BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have been using PayPal for a few years to receive refunds for small purchases I make for my family members. In addition I used payPal for small online purchases, generally less than {$200.00}. I have a valid credit card linked to the account. I also have a positive balance of {$2900.00}. in the PayPal account. 
On or around XX/XX/XXXX  I went to PayPal to pay for a purchase from XXXX XXXX XXXX  for the amount of {$1.00}, when I discovered that my funds were not available and PayPal had a banned on the account that I could no longer use their services, which is fine, and that they would hold my funds for 180 days, which is not fine unless they provide a valid reason for the hold. 
They claim that I am a high risk client, but do not provide a reason for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well, I have a loan with Money Lion and the payments are {$84.00} a month. I initiated a payment for {$84.00} on XX/XX/2023. The payment was due on XX/XX/2023. Money Lion accepted the payment on XX/XX/2023, but also took another payment for {$84.00} again on the same day, which caused my XXXX  XXXX XXXX XXXX checking about to have a negative balance and cost me a {$30.00} fee. I contact Money Lion about the issue several times and they hung up the phone in my face and ignored my emails. I had XXXX  XXXX XXXX XXXX reverse the transaction and then Money Lion said I missed a payment and they would mark it as late for XXXX, and shows I next payment was not due until XX/XX/2023. They flat out refused to update their system. 

Then I sent a check to Money Lion on XX/XX/2023. My bank shows that Money Lion cashed the check on XXXX XX/XX/2023, but my checking account at Money Lion does not show a deposit for that amount. When I called Money Lion, I spoke with two people and they claimed that they never received the check, but it was in fact cashed by them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2019-03-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited XXXX cashier checks on XXXX. {$160.00} was made available to me after the cashier check covered an insufficient account. I then was told that the bank had made a small amount of money available. I went back to the bank a few minutes later and took out the money. The next day they reversed everything and I now have over XXXX XXXX dollars below, insufficient funds. They have told me that further review may result in not having deposit availability, and reversed one fee. The banking institution is Chase Bank. I Now will get a few insufficient fund few do to this hold. This is not ethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
Inquiries on my Experian Credit report that are fraudulent. 
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 XXXXXXXX XX/XX/XXXX I've sent a dispute letter, ftc report and police report to the Experian. I explained to them that I contacted the dealership of XXXX XXXX XXXX and confirmed they didn't run my credit report with these locations. My credit was ran by a different dealership for something completely different. It is fraud and I reported this information and contacted the creditors. Experian continued to stall the process advising me to resend my dispute attached with police report and/or ftc report XXXX I sent experian all of the requested information and they continue to stall in the process of removing these fraudulent items on 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 2019-03-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Pulled a Hard Inquiry on my account which caused my credit score to drop and now I am unable to apply for an apartment and relocate for my new job.

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 2019-07-29
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/XXXX my husband and I went to XXXX XXXX  to get our 2004 tax bill reviewed and our tax specialist gave us a letter to send to the IRS it was nothing more complicated he said he was billing us XXXX  dollars for the consultation however we noticed the next day he had charged our debit card for {$170.00} which is XXXX  dollars more than we agreed to, I called him to get some explanation of these charges and he had to call me back then texted me to apologize an said he couldn't reverse the charges and I would have to have my bank reverse the charges then he could bill me the correct amount so I went to the bank who gave me a temporary refund of the XXXX but after their review of the info im guessing he didn't admit to what he did because the bank now says they cant refund me for his services they're letting him charge me the XXXX dollars that will be again billed to me on XX/XX/XXXX this is insanity also im not entirely sure but we may have also paid him again the XXXX  after we were refunded so he may be getting away with almost XXXX for what should only ever been XXXX  his name is XXXX XXXX at XXXX my bank id us bank at XXXX is diret line to XXXX at card sevices who denied my claim I need help and soon they cant charge me so much more than was agreed to how can they do this no he didn't give us a receipt either didn't think we needed one XXXX XXXX  never tried to rob us before so we left there feeling pretty safe I guess you never know it can be anyone we were at XXXX  on XXXX XXXX in XXXX this guy also works at the XXXX XXXX in XXXX Utah please help me I don't want his services free I was happy to pay the XXXX  I do not want to pay any more than I owed him

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 2023-05-10
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX and I am writing you in hopes to correct a misunderstanding and remove a negative mark on my credit score. I have spent the past 3 years working on my credit to get it over a XXXX  score. It has currently dropped to XXXX because of Total Visa reporting a 30 and 60-day notice. On XX/XX/XXXX, I spoke to an agent to close my card due to fraud and to close my account. At that time I thought my account was closed and I no longer received any monthly statements nor did I have a Total Visa credit card. You can verify that the card was never activated or used. I was reimbursed {$240.00} which was issued on XX/XX/XXXX and deposited on XX/XX/XXXX. To my knowledge, I no longer had an account. 

Despite not having a credit card due to Total Visa not sending me one, Total Visa  continued to take {$6.00} out every month from XXXX to XXXX and I was unaware of these charges. I become aware of these charges on XX/XX/XXXX when a representative contacted me about missing 2 payments which surprised me because again, I thought I closed this account. On that same call, I was able to speak with a supervisor who said they would reduce the bill to {$6.00} but I didnt feel that I needed to pay for something that I didnt have. When I declined to pay that amount, The supervisor proceeded to tell me I didnt pay that day and that it would go up to {$12.00}. At that time I question why that would be for something that I had no knowledge of. We proceeded to cancel the card for what I thought was the second time and the supervisor had an antagonistic tone which was not very helpful. And she then closed out the phone call with the message that since I closed my account and didnt pay the {$12.00} that I would then be billed {$18.00}. I felt at this time that I now was being hustled and personally threatened, as she told me it would go to collections. 

In XXXX I received a bill that said I now owed {$38.00} and I questioned whether or not I was being scammed and hustled. As I was going for a home loan I was denied which was a complete shock. When I checked my credit score, this mark crushed my credit score by XXXX  points I have been devastated ever since. Needless to say, I did not get the home that I wanted and at this point, I am admittedly requesting the removal of this mark off my credit. I have already paid the balance and I have been paying {$6.00} unknowingly for months prior. 

I appreciate any assistance you can give in getting my credit score back to where it should be. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: United Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone keeps calling me and leaving voice mail messages IN XXXX. I DO NOT SPEAK XXXX. I SPEAK ENGLISH ONLY. However, the messages included the words, UNITED COLLECTION BUREAU , INC My current credit score is XXXX points. I HAVE NO DELINQUENT ACCOUNTS, nor have I EVER had a delinquent account. I'm a RESPONSIBLE PERSON. I PAY MY BILLS ON TIME!!!

UNITED COLLECTION BEREAU IS CONTACTING ME WITH THE INTENTION OF FORCING ME TO PAY A DEBT THAT IS NOT MINE, AND THAT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card with XXXX  XXXX XXXX online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont XXXX  XXXX XXXX to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my Experian report the following there was a hard inquiry by 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 explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting a Bankruptcy on my report and keeps verifying that XXXX is reporting it to them. I have a letter from XXXX that states they deleted the Bankruptcy report from my Consumer report and they are not reporting it to TransUnion. I also have a letter from the Bankruptcy Court who also says they are not reporting a Bankruptcy to TransUnion. On TransUnion website they claim all Bankruptcy before XX/XX/2018 are verified through XXXX and as I said before XXXX has no Bankruptcy reporting on 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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter 12/20/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.

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 2021-08-20
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our home in XXXX of XXXX. The loan servicer for both the primary loan and the HELOC was Flagstar Bank. On XX/XX/XXXX, I received a letter from Flagstar that our mortgage was being sold to XXXX XXXX ( XXXX XXXX ), effective XXXX XXXX XXXX The letter further stated that all ACH/auto-debit payments would be canceled after XX/XX/XXXX. Per the terms of the goodbye letter, I set up payment arrangements with XXXXXXXX XXXX  and made my XXXX mortgage payment. I later discovered that Flagstar debited my bank account on XX/XX/XXXX for this mortgage they no longer owned ( a fact not discovered until after I set up my XXXX XXXX payments and nearly caused my account to overdraw ). Several people I spoke to at the bank, including XXXX XXXX in the Office of the President admitted that they made a back office mistake. However, instead of refunding the money back to my bank account they instead, without my permission, wired the money they illegally took to XXXX XXXX, causing me to double pay my XXXX mortgage payment. When confronted with this, they told me that I had to be the one to try and get a refund from XXXX. I pointed out to them that I did not authorize this payment or sending it onward and that furthermore, it was not my responsibility to fix an error that they themselves admit to having made. I was basically told " Too bad. The money is gone '' and that they would not assist me further.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I disputed several items on my Transunion credit report on XX/XX/2023 via certified mail. The dispute was received on XX/XX/2023. In addition, I disputed several inquiries as well on XX/XX/2023 via certified mail as well. That dispute was received on XXXX. I still have not received a response as of today. I sent a follow up dispute letter on XX/XX/2023. Its been 30 days since they received my dispute and still haven't received a response. 

Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61i ( a ) ( 1 ) ( A ), aad I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 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