years, in XX/XX/XXXX, my husband lost his job and we were trying to get a loan modification. XXXX  XXXX XXXX took over our mortgage and we were successful in getting a modification but right after our modification - our loan was sold to different servicers at least a half a dozen times. Fast forward to current and we continue to struggle to pay down the mortgage balance because in the modification change process with all the different servicers, the interest we pay on the second mortgage is 11 % and is set for 50 years! We would never have agreed to these terms!! Our primary mortgage is at 5 %. This was all a result of the initial XXXX  modification but we arent making a dent in our overall balance and we cant seem to get out of this interest rate because it was someway and somehow generated with one of the many servicers that we couldnt keep up with all the different companies to track down which one changed the interest rate and terms. It was only after speaking with someone about this and just my overall frustration with our mortgage today - and that they recommended we report this because this is defined as predatory lending and if there isnt a clear track of all the servicers and the changes, it needs to be reported. Please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX I took out a loan with XXXXXXXX XXXX  through Opploans.com. The contract lists nine payments through XX/XX/XXXX in the amount of {$210.00}. I had a deferment in XX/XX/XXXX and a payment that had insufficient funds in XX/XX/XXXX. I assume that would extend the contract to XX/XX/XXXX, and which I was told I was correct by a CSR and a Supervisor. They are now charging me additional interest which is well over a monthly payment and over {$300.00}, but Im unsure the full amount. The contract is over and theyre still charging me money. Is this legal? Would you please investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX started making HARD CREDIT INQUIRIES with Transunion. Since them they have made 6 HARD CREDIT INQUIRIES. 5 of inquires have been removed within a week. 
XXXX XXXX XXXX XXXX Hard Credit Inquires / XXXX XXXX XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Removal XXXX XX/XX/XXXX Inquire XXXX The HARD CREDIT INQUIRIES WHERE NOT AUTHORIZED! I have a credit freeze on all three credit bureaus for years, and have not applied for any new credit since at least 2017. Yet each month since XX/XX/XXXX XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES. 
On XXXX I contacted the XXXX  and was informed there have numerous complaints 2nd XXXX XXXX XXXX for the same issue. XXXX XXXX XXXX has made XXXX or more HARD CREDIT INQUIRIES.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-06-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan with Select Portfolio Servicing was paid off in XX/XX/XXXX. I recently had the title for my property checked and there was still a lien from them against my property. Unfortunately, the original Beneficial underwriter filed title paperwork for the loan that I declined as well as the loan that I accepted. The loan that I declined never existed. There was never a mortgage and the paperwork was destroyed. I called SPS regarding this issue on XX/XX/XXXX, and sent them a copy of the erroneous title lien the same day. It was uploaded into the account documents that I still had access to despite my account having been closed. I contacted their customer service department and was advised that the request needed to be referred to their reconveyance department for investigation which may take up to 30 days. I advised them to call me if they needed information or documents. I called SPS the week of XX/XX/XXXX and the associate got the impression that they were investigating the lien that was handled correctly despite my calls and the documentation that was sent to them. On XX/XX/XXXX there was a document added to my account that they were investigating my case with a new 30-day timeframe. This is unacceptable. I have a pending loan and this impacts a potential professional opportunity for my ex-spouse as his name is listed on the title as well. I have requested to speak to the reconveyance department and they do not accept incoming calls and I have not received a call from them. I need to have the lien against my property removed. There was never a loan for the corresponding lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: IL
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:
You will not believe this... 

This is a follow up to complaint XXXX that was already closed. In this closed complaint, Chase bank ran a hard inquiry on my credit for credit limit increase after saying over the phone twice that there would be no hard inquiry. Chase ran an investigation and confirmed the representative did give me wrong information after reviewing the call ( documented in complaint XXXX ) but said they would not remove the inquiry because of that as credit limit increases are assumed hard pulls. 

My question is, " Who should be doing the assuming??? '' I have other banks that don't do a hard pull so that is why I made sure to ask before applying for a credit limit increase. Chase launched a second investigation on my case. 

Chase called me today with results from that second investigation and said after review of the call, Chase determined that it was hard to hear the phone call and that I didn't hear the representative correctly when he said " there is no hard inquiry ''. Chase is now claiming the representative said " there would be a new inquiry ''. 

The first investigation already confirmed I was given wrong information by the representative. This call from Chase today was so ridiculous I had to file another complaint. The lies are just unacceptable. 

Just do the right thing. Chase made a mistake and a customer suffered for it. Repair the wrong. I'm not sure why Chase would rather launch multiple investigations and make up lies instead of just doing the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2023 is when transaction occur total amount {$3900.00} dollars where sent to a person XXXX XXXX via chime unsure who person is filed a police report and also dispute it through chime i keep getting denied. i have bills and was scam out of my money. Chime will not release my funds back to me i have disputed this three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
They have my worng persoanl information reporting

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 2018-03-10
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:
I set up a payment plan in XX/XX/XXXX with XXXX to pay a bill that I owe, the total was $ XXXX.The agreement was to make a payment every Friday of {$40.00} until the bill was paid. 

I paid the bill off through XXXX. 

That same month a collection ( XXXX  XXXX ) appeared on my credit report with an inaccurate amount of XXXX that I owe to XXXX. 

I called XXXX and told them what was going on and they told me I would have to contact the ( XXXX XXXX ) collection agency to get it removed. 

I contacted the collection agency and was told that XXXX would have to update them saying it was an error on their end to have it removed. 

I contact XXXX and was told it would be removed. 

XX/XX/XXXX, I received a letter from the collection agency saying that sent in a request to all bureaus that the negative remark be deleted. 

It has since been deleted from my XXXX report. 


I have disputed it on Equifax and XXXX report. 

Equifax sent me a dispute update via mail saying that it was updated, which is inaccurate. 

XXXX  closed that account and its now say paid collection, which is inaccurate but I didnt make a payment to the collection agency, all my payments were through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I was in the loan modification process this year, on XX/XX/XXXX I was sent a letter from Flagstar Bank to send my income docs, hardship letter, and income worksheet. We mailed the information back in the envelope that was sent on XX/XX/XXXX and in XXXX when I called to make a payment I was told that my home was now in foreclosure, this is not what I was originally told. The customer service rep stated, If I continue making payments and send docs when requested the payments that were not made during the hardship forbearance would not be considered late due to COVID. Then on my credit report, it showed over 180 past due for those payments not made while I was in the forbearance. I was told that by continuing to make my payments those would not be held against me but the payments would show on my credit report in good standings. So I got approved for a new modification but the late pays still shows on my credit when I did everything they asked when I called and asked why I was ever denied the representative told me they have a new servicer that didn't accept the original documents and I never was told that. So now this hurts my employment because I work in the XXXX XXXX and lowered my score drastically.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Validate Inaccurate/Reported Late payment XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : 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 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report 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 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 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 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 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