BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
happy day Could you please assist me with my PayPal account? 

I frequently provide hosting services and digital goods through my PayPal account. 
Using the PayPal checkout button on my website, which is linked to my PayPal, I collect payments from customers. 
I also make a daily withdrawal from my account after the transaction. 
I recently received a message from PayPal saying, " You can no longer do business with PayPal ( Ref ID - XXXX ). '' I initially thought this was a system issue. 

I've completed every selling deal I've started, so I have a good track record and no problems. 
In relation to my verified PayPal account, there are no open cases. 
I utilize it professionally so that customers can pay me through the PayPal checkout on my website. 

Please help us to solve this problem. 
Please examine and restore my account as well so that I can continue to use it for business. 
I am prepared to present any relevant proof, including copies of the websites where the money came from and images of my financial activities. 
Help would be appreciated as My Paypal account was essential. 

Hopefully, I can rely on you for this. 

I'm incredibly grateful for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XX/XX/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 2022-04-04
Company: Total Card, Inc.
State: NJ
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:
This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a PaylPal line of credit, run by Synchrony Bank, on XX/XX/XXXX. I got approval for {$4300.00}. I put a moving bill of {$2300.00} on it the same day. The bank pulled my credit, creating a hard inquiry on my report that registered on my reports XX/XX/XXXX. A new account was reported on XX/XX/XXXX. I just received notice today ( XX/XX/XXXX ) FROM MY CREDIT REPORT NOT PAYPAL OR SYNCHRONY that this account is closed. It actually close XXXX days after it was approved and opened. 

Called PayPal and they said it was synchrony banks decision and they couldnt reverse it or explain it other that it was flagged as a reporting issue. 

Called synchrony bank and they said it was high risk and due to activitywouldnt say if it was activity in my credit report-which there has been NONE since they pulled my report and approved this credit line-or the activity on the credit line which again, has a single bill from a moving company and I havent even been a customer long enough to get a statement never mind make a payment so Beware! PayPal and synchrony bank can ding your credit report with a hard inquiry, open AND close an account within days of each other with no fraud or poor credit practices on your part, which also dings your credit score! I got points off for the inquiry and a massive drop with an account opening and closing within a week WITH A BALANCE ON IT! It totally destroyed my score! The only thing fraudulent and high risk is doing business with PayPal or Synchrony Bank! They can destroy my credit report with zero repercussions! Fraudulent and highly predatory! Creating issues on my score to reflect high risk when they are the cause!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-25
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have student loans with EdFinancial totaling {$25000.00}. 

I owed {$25000.00} as of XX/XX/XXXXXXXX  when my first payment was due. I paid this in full, but EdFinancial reversed my payment. Now I owe approximately {$100.00} more. 

I spoke with them on the phone, today, XX/XX/XXXX with no help. They said that would give me a call but have not reached yet and said that the interest could not be reversed. 

I already spoke with the bank and they said that EdFinancial never even attempted to take the money out. I definitely entered the account number correctly when I made the payment and did receive a payment confirmation. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-07-13
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I arranged a transfer in the amount of {$2400.00} from a personal checking account at XXXX XXXXXXXX XXXX to my Optum XXXX XXXX account on XX/XX/2023. The money was withdrawn from my personal checking account at XXXX XXXXXXXX XXXX  on XX/XX/XXXX. It is not available as of XX/XX/XXXX. I have called Optum Bank on three occasions this week trying to find out when the funds would be available as I need to pay a large hospital bill in timely fashion. If the aount is not available, I can not pay the hospital bill, and I will be assessed damages for late payment. I currenty have spend nearly XXXX hours on the phone with people from Optum Bank. They acknowledge that they took the money from my personal account on XX/XX/XXXX, but can not offer any explanation as to why it is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
It is TRANSUNION 's duty pursuant to the FCRA to report correct and accurate information on my credit report and file, and they are NOT. TRANSUNION is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED, which is not reflected in my report as my credit score has suffered.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this whole issue, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate late payments on my consumer report or file, thereby violating 15 USC 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination as my report reflects something that is simply not true.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX # XXXX account is listed erroneously.

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 2021-02-12
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2021, I attempted to use my Indiana Way2Go card to withdraw money from an ATM. The ATM glitched during the transaction and no money was dispensed. Upon attempting the withdrawal again, the {$210.00} had been removed from the account as if I had received the money. I spoke with XXXX who in turn directed me to call the card issuer because it is ant their fault the ATM messed up. Apparently, I was denied the hardship credit because I didnt have an urgent matter that would have given me the provisional credit sooner. Thats false because I was using that money to pay a utility that was up for disconnect. I spend 5-6 hours per day since XX/XX/2021 on the phone trying desperately to get an answer of why I would need to wait 45-90 days to get my money back. I have been hung up on by reps and flat out lied to about timeframes and processes. I was told to write my own personal statement about the incident and include the service ID number to expedite the process of getting the provisional credit sooner only to be told that the fact I wrote a statement instead of waiting for the claim paperwork, which still hasnt arrived as of XX/XX/2021. Now, I have to wait until XX/XX/2021 which is ridiculous because I need that money to pay bills! I have been lied to by almost every rep as they trash the previous reps comments to me. No one is notating the account as they claim they are doing, I am transferred to the wrong departments, given the wrong fax number to send my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Inacurrate and fraudulent accounts reported from my credit report.

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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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 recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX  # XXXX account is listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-10-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to log into equifax.com after previously having an account and access to their system. The general error when attempting to login is to contact the company via phone. After calling in numerous times and trying all their solutions, I still don't have access. I've been told to reset my password, use another computer, computer browser or simply to try again later. None of these work and I've tried numerous ways. 

I have done all these and it's really just an attempt to get me off the phone and never give me a solution that would fix whatever the login issue may be. Equifax has done nothing concrete and just gives me the run around to even resolve this login issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Ocwen Financial Corporation
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying an extra {$100.00} a month on my mortgage payment to be applied to the principal for years, Then in 2021 I had to file for bankruptcy, which, the house was NEVER part of the bankruptcy. My mortgage company at that time stopped putting the extra money they were receiving and putting into a suspended account without informing me of this action, We I did notice I called them and they explained the reason for it and I was told I need to send them a email to let them know what I wanted to do with the extra money I was paying in, which I did, They started to put the money on the principle again then a few months later they stopped and started to put it a suspended account again, once again I called them and they said I need to send them a signed letter once again so I did and at that time I stopped paying the extra amount, But they refuse to put the {$600.00} they are holding in the suspended account and applying it to the principal., I have faxed them many times requesting them to do so. and all I get is a letter saying the same thing. That {$600.00} would greatly reduce my mortgage since it would cut down on the interest over the course of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief