BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I logged onto paypal to change the credit card saved to make payments on an automatic subscription to XXXX XXXX XXXX. The credit card ending in XXXX had been compromised, so my credit card company cancelled that card and sent a new one. I went in and changed the card to the new one. I then noticed I had a negative balance of - {$79.00}. 

On XX/XX/XXXX XXXX XXXX XXXX processed the automatic payment for the subscription. Because I still had the cancelled credit card on file it declined. So paypal attempted to charge my checking account ending in XXXX without authorization. I closed this checking account a week ago, so that also declined. As a result, paypal took it upon themselves to pay the {$79.00} to XXXX XXXX XXXX and put a - {$79.00} balance on my paypal account. I called them to ask them to reverse this and to charge the new credit card instead. They said there weren't able to do this. I asked to speak to a manager. I asked the manager why did they process an unauthorized charge to my checking account and pay {$79.00} to XXXX XXXX XXXX. The charge should have just been declined. They said I never had my credit card set up for the automatic payment. That I either had no payment method selected or had the checking account selected. I assured them that I linked it and saw it was linked right before I added the new credit card on XX/XX/XXXX. My point is further proven by the attached automatic payment that was made in XXXX showing the linked credit card that had been cancelled. She insisted that I did not have it linked. I informed her that this was an unauthorized charge to my bank account and should not have been done in the first place. I asked her how can I prevent this from happening in the future. She said because I now have it linked to a credit card it won't charge my checking account. But again, it was already linked to a credit card and they attempted to charge my checking account that left me owing paypal a negative balance. I paid the {$79.00} to avoid any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Mercedes Benz Financial Services
State: NV
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 been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX  XXXX Balance : {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2021 Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, I am writing to request that you review the following information that was entered on my consumer report. 

XXXX XXXX XXXX ending in XXXX I attempted to use this card on XX/XX/2021 at a local restaurant, the card was denied. When I logged into my account I found that there was an overdue balance outstanding that had not been paid. I contacted XXXX XXXX this morning and found out the problem was that XXXX had put me on paperless billing without my knowledge. I have had numerous financial accounts request paperless billing and have always refused because I was afraid this is exactly what would happen. 

When I realized the account was past due on XX/XX/2021 I immediately paid the balance in full. I explained this to XXXX this morning. The only problem is that I paid using my online banking which will make the payment on XX/XX/2021, however the due date is today. XXXX accepted responsibility for the mix-up, removed all late fees and assured me my credit score will not affected more than it has already. 

If you review all of my accounts due over several years my payment history has been excellent. My credit score has been excellent for quite some time now. 

The purpose of this letter is to ask that you adjust my score to where it would have been if the late payments had not occurred. I hope that my credit will not suffer because of actions taken by XXXX and not approved by me. 

Thank you for consideration in this matter. 

I have spoken to Experian twice but have not been able to review the results of my dispute.

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 2022-12-27
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I demand that these items be investigated and removed from my report. It is my understanding that the bureau will recheck these items with the creditor who has posted them. Any information that the creditor can not verify must be deleted I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter its been well over six months. The following information are incorrect. I would like it removed from my credit history report XXXX Account Number : Please correct/update this inaccurate information on my credit report. 
XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF ED/XXXXXXXX Account Number : This account is inaccurate XXXX. FDCPA Section 807 violations misleading false report DEPT OF EDUCATIONXXXX  Account Number : This account is inaccurate and XXXX. FDCPA Section 807 violations misleading false report XXXX XXXX XXXX  Account Number :. 

These account are inaccurate The following information has not been verified and, following failure to verify, deleted from the report as soon as possible these accounts are deed in vilation remove immediately. Stop updating Delete and Remove Inacurate reporting now. 

I have address misspell names open and closed reporting dates and so much violation to many name.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i am a victim of identity theft. my id was stolen and used to get loans and credit. I filed the correct paperwork and sent it to the credit reporting agencies per the FCRA. The paperwork has not been processed correctly with the disputes. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX I have not been given copies of the verification process per the FCRA.

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 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance XXXX {$530.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the  XXXX email address that was provided to me. 
I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system. 

This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview. 

However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills. 

Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved. 

I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview. 

Thank you so much for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ALL COMPANIES ARE IN VIOLATION OF LAW!!!! 

" FAIR CARES ACT ''!! 



RESPONSE DISPUTE!!!!!!!!!

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c 
) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I opened an ApplePay account in XX/XX/2022. Goldman Sachs keeps putting charges on the card ( {$4.00} monthly and {$29.00} once ) there is no description of any of the charges. I have yet to use the card. 

They told me the only way to pay is to give Goldman Sachs access to my bank account and have them take the money out. 

I have called multiple times and they will not mail me a physical statement. 

I finally got them to email me a bill. They emailed me a bill for {$9.00} that states that it is due XX/XX/2022. They reported me delinquent on XX/XX/2022. 

The charges on the card are all in dispute. Goldman Sachs is threating me with this mark on my perfect credit -- this is blackmail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Home Loan Center, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/, I submitted an online request through Lending Tree to find the best rates for a VA interest rate reduction loan ( VA IRRL ). I have yet to receive this information. What actually has happened is, I have been inundated with 30 to 50 calls everyday this week from random lenders that I have never heard of. I am getting calls as early as XXXX hours and as late as XXXX hours. The calls are coming about every 20 to 30 minutes consistently. They are contacting me about a VA Cash-out refinance, or home equity loans with their mortgage company. I had to turn off the ringers on my home phone and my cell phone. I asked several of these lenders how they got my contact information? Each of them stated from Lending Tree. This is unacceptable. Lending Tree should not be able to sell my information to all of these unknown mortgage companies that are not even offering the mortgage product information I requested on their website. Now I am overwhelmed with calls from companies trying to sell me a product that I didn't ask for. Of course Lending Tree references the fine print on their page that the consumer agrees to be contacted by their partners. If they are contacting me it should actually be for the mortgage product I requested. None of the several companies I spoke with offered a VA IRRL. This practice should be illegal if it is not already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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

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 2023-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX, has violated my rights. 

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard
working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me.

I have reached out to XXXX Transunion, and XXXX and have not been assisted.

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 2021-06-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2021 I filed a fraud affidavit with Synchrony Bank. Someone had used my card without my knowledge or permission. My fraud claim was denied, stating that statements had been mailed to my home. I rent rooms in my home and tenants have access to all areas of the house. Someone used my card, as their own, charging and paying the minimum, and charging more. I am a XXXX senior and I knew nothing about this. Mastercard states that I am not responsible in the case of fraud. Synchrony continues to bill me for charges that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation