BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted LoanCare LLC on XX/XX/XXXX to obtain a payoff amount/date. I was told via phone of the payoff amount ( {$59000.00} ) that would be good thru XX/XX/XXXX and the customer service rep also said they would send an email with the information. Based on the amount provided over the phone, I submitted a payment to satisfy my balance. This payment was submitted in the same manner as all payments have been submitted which is an electronic transfer from my bank. This transfer was received by LoanCare on XX/XX/XXXX. 

I had not heard back from the company and called them today ( XX/XX/XXXX ). I was told by the customer service rep that my payment had been received but had not been applied to my loan. The rep stated that because the payment wasn't submitted by Cashier's/Certified check or wire transfer it would not be applied to my loan until Friday XX/XX/XXXX, 10 business days after LoanCare received the payment. 

I stated this doesn't make sense, this was never explained to me and that I submitted the payment as always and by holding my payment for 10 days this would cost me extra interest. I stated the payment should be applied based on the date the payment was received ( XX/XX/XXXX ). The rep stated that wasn't their policy and it would be applied as of 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 explanation
Consumer complaint received 2019-08-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019 I sold some theatre tickets on XXXX and XXXX sent the proceeds to a Paypal account that was specifically setup for this transaction. 

Paypal would not accept my legal PO Box address as a " confirmed address '' and refused to let me withdraw my money via a paper check without either 1. adding a bank account, or 2. adding a credit or debit card to my account.

After entering my physical street address and again requesting to withdraw my money via a paper check, Paypal required that I add a bank account before they would allow me to withdraw my money.

After calling Paypal customer service, they managed to force the address confirmations thru their system. I then proceeded to attempt to withdraw my money via paper check again.

Paypal next forced me to a screen where I had to " set up with a PayPal Cash account '' or I would not be allowed to continue on to attempt to withdraw my  money. Apparently this is way of forcing the customer to agree to new terms and acknowledge new terms and conditions, here is a paste of the verbage : " Not FDIC insured. 
No overdraft/credit feature. 
Contact us at XXXX, by mail at PayPal Inc., Attention : Legal Department, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or online at paypal.com/us/smarthelp/contact-us. 
For general information about prepaid accounts, visit cfpb.gov/prepaid. 
If you have a complaint about a prepaid account, call the Customer Financial Protection Bureau at XXXX or visit cfpb.gov/complaint. 
By clicking Agree and Continue, I can confirm that I have read and agree to the PayPal Cash Terms and Conditions. '' I attempted to call the Paypal " legal department '' at the phone number mentioned in the disclosure. It is not a phone number for the legal department : it is a general Paypal number where you must give them your social security number, your phone, number, and other identifying information before Paypal told me that I can't talk to the legal department, maybe they can help me, etc.

There are many misrepresentations, false/deceptive advertising, and bait and switch tactics involved in this process. Paypal represented to me that I could get a paper check and " all I had to do was open an account '' and click a button.

After insisting that I be allowed to speak with someone who can help, Paypal very quickly managed to " request a paper check '', and " There it's done '', and " It should arrive in about two weeks ''. Two weeks? Seriously? Are they working the float on my money? This is outrageous : no FDIC bank would be allowed to get away with this-so why is Paypal allowed to get away with it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Loancare on or about XX/XX/2022. Since then my payment is listed incorrectly. I have placed several calls and each time I was told to wait as my loan was being " reviewed ''. To date, nothing has been corrected. The main issue appears to be with my escrow. I received a check from Loancare for approximately {$5300.00}. However, this now means I have very little to almost nothing in escrow. As my taxes and insurance come due, I will not have funds in escrow to cover those amounts. I assume my payment will then jump from the incorrect amount of {$1600.00} to who knows what. I used to pay $ XXXX. Nothing changed, just the servicing and now I have a {$5300.00} check and my payment went from {$1800.00} to {$1600.00}. Additionally, I can't make an online payment for some reason as the " scheduling is currently unavailable ''. I'm not calling in an wasting my time anymore. They need to fix this now.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

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

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 2022-03-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
RAMCES DUFRESNE ACT.XXXXXXXXXX
 WELLS FARGO BANK OPERATIONS MANAGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I TOLD THE BANK THAT ON XXXX THAT I SET COURT HEARING XXXX XXXX XXXX CASE XXXX I NEVER STOP PAYING MONTHLY CREDITOR XXXX. SUPPORT
STILL THE BANK FROZE MY CHECKING ACCOUNT FOR 60 DAYS AMTXXXX
I AM UNABLE TO PAY MY MORTGAGE, PROPERTY TAXES, LIGHT, WATER, WIFI BILLS AS A XXXX XXXX V ETERAN WITH XXXX XXXX  I AM DEVESTATED MENTALLY DEPRESS ABOUT TO BE HOMELESS. MY LIFE IS WRECKLESS. PLEASE 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2022-03-31
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Navy Federal uses the wrong info on the XXXX report. NFCU HAS MY CREDIT ACCOUNT SCORE AT XXXX.MY XXXX SCORE IS XXXX. I JUST ASKED FOR A NEW LOAN SO I CAN GET A LOWER INTREST RATE ON MY LOAN. THE SAME THING HAPPENED TO ME WITH NFCU ON A PREVIOUS LOAN. I WAS DENIED A LOAN BASED ON INACCURATE INFORMATION WHICH I HAD TO PERSONALLY CORRECT BY OBTAINING THE CORRECT INFORMATION ON MY OWN. THE LOAN I ASKED XXXX WAS BASICALLY THE SAME AMOUNT THAT I OWE ON A HOME IMPROVEMENT LOAN. I HAVE READ THAT NFCU MAKES IT DIFFICULT FOR PEOPLE IF COLOR TO OBTAIN LOANS, AND IF THAT IS VALID. I FALL INTO THIS CATERGORY.I HAVE A FLAWLESS REPAYMENT HISTORY WITH NFCU & 30 YEARS AS A MEMBER. I DO NOT UNDERSTAND WHY I WAS TURNED DOWN FOR A LOAN THAT IS ALMOST FOR THE AMOUNT I CURRENTLY HAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to investigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$9100.00}

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 2023-06-30
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-05
Company: BRite Financial Services, Inc.
State: MI
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:
After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/13 who informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with XXXX, the company informed XXXX this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at 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 2018-04-08
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Due to the storm they called me to see if I had any damages and if I reported to my insurance. I said I do have damages on my roof and that I had to fix it out of pocket because the deductible is to much. They told me I can do this thing referente for three months pay nothing and for those three months they will put the money I owe to the back of the loan. I said ok but I will pay {$200.00} a month. Then after that was over continue paying my regular amount after three months. They took it upon them self to put me to see if I would be available for Mediation after almost 2 months they said I wasnt approved and can I pay the two months I owe and if I dont it will go on my report when they are the ones that put me here. I believed they was helping instead they wasnt. Now my credit is going to go down because of them Lying to me. I want this late payment thing to go away because it was not my fault they told me that it would go in the back of the loan. Everyone I pay they telling me Im paying for another month. If this would of happen I would if still be ok without there 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 2023-12-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL!

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any 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 XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX {$13000.00}

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 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Merrill XXXX over a 5 week period gave me wrong info on my moms account so It made it horrible to try to convert her single name account to her trust and it took Merrill XXXX 5 weeks and 13 phone calls to even learn Merrill Lynch/Merrill XXXX had their own POA form I had to fill out. I should have been told about this in the first phone call. I have provided all the proper info and for the last two weeks that I found out they were closing my moms investment account when we did nothing wrong. They lied about mailing out the check twice hung up on me once and refuse to send my mother her money. The branch people at B of A are no longer allowed to speak to me. Merrill XXXX is holding {$30000.00} of my moms money and wont move it into her B of A account. My mom and her father banked with B of A for 80 years. I NEED YOUR 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 2022-08-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I asked XXXX to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from XXXX states by law they are allowed to gather information without my consent. I am demanding this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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