BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

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 2023-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Opened a new Care Credit account and am still waiting physical card, but did not remember account number that was provided to me on signup because it was not sent to me. I went on care credit website using account lookup and provided my social security number, only to realize it was not care credit 's official website, but a similar looking website that I realized seems to be a scamming website to get information. 
https : //www.carecreditprovidercenter.com/BC_CC_Demo/cc-htmls/Before-Login-ProcessAnl.html I did several lookups with different methods, as it was showing a random person 's details, and then realized it was a set-up. I am disappointed I fell for this, and will reach out to Care Credit as well.

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 2023-02-06
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company is GoodLeap, formally Loan Pal. This has been ongoing since XXXX XXXX XXXX and I did see that several people have complained about this company under both names. I contacted the company and initially filled a complaint with the XXXX. I have attached to files. The first is interest accruals that I got from XXXX as a part of my initial complaint. However, I never got an answer to why did my daily interest go up when my principal balance go down ( excluding the one time that I stopped my auto pay, which increased my interest rate ). The second contains several monthly statements. My interest and principle are going down then in XX/XX/XXXX I get charged {$70.00} in interest, which is what I was charged in XX/XX/XXXX when my principal balance was $ XXXX and XX/XX/XXXX it is $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had issued a check to my Citizens Bank account which ended up bouncing due to issues with my employers bank account. Fast forward a week, i put another check in my account and instead of putting the check in my account they froze it. Turned my card off and locked me out of my money. Without a phone call, email or any other type of communication. The check cleared and was in my account but not available. It had also been removed from my employers account. They have since told me they can not release my check until a week from now for whatever reason. I also am unable to check my account to see the balance. Cant use my card to buy anything. They have also decided that on the XXXX they are going to close my account of 10 years for reasons I am unsure of. I took what I had in my account out but am waiting for them to take my check off hold and take it out too. Never experienced such bad banking in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
got heloc loan on XXXX / XXXX / XXXX  ', from UNITED WHOLESALE MORTGAGE, payments interest only for 1st year, {$430.00} monthly .applied for auto w/d on XXXX XXXX / XXXX  ', got ok on XXXX XXXX / XXXX  '. 1st payment due on XX/XX/XXXX  '. then on XX/XX/XXXX  ' got notice that UWM sold loan to XXXX XXXX XXXX ON XXXX XXXX, XXXX  '. i called XXXX to set up for auto payment as i did with UWM, was told they have not got loan from UWM yet but when they do, i would get WELCOME PACKAGE from XXXX with new loan # & i could then put in for auto w/d. well on XXXX / XXXX / XXXX  ' get letter from XXXX that they got loan from UWM & loan is in DEFAULT!! they said XXXX & XXXX payments were not made. i called & tried to explain that i had auto w/d with UWM  & have email evidence that it was ok 'd & even email saying they were withdrawing for XXXX!!!! they did'nt care to listen to me & charged me {$2700.00} + {$430.00} to get loan up to date!! my payments were {$430.00} a month so if late should at most been {$870.00} + late fees but {$2700.00}?? i asked for breakdown for these fees, nothing!! i asked UWM why payments not made as had auto w/d, nothing!! this is damaging to my credit which i have as my priority!!!! well UWM sent response to my last complaint with you on them with copies of notices they said they sent but AGAIN, I NEVER RECIEVED ANY NOTICES INN MAIL OR EMAILS!!!!! i asked why didn't you call, NOTHING!!!!! so that's my complaint is UWM failed to w/d funds, sent loan over as in DEFAULT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously filed this complaint under XXXX. The company responded to the complaint saying they've helped me, but that was a lie. CFPB then closed the complaint and told me to open a new one. 

I contacted this company in XXXX to remove my XXXXXXXX XXXX XXXXXXXX, and they have been ignoring me ever since. They have been collecting XXXX XXXXXXXX for the XXXX  since XX/XX/2022. 

After I filed the first complaint, the company finally emailed me, telling me to send them an additional {$570.00} to waive the XXXX charge, which I paid. I am still waiting for them to respond. 

This company 's XXXX office does not have a phone number, and they only send letters via XXXX. The letters arrive XXXX weeks late, and they say I have XXXX days from the date of the letter to remedy. This is an impossible process and designed to continue taking money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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:
The company is a scam. You put XXXX down and it doesnt reflect monthly pay or nothing. Car didnt work the first week. Didnt start up nothing. If you check there reviews, every customer is unhappy. This is fraud, and need to be further investigated. I need this off 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 explanation
Consumer complaint received 2023-01-15
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I checked my credit report and noticed a collection from Waterfall Revenue Group on my report for an alleged debt for XXXX. I was never notified about this alleged debt before being reported to my consumer report. This company inserted information on my consumer report without any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I recieved a reliacard from US Bank and I did not apply for unemployment benefits and I dont know why and dont need I'm retired.

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 2021-10-08
Company: Driveway Finance Corporation
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX & XX/XX/XXXX, I sent certified mail to TransUnion, along with 3 forms of id. XXXX XXXX XXXXXXXX, XXXX ) This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 6 ) ( A ).

Under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed ( ) and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. 



Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me written notice of the results of your reinvestigation within 5 business days of the completion of your reinvestigation. 



To date, I have received no notice of results of your reinvestigation. Since the statuory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( a ) ( 1 ) to immediately delete the disputed information from my credit file.

Thus, my complaint will be satisfied by timely deletion of the disputed information.

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. I would prefer to forgo such a complaint provided that I receive an immediate notice of the results of your reinvestigation or deletion of the disputed information from my credit file.

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( 6 ) ( B ) ( III ) and FCRA 611 ( a ) ( 7 ), that your notification of results of your reinvestigation also include a description of the procedures you used to determine the results of your reinvestigation.

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 2023-07-27
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Associated Bank is reporting false late payments on a previous mortgage I had with the lm while I was married. I have always paid my portion of the mortgage on time never late. 
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and payment status from XXXX immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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

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 2023-01-21
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX a renter at XXXX XXXX XXXX XXXX, CA. XXXX XXXX hasn't lived at XXXX since 3 years ago and she said that she is moving to Oklahoma sometime.So please don't send any more of her bills over here to my step son 's apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) as stipulated under 15 U.S.C. 1681n, I hereby request that TRANSUNION compensate me in the amount of {$3000.00} for each unauthorized inquiry and violation present on my credit profile, not a non-monetary relief. Furthermore, I demand that TRANSUNION formally recognize and admit to the breach of the FCRA, specifically under the provisions of 15 U.S.C. 1681a ( 2 ) ( K ). I expect written confirmation of this acknowledgment, accompanied by a comprehensive notice detailing the nature and extent of the violation.

In addition, I would like to draw attention to 15 U.S.C. 16802, which further underscores the importance of transparent communication between credit reporting agencies and consumers. To ensure clarity and a mutual understanding of the resolution terms, I urge TRANSUNION to establish mechanisms that promote open and transparent communication between us.

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 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX ENDING IN # XXXX CLOSED CHARGED OFF BALANCE TRYING TO SETTLE ACCOUNT AND HAVE UPDATED PAID TO CREDIT BUREAYS AS PAID XX/XX/2020 OFFERED SETTLEMENT OFFER AT 45 % XXXX ACCEPTED OFFER BUT WAS UNABLE TO KEEP AGREMENT DUE TO MEDICAL EMERGENCY I.AM REQUESTING ORIGINAL AGREEMENT BE REINSTATED I AM WILLING TO SETTLE THE ACCOUNT IN 15 BUSINESS DAYS WITH AN ACCEPTABLE OFFER TO ME

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 2023-08-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Offer from Am express for Hilton Surpass card - Extend your Hilton Diamond Status through XX/XX/XXXX offer Code XXXX Card XXXX  XXXX received XX/XX/XXXX Offer not honored inspite of meeting the spending requirements and multiple calls to Am Express and Hilton Honors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been Unable to file a dispute online with Transunion for a couple of weeks. I have tried with XXXX and often get an error message. When I am directed to Transunion site, I am unable to click the category which prevents me from submitting a online dispute directly on their site. I am often prompted to call or mail. My immediate concern is if I dispute with another credit agency on-line such as XXXX  and/or XXXX, it gives the Creditor with whom I have previously disputed online time to eradicate the information within my credit profile. In addition, since we have been in the pandemic, it takes mail takes longer to receive. Having said that, my credit has and will tank for weeks if not months waiting for a response from Transunion. Consumers should have immediate access to file online disputes with Transunion. This is causing severe hardship for me when seeking employment. Consumers can't afford the luxury of waiting when the Major bureaus get to our disputes and respond. Telephone disputes does not work towards the consumers advantage because I have no record of what was said and can not supply appropriate evidence which puts me in a further disadvantage.

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 2021-03-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had several loans with the Department of EdXXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: World Acceptance Corporation
State: GA
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:
Im accordance with the fair credit reporting act XXXX account XXXX and 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 2021-03-23
Company: AMERICAN EXPRESS COMPANY
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:
I sent a dispute to XXXX, XXXX, XXXX, which they stated was verified. 

I sent validation letter to original creditor American express. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.

Company response to consumer: Closed with non-monetary relief