BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: IN
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 hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed in error, as I have not knowingly violated any PayPal policies or engaged in any prohibited activities. 

I have been a loyal PayPal user and have always conducted my transactions in accordance with PayPal 's terms and conditions. I have used my account for personal and legitimate business purposes, and I have never been involved in any fraudulent or unauthorized activities. 

The sudden limitation of my account has caused significant inconvenience and disruption to both my personal and business affairs. I rely on PayPal for various financial transactions, and this restriction has hampered my ability to carry out essential financial operations. 

I kindly request that PayPal conducts a thorough review of my account and the circumstances surrounding the limitation. I believe that a mistake may have been made, and I am eager to cooperate fully to resolve any concerns that led to this action. 

If it is found that there was an error or misunderstanding, I kindly ask for the reinstatement of my PayPal account and the removal of any restrictions. I am committed to continuing to use PayPal in a responsible and compliant manner. 

I understand that PayPal takes the security and integrity of its platform seriously, and I fully support these efforts. I am confident that a reevaluation of my account will confirm my compliance with PayPal policies. 

Please let me know if there is any additional information or documentation needed from my end to facilitate this review. I appreciate your prompt attention to this matter and look forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This card has been paid off and I thought since I don't use it anymore, that it would be closed or at least remain a XXXX balance. I don't even have the credit card anymore! I keep getting delinquent notices and statements showing balances and late fees. I've tried calling the phone numbers listed on all correspondence to talk with someone and each time after I enter the credit card number from my statement, the message comes on " we are experiencing technical difficulties '' ( or something to that affect with those similar words ), and the call hangs up on me. I've tried calling another number, and the call just drops. I just found a way to email them today and have done so, only to find out the the email form, though it stated it was their company, it was actually some website called " XXXX XXXX ''. 

Anyhow, this has been going on since XX/XX/2022 and I can not get this resolved with them directly. I'm beginning to think this is just a scam in order for me to call in to " pay your bill by phone '', to give them another payment method so they have my other account information. I won't do it! 

I need this resolved and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Netspend Corporation
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
When I realized I was unable to use my card I called NetSpend customer service line ( twice ). I spoke with a woman by the name of XXXX. She asked me some security questions about my account. For example how much was my last three uploads and the year I received the card ending in XXXX. I answered these questions to the best of my ability. Most of my answers were accurate. I feel that with the information I was able to give should have been enough information for her to realize I am who I say I am. I have 3 other prepaid card so yes, I may not remember what year I received the card ending in XXXX ( one of the security questions ). I was able to give reload locations and amounts of at least the last 2 or 3 places. I also was able to name whom I paid money to when using my card. I really need my money and I don't even have an idea why my card is locked in the first place!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Upgrade, Inc.
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan two years ago, I had never made a late payment that would require reporting nor did I skip a payment. At the beginning of this year I received an email from this company offering a hardship for three months, the terms were I would have to continue making my regular payment after the hardship ended and that whatI did, however it was never explained I would have a ballot payment at the end of the loan that would have to be pay all at once or they would report me to the credit. No was explained this steps for me, I was never late I was placed in a hardship via email and no one wants to take responsibility of the situation, they should have told me that I needed to make an extra large payment at the end of my loan and that the mature of the lion would not change. No one is willing to help the are rude, saying they are not changing the rules for me, saying they will not remove the negative reporting. I request this to be remove from my credit, they are not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX phone number XXXX. XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 15 U.S.C 1681 section 602A states i have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I ordered shoes from this instagram seller for {$110.00} on XX/XX/XXXX and when i asked for a refund because i realized it was a scam i got left on read.I already tried calling chase and they said all they can do is make a complaint and that if they get the money back theyll give it to me but she told me it wasnt likely so i read about regulation 5 and was wandering if i could get my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NY
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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 an 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 explanation
Consumer complaint received 2018-12-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an upcoming foreclosure trial not set yet. Nationstar ( a/k/a Mr. Cooper ) is the  servicer of my mortgage loan. XXXX XXXX is the owner of my mortgage. My prior servicer was XXXX XXXX. XXXX transferred the servicing of my loan to Nationstar around the summer of 2009. Before the transfer, XXXX approved a loan modification and I completed the 3 trial mortgage payments. I found out about HAMP ( Home Affordable Mortgage Program ) and I applied with XXXX to try and get an even lower rate. While XXXX was working on my second modification and 2 months after I applied, XXXX transferred the servicing of my loan to Nationstar Mortgage Co. I called Nationstar, and I was told they see the HAMP application in process and that I should hear back regarding an answer on the results. About 2 to 3 months later, I called Nationstar again and I was told they knew nothing about a modification and they refused to provide an opportunity to apply as I was legally entitled to. A few months after that they sued me for non-payment of my mortgage. They lost that suit. Today I am about to lose my home on another suit by Nationstar and I've applied twice for a modification and they again refuse. I believe Nationstar broke federal law back then when they refused to follow-up with my HAMP application that was still in process mid-transfer of servicing. They ignored the law and I was denied my rights to a HAMP application and modification. I've enclosed some court documents that support my allegations here from past cases that demonstrate these happenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CL Holdings LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Jefferson capital systems refuses to send XXXX XXXX any recept or information containing to a debt in the amount of XXXX said to be owed by XXXX XXXX. 
Numerous attempts have been made to correct this mistake without any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2021-06-17
Company: EQUIFAX, INC.
State: FL
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, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1 ) I did NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) 2 ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. 2023. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments 3 ) TransUnion currently shows 2 active mortgages ( all with same info only different mortgage companies ) on my credit file. which is incorrect 4 ) Also TransUnion received original complaint XX/XX/2023, but did not give a response in the lawful 30day timeframe in which anything not verified within the 30days is to be deleted.

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 2019-09-13
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

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 2021-06-17
Company: GOLDMAN SACHS BANK USA
State: CA
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 applied for and received an Apple Card that is managed by Goldman 's with software written and updated by Apple Corp.

I've been making regular payments and upgraded my phone. I went to make a payment this weekend and found that all tools have been disabled and my account locked for security purposes. I have verified my identity within the XXXX wallet and reached out to their customer service through messenger to ask what happened. 

I'm told that they can lock my card at anytime without warning and there is no timeframe for them to contact me. I don't know why they would need to contact me or what they are reviewing. I can only assume I tripped an algorithm and am now in a system with no human at the helm. I am female and this is reminiscent of the issues a year ago where it was found that Goldman 's algorithm treats women differently than men. 

I can still use make charges to the card but have been locked out of all digital tools. Nobody can tell me what I can and can not do. It's a walled experience and frustrating at that. I never received a notification in XXXX, a warning, an email. I only discovered it's status when I went to pay it off. 

I'm applying for my first mortgage soon and did not expect this experience from Apple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are impacting my ability to gain credit. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}.

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 explanation