BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a PayPal account, with the email XXXX XXXX XXXX. Two transfers were made to that account : one for USD {$25.00} and another for USD {$10.00}. 

Subsequently, PayPal wrote me an email stating that I should attach some identity documents and others, verifying that the transactions are lawful. 

The documents were sent to PayPal, as requested. 

Subsequently, PayPal has indicated that my account is closed. That I will not be able to send or receive money and that USD {$33.00}, I will only be able to claim them for 180 days. 

I consider that it is an abusive policy. I agree PayPal is not obligated to have me as a customer, but must return my money immediately. 

At this time my account is suspended, but PayPal retains the money. 

This is a common practice of PayPal, which benefits him because even within 6 months users can claim their money, but meanwhile, they do not pay interest on the money withheld. 

On the other hand, PayPal, before opening the accounts, should ask for the documents and before accepting the transfers, ask about the origin of the resources and decide whether to accept them or not, so as not to harm the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Zeus Mortgage, Ltd.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This company initiated a Hard Inquiry on my credit report without my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Kashable LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This was a loan advertised to federal employees as being deducted directly from federal payroll. However, Kashable failed to draft the loan from my payroll for 2 months unexplicably but they marked my credit report as it having been paid late. I dont know if they failed to communicate with my XXXX XXXX or what happened, but I paid it off almost immediately when I realized there was a disconnect between my payroll deduction and Kashable 's receipt of the payments. I believe these late payments should be removed because this company specifically targets and advertises to XXXX XXXX as the loan repayments coming out of your pay and I relied on this assertion to my detriment when they failed to take out the payments for those two months. There was no problem initially with them taking the payments and I am not sure happened these two months where it was reported late, but I had no reason to think there was an issue in the process. I should not be held responsible with this penalty when I believed that this would be deducted from my pay and they failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ERC
State: TN
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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX XXXX  I was the victim of a scam where I was told I would be receiving a payday loan, which later turned out to be false. It instead was a switch where the company involved wanted me to send back money to them from my account and made false deposits to my account. While I was in the process of calling Wells Fargo about what happened they closed my account entirely. I had planned to do that anyway however they now will no longer do business with me again even though I was the victim in this case. I do understand that I fell for something false but I have banked with them for years and never once had an issue on my account such as this. Further they will allow my spouse to open an account, just not me. I don't believe this is a justified action on their behalf nor do I believe a thorough investigation into what occured was done by any means.

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 2022-02-25
Company: PNC Bank N.A.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a XXXX  from XXXX XXXX in XXXX to help finance some of the operating costs of a charitable foundation I helped create. Paying off the loan was no problem as the monthly payment was taken directly from the charitable organizations checking account, also with XXXX. sometime around XXXX or XXXX PNC Bank bought XXXX and I thought everything was fine. But in XXXX of XXXX I got a call form PNC telling me that the XXXX was delinquent. So over the phone I authorized the person to make a payment. End of story, so I thought, but the next month I get a call from PNC telling me that the XXXX was in default because it was over XXXX  days past due. Turns out that in the transition between XXXX and PNC my checking account numbers changed and the direct draft payment wasn't paying for the XXXX because of the change of account numbers. Anyway, since XXXX I have had to pay for the monthly balance on my own because PNC won't allow a XXXX in receivership to have automated payments. I have been charged about {$2000.00} in late fees because of this ... .and it was all due to a mistake PNC made, not me. I have to deal with this for over XXXX years and have spent countless hours of my time trying to get PNC to correct this. Please help me, the account is up to date but I'm still getting late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX is still reporting negative remarks on my credit report. I have contacted XXXX, I have contacted Experian. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 I received a call from my Point of Contact through LoanCare. XXXX XXXX stated that LoanCare has sent over the requested documentation to the state of California for mortgage relief. After speaking to California Mortgage Relief they havent received any information from LoanCare. I was told by XXXX XXXX that I need to make a decision today that its either the state or their forbearance offer. I have a letter stating that I have until XX/XX/2022. I have forwarded this case to the Public Inquiry Unit of the Attorney General of the State of California. PIU file # XXXX. LoanCare continues to break laws and guidelines continuously and now I am asking for the investor to be removed from the State of California.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-04
Company: EQUIFAX, 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:
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 Account number:XXXX  Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-11-19
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 i caused to be sent to Amsher Collection Services , Inc debt verification letter with very specfic and detailed information to be sent to me. On or around the week of XX/XX/2022 i received a response form the Debt collector with only invoices of the alleged debt that i do not owe. After reviewing my affairs i have found out that i have never done business with Amsher or their client XXXX Additionally, i may have been a victim of identy theft. Please invesitgate this matter further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Ive been receiving notifications on my XXXX consumer app stating that my identity has been compromised and is exposed on the dark web. I decided to get my consumer reports from XXXX, XXXX, and XXXX. I noticed inquiries from companies I dont have open accounts with nor did I apply for them. I have circled all the inquiries that I had know acknowledgement of on the attachments with this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Main Street Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with Lancaster Financial Services in XXXX South Carolina. I paid on time every month and paid the loan off XX/XX/2023. My credit report is showing my payment status has not been updated since XX/XX/2023, and is still showing I owe a balance of XXXX. I have called the company several times and ask them to please fix the problem and nothing has been done, now my credit report is showing account needs attention. Please help to get Thai issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
I am writing this complaint because I have reached out to JPMCB AUTO via certified mail XX/XX/XXXX about two late payments they are reporting inaccurately XX/XX/XXXX and XX/XX/XXXX, but I have not received a response on their end and its XX/XX/XXXX that is well over 30 days. In accordance with the FAIR CREDIT REPORTING ACT, JPMCB has violated my consumer rights. 

According to Federal law code 15 U.S Code 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This includes reporting such information to credit bureaus or other entities.

According to 15 U.S Code 1681 Section 604 2 states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
THIS IS ABOUT CANCELLATION OF A LOAN WITHIN THE STATED DEADLINE : I was approved for a loan of {$43000.00}, from Solar Mosaic LLC, License XXXX, to finance solar installation. The solar company representative said he was with XXXX XXXX, who had good reviews. Later I discovered XXXX XXXX was owned by XXXX XXXX, who as terrible reviews, from solar panels not working to electric bills being twice as high after solar installation, as well as bad customer service. I submitted the cancellation to Solar Mosaic LLC within the deadline of XX/XX/XXXX but I am having difficulty getting Solar Mosaic LLC and XXXX XXXX to cancel my installation and loan agreement. Though Solar Mosaic LLC received my cancellation request on XX/XX/XXXX, they said on XXXX that they had already funded the money to XXXX XXXX  XXXX XXXX said the completed a cancellation request and gave me a ticket number but refused to give me a copy of the cancellation. 

XXXX XXXX advertises that there is a state incentive for zero down, but this is not true. They assist in getting a loan if you have good credit. There XXXX ad even has Texas XXXX XXXX 's picture on their ad. 

XXXX XXXX operate using various names to avoid customers realizing that their products do not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2023-07-20
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up a current bank account XXXX XXXX  and I received my tax return of XXXX I pulled a few dollars off to spend current put my account under review and requested documents which consisted of selfie of me holding drivers license utility bill my tax return and the place my tax return came from I submitted with no problem and they close my account with my money in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX after speaking with numerous customer service representatives, I sent the following letter to Discover : " To whom it may concern, I am writing with regards to a discrepancy on my bill. In XX/XX/XXXX, I did a balance transfer and since then I have spent hours ( and I do mean hours ), trying to reconcile the numbers. According to my calculations, I owe ( round numbers ) {$1300.00}, according to my statement closing date XX/XX/XXXX, the remainder due on the balance transfer is {$1500.00}. Every month I've made a payment in excess of the current charges, assuming whatever was left over would be applied to the transfer. And even though the current charges were paid in full, I was still being charged interest. I've stopped using the card and it remains to be seen if I ever use it again. Meantime, I am requesting a month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' Their first response was sending a form letter on how they calculate and assess interest charges. 

I wrote a second time- they responding by sending a copy of the XXXX XXXX. 

I then called the XXXX XXXX of Customer Advocacy and again requested, " month-by-month breakdown DO NOT SEND a convoluted, undecipherable computer printout. I want to see line by line how my payments were applied by bill date, ie current charges were... payment was this much... this was left over and applied to the loan, etc. '' I received another copy of the XXXX XXXX and copies of the last six months of billing statements. 

I called again today and was told what they sent was the response to my inquiry. No it is not. If Discover can't explain in real numbers how my payments were applied, how am I supposed to figure it out?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

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

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

Company response to consumer: Closed with explanation