BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Details and screenshots of evidence are in the attached documents. ( emails to SunTrust with clear description of the problem and requests ) In short : A $ XXXX payment to get up to date on payments after my forbearance period ended in XXXX was not appropriately applied. 
As result, my balance did not show correctly. Several attempts to have this corrected went unanswered. 
After many long calls, changes were made to my account, however resulting in wrong payment applications again. 
SunTrust claims I did not pay my XXXX payment, even though it shows paid in time in full on their own systems ( online account ) and has been deducted from my bank. 
So I had to pay XXXX twice. This $ XXXX payment has not been fully applied to my account Several requests, in writing, have been ignored. They are not making any efforts to truly resolve this. 
Many other smaller issues in addition, but this is a summary. 
I have records of every account statement, email sent, phone calls and errors made by SunTrust.

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 2022-01-13
Company: LEXISNEXIS
State: GA
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:
Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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 received a copy of my of my credit report and noticed fraudulent accounts on my credit report.Reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$710.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$16000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$310.00}, reference number XXXX date of service XX/XX/XXXX balance {$160.00}.

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 2023-05-10
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2023, I received a email from the bank that my pin has been changed. But I didn't initiate this action. And I sent a message to the bank immediately. The next day, I noticed that online automatic payments I had scheduled were being returned for insufficient funds. But l provided for these payments in my account. When I finally got access to my bank app, I noticed XXXX withdrawals totalling {$1500.00} had been made from my checking account. I didn't initiate these withdrawals. The statement showed that this activity was done at XXXX, XXXX XXXX XXXX XXXX. When I contacted the merchant, they identified these charges on their system. But said, my bank atm associated with my checking account at Chime Bank was not the card used in making the transactions. The last XXXX digits of my card which I provided the merchant did not match the card on file used for the purchase. I contacted Chime bank the first few days after noticing these charges. Chime initiated a investigation. But within XXXX hrs, Chime returned with a verdict that no error occurred and as such, I will not get a temporal credit or a full refund of the debited charges. I called Chime again, stating my displeasure with the first complaint. And they reopened the investigation for the second time which is ongoing as at the time of my making this report. Chime failed to secure my funds in its care. The Company through recklessness allowed thieves to gain access to my funds even without using the debit card it had issued me. This was evident after l had called the merchant in XXXX XXXX XXXXXXXX, the location of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2020-05-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Case update : XXXX Through PayPal and XXXX. 
XXXX XXXX has repeatedly taken amounts of money from my debit card for unauthorized transactions. I had one authorized transaction and XXXXPayPal has taken 4 unauthorized transactions for XXXX and took another 4 unauthorized transactions for XXXX each. Recently, I had to cancel a credit card and report it for fraud because the bank called and stated that the company had taken XXXX from the account and then tried to take another XXXX from the account ten minutes later. These charges were disputed to PayPal and they concluded their investigation within 3 hours stating that these charges were consistent with my spending. These transactions were not. I use PayPal for a XXXX XXXX XXXX and have now disabled any credit cards attached to the account. I want all funds reimbursed to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed in error, and I respectfully request that you re-investigate my case and restore my account, if possible. 

Firstly, I would like to emphasize that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe consequence. I have always used my PayPal account in good faith and in accordance with your terms of service. Therefore, I am confident that this limitation was a mistake. 

Secondly, I am aware that PayPal has strict policies and procedures in place to ensure the safety and security of its customers. However, I strongly believe that my account has been unfairly targeted, and I would appreciate a thorough investigation of my case. I am willing to cooperate fully and provide any necessary information to resolve this issue. 

Lastly, I would like to request that you restore my account to its previous status as soon as possible. As a longtime PayPal user, this has caused significant inconvenience and has impacted my ability to conduct online transactions. Additionally, the email address associated with my PayPal account is XXXX, which I hope will assist in locating my account. 

In conclusion, I respectfully request that PayPal reviews my case and considers reinstating my account. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against my current mortgage lender, Caliber Home Loans. To start, I've been in the mortgage industry for almost 20yrs and I am shocked and dumbfounded by the deception of this company and the constant harassment I've received and I've kept documentation for proof. First off, the prospect of removing my Mortgage Insurance with this company seems impossible. I have way more than 20 % equity in the home and my MI is eligible to be released, but when I've called ( after receiving refi offers from Caliber ) they say I am not eligible without giving a reason. They also refer to my escrow shortage ( I currently escrow with Caliber ) as being delinquent which is not true. When I thought I was ready to drop my MI, they took my payment from XXXX to {$1900.00} to account for this shortage which is a ridiculous increase and forced me into my next situation. 

I applied for the Safe act forbearance in XXXX only to be approved immediately on XX/XX/XXXX, then I was sent a letter dated XX/XX/XXXX from Caliber saying it was denied and there are better options for me? How is this the case? When the federal govt decided to offer this great assistance, was it determined the lender can deny it ( I have a fha loan ) and tell me I should modify loan or sell? I am constantly harassed by Caliber with phone calls to the point I had to block them. I have record of a call everyday going back over 60 days. I have advised them many times I use this phone for call but that only seemed to intensity the call.

Again, I've been in this industry for a long time spanning from XXXX, XXXX  XXXX XXXX and now XXXX XXXX  and I have NEVER EVER, seen this type of practices. I have consulted a real estate attorney in this matter as well but I am hoping and praying the correct action is taken and this company is investigated because they are taking advantage of people in times when people need help. It's wrong. If needed my Loan # : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: AL
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed XXXX hard inquiries with each company and they claimed that they sent letters to the 3- bureaus but once I notified them a month or so later the companies said I had to contact the 3 bureaus to have the hard inquiries removed but they gave me the run aroundIve been trying to dispute these hard inquiries since XXXX. My credit report been under fraud since XXXXXXXXand Im still a victim of fraud. I was in prison from XXXXXXXX XXXXThe potential negative item came from my old bank XXXX XXXX  which XXXX had hooked my bank card to cash app and was a victim of fraud,. Someone did an overdraft of {$500.00} and the fees made it {$13.00} and something dollars which I disputed and won. Industrial bank put the account at XXXX but did it as an charge off when it wasnt. XXXX points were taken from my XXXX XXXX. I disputed that but nothing happened. Can you help me because this is stressing me out. Thank you and have a blessed day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES/PHEAA recently closed a complaint where they made false accusations against me that they blocked my chat capabilities because they claim that I engaged in " Inappropriate behavior ''. AES/PHEAA has fabricated this and lied. The reality is that their employee was engaging in Inappropriate behavior because they blocked me for asking questions. Why would their Agency unblock me and submit a grievance against the employee if they did not feel it was the fault of that Chat Agent? Whoever responded to this last complaint will also be getting a complaint against them as a result of the false statements made against me. I will also be reaching back out to the Inspector General with a copy of these complaints. I'll be requesting that the IG traces the responder and issue corrective action as a result of this response. The previous response was not appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and TransUnion. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by TransUnion. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact TranUnion and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company XXXX XXXX XXXX is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with XXXX XXXX XXXX and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX   He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that XXXX XXXX makes him do that to people. He told me that XXXX changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. XXXX violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.

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 2020-04-03
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: Their investigation did not fix an error on your report

Complaint:
Trans Union is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).

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 2023-09-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Comenity Bank/Express acct XXXX XXXX has violated my rights on XXXX XXXX  1

5 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: NM
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 just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND Equifax has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXXXXXX XXXX even though I have a savings account with them because they uses equifax and couldnt access my report. Again Equfax was no help. This is my last attempt before I lawyer up and sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: AL
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:
Hard Inquiries found on my credit report that are fraudulent, listed as follows : XXXX. XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Experian 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
Consumer complaint received 2018-12-13
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to recent health issues I was not paying very close attention to my mortgage. I just paid it. I realized in XX/XX/XXXX that my payment increased by XXXX PER MONTH and had been that way since XX/XX/XXXX. I called myloancare and they stated that my town taxes increased dramatically from XXXX a year to XXXX per year. I went to the town hall and they said I missed the homestead exemption. We calmly spoke and they said we can fix it it will take a month till the board meets on XX/XX/XXXX. The town met and sent me an abatement letter and a copy of the taxes backdated to the beginning of XX/XX/XXXX stating my taxes are in fact XXXX per year. I immediately sent the letter and abatement to my loancare, confirmed they received it and they said they would run an escrow analysis and fix it on XX/XX/XXXX. In the meantime I have overpaid by XXXX dollars without XXXX XXXX payment even being made yet. I received an email on XX/XX/XXXX from my stating that myloancare sent the Town of XXXX another XXXX dollars in tax payments that wasnt even due until XX/XX/XXXX verified by XXXX at the town of XXXX tax office XXXX. She said why did they send that and why would they do that " WE SPOKE TO THEM " AND TOLD THEM YOUR TAXES were XXXX per year. After the escrow analysis was marked as completed on XX/XX/XXXX by my loancare they update my account stating that my taxes are XXXX dollars per year and my payment was still XXXX higher than it should be at XXXX per month. When they have a black and white paper stating my XX/XX/XXXX and XX/XX/XXXX taxes are XXXX per year and spoke to the town and verified it with XXXX. They have refused to fix the account and refund any monies owed to me and just keep giving me the runaround. The stress of calling everyday and disputing the same facts with different people on any nornal time would be too much never mind with health issues and at XXXX time and being out of work but NEVER MISSING OR delaying any payments. Please help me please. They know they have the power and are just bullying and not doing what they are supposed to. It is very very wrong. And this stress is not healthy. I just want to pay my mortgage and not have to deal with this sham of a company.

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