BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Paypal Holdings, Inc
State: AL
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, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always adhered to the terms and conditions set forth by PayPal and have conducted my transactions in a lawful and ethical manner. Therefore, I am confident that there has been an error in the assessment of my account. 

I kindly request PayPal to re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I believe that a careful review of my account activity will reveal that I have been a responsible and compliant user. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate it if you could provide updates on the progress of the investigation and any actions taken. 

I trust that PayPal will take my appeal seriously and give it the attention it deserves. I hope that you will reach a fair and just conclusion, recognizing that I have not violated any PayPal policies. Restoring my account would greatly alleviate the inconvenience and distress caused by this limitation. 

Thank you for your prompt attention to this matter. I look forward to a positive resolution and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays.

I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it. 

I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet. 

I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.

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 2023-03-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued. Spoke with XXXX XXXX. 
Awaiting XXXX XXXX ... .. after XXXX XXXX XXXX the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the XXXX loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The XXXX XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

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 2023-08-15
Company: Telsa Motors Inc
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
copy of my letter to collection agency and Tesla Re : Tesla Ref : XXXX, XXXX  XXXX Sir/Madam I hope this letter finds you well. I am writing in response to the claim you have filed against me regarding the return of a vehicle leased from Tesla. I would like to address each of the points you have raised as follows : 1. The car was in legal compliance with the state of New York 's Department of Motor Vehicles regulations. It met all the necessary requirements, including but not limited to registration, inspection ( which includes tire conditions ), and insurance. I have upheld my responsibility in ensuring that the vehicle was following the applicable laws during the term of the lease.

2. All the tires on the vehicle were in good shape. In fact, I had provided photographic evidence of the tires ' condition to Tesla prior to the return of the car. The tires were properly maintained and met the safety standards set forth by Tesla. The vehicle had only XXXX miles after 3 years. 

3. At the time of return, Tesla accepted the car without stating any issues with the tires or any other aspect of the vehicle. If there were any concerns regarding the condition of the tires, it is reasonable to expect that Tesla would have communicated them during the return process. However, no such communication occurred, and I proceeded with the return based on the acceptance of the vehicle by Tesla.

4. It is important to note that Tesla requested the return of the vehicle to a specific location, which was not originally agreed upon in the lease agreement. As a result, I incurred the loss of a day 's work to fulfill their request and avoid any further complications. I acted in good faith and followed Tesla 's instructions, which resulted in financial and professional inconvenience for me. 

5. I understand my claim for lost wages resulting from the decision to return the car to a location outside of the lease agreement. However, it is crucial to recognize that this decision was made at the request of Tesla, and I complied in an effort to address the situation efficiently. As a result, I incurred financial losses, including additional expenses and the time taken away from work, which directly impacted my ability to earn wages during that period.

6. Based on the aforementioned points, I firmly believe that the claim against me is without merit. I kindly request that you reconsider your position and withdraw the claim. If you persist in pursuing this matter, I will be left with no choice but to take legal action against Tesla and XXXX, XXXX XXXX. Please be advised that if the claim is not withdrawn by XX/XX/2023, I will proceed with filing the necessary legal action. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution without further legal action. Please contact me at your earliest convenience to discuss this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: M&T BANK CORPORATION
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:
My identity was used without my authorization and or knowledge to open an Auto loan with M & T bank. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL 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 non-monetary relief
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened QuickSilver credit card with Capitol One bank sometime in XX/XX/2020. The lady on the phone sometime in XXXX before I did a transfer from XXXX XXXX bank told me over the phone that the percentage on the cards here would be 19 %. 
My interest in XXXX XXXX were very high, so I decided to transfer the money to Capitol One bank on QuickSilver card. 
I transferred 2 different balances XX/XX/2020 - {$1200.00}. 
XX/XX/2020 {$610.00}. 
I was surprised when I found out that they Are charging me % 26. It is the same I had on another card from which I transferred the money! 
I talked to 2 managers, with one today name XXXX. 
It is useless. Why then the lady gave me the wrong info? 
I can not pay such a huge percentage! After COVID 19 started my hours at work were reduced to 15! Now 20. I have a lot of medical expenses. The only thing I can do is to file for bankruptcy, which I don't really want to. 
I wonder if you could talk to them. It is unfair. I could do the transfer to some other bank with lower percentage. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: KY
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:
Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Notarized Power of attorney to be able to handle my sons banking -as told was necessary -he is XXXX and needs his money to retain legal representation-He banks with credit karma and its terribly hard to get help-They requested notarized POA which we did-they sent a new debit card for the account-but I can not go into the account to activate it-I have told them the problem everyday-since the card came-everything with them and XXXX XXXX is electronic and uses the account holders phone for verification-my sons phone is gone and deactivated and they wont help by-pass this so I can get into the spend account he has to be able to activate it -I dont know what else to do he is scheduled to go to court again on XXXX-I keep getting robo replies and time is of the essence.Please help-Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AL
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 called and reported all the companies showing up on my credit report. I have contacted them and tried to resolve the false fraud being reported to my credit report, effecting my score. These places have already violated my consumer rights and sold my information to 3rd Parties. Nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I was laid off from my job. Having trouble finding work I applied for Unemployment Mortgage Assistance through Keep Your Home California. I was approved a few months later. I did not find employment until XX/XX/XXXX. This gap in employment put me in a big financial hardship. When I called Keep Your Home California to inform them I had started a new job they informed me that I still had 3 months of assistance and if I wanted to use tit. I of course said yes since I didnt have enough time at my work yet to make my mortgage payments. This would have meant my first payment would have been in XX/XX/XXXX. 

In XX/XX/XXXX I received a letter from Home Point Financial my mortgage company that they did not receive payment for XXXX. So I immediately called Keep Your Home California and the person who help me over the phone said that they made a mistake and my assistance actually ended in XXXX. I now was behind one month of my {$3600.00} mortgage payment. I immediately paid my XXXX mortgage and began to save up and cut expenses so that I can pay the amount I was behind. When i called Home Point to tell them what happened and the operator said they would have a manager call me to arrange some assistance to give me time to pay the balance that was not paid. I never got that call. I continued to pay my monthly mortgage of {$3600.00} I called the customer support line again in XX/XX/XXXX and the agent was supposed to split the missed payment into 4 different payments each month in addition to my monthly mortgage so that I may be able to pay it without having any negative reporting. This didnt happen either. I called again in late XXXX - early XXXX and the agent helping me said that they did not see any notes of my previous call or arrangement and that all they could to is split up my payment in 2. I agreed to this as well. But before my next payment I was able to save enough money to pay the balance in XX/XX/XXXX. 

I ended up paying {$7300.00} which is a large amount of money for my family and I. Since I am the only bread winner it took longer than anticipated to come up with that amount of money. What i was not aware of that my payment in XXXX was actually to cover XXXX and all my payments from XXXX - XXXX were always for the previous month making me have multiple months late and it affecting my credit report immensely negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have submitted three different disputes with TransUnion regarding my XXXX motor account being closed. It's been closed for over a year now. Recently with credit repair services they caused this account to open on my credit report again. I informed TransUnion that this information is not correct and that the payment history does not even show on my report nor is the dates correct. They keep stating the verification is correct and have not changed anything regarding the account. I talked to TransUnion through chat and asked how far back are they able to track reports because they should be able to see this account was closed and was just recently reopened as if I have a new loan. TransUnion said they aren't able to do anything about it and that I had to contact XXXX. Which doesn't make sense being they are the bureau. I asked if its legal to open the account after being close and they said no it is not legal to do so. So now I'm reporting this because I'm lost to what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Synchrony Bank " CareCredit Card. '' This card offers a deferred period where if paid by a certain date, you will not pay interest. If not paid by this date, interest will be accrued retroactively to the date of purchase. 

In this particular instance, I had 2 separate transactions on 2 separate dates. However, they both had the same promotional deadline of XX/XX/19. The oldest of the 2 was the largest and all payments made were applied to this transaction until the last two payment, Synchrony then applied the last 2 to the second purchase. This left a balance on the larger purchase ... effectively making me responsible for the retroactive interest that was the highest. 

After over an hour on the phone and having to exert much force, Synchrony rectified this. They told me that this was done for my benefit since it appeared that I would not have the larger balance paid off, it was better to at least pay off the smaller of the two. I don't buy this for a minute and feel that this is a very underhanded tactic to extract the most interest possible. I only caught this when I went on line to see the balance that was remaining on the larger purchase, as I have every intent to satisfy this balance by the deadline. 

I think the actions of Synchrony is criminal and should be investigated!

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 2023-04-04
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.

Company response to consumer: Closed with explanation