BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used PayPal to purchase digital art from a seller in XX/XX/2022, but nearly XXXX months later the seller has still not sent the art despite the several attempts I've made to contact him. He even assured me that I would receive the art very soon at one point, but of course, that never happened. Unfortunately, too much time has passed since I made the purchase to request a refund directly through PayPal. I have already tried submitting a case there and it was outright denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account number is XXXX My mortgage company is committing frua.d they are charging me addition fees that I wouldn't be charged. They are charging my taxes of the incorrect amount. They paid my property taxes late and charge me the late fee and interest rate. 

Let me be very clear. 
I have contacted this mortgage. My mortgage company on XX/XX/XXXX. To date I have not even received a phone call to discuss this matter. I sent an email to them ( as requested ) advising I had a dispute and that I would be contacted. It's been 2 weeks. No call. No followup. Nothing!!! 

I had to send a complaint here just to get a response 14 days later which doesn't address any of my concerns. 

**What I want is someone who has the authority from my mortgage company to reevaluate this with me. 

**Let 's be clear. The mortgage company response only addresses. Why your charging me for {$3200.00} a month instead of {$2600.00} a month. The answer was due to {$6500.00} in taxes and then insurance of {$1700.00}. However you can not breakdown where this {$6500.00} came from. Because my annual taxes is {$3900.00}!!!! 

This is my request. 
Please call me at the number ending in XXXX to address this. 

Also.. respond here to confirm how the $ XXXX in taxes came about.i want a breakdown. And after you give me a breakdown verify it's accurate. 

Let me break it down for you. 

The end of 2021 my escrow account had an ending balance of {$2900.00}. 
My taxes from XXXX thru XXXX would of been {$2600.00}. Which I had enough escrowEnough to pay. 

The mortgage company paid {$2900.00} ( because XXXX XXXX included late fees and interest because THEY paid them late. But I am being penalized. 

So.. for my taxes of XXXX is broken down to {$3900.00} in taxes ( correct ) {$1700.00} for insurnsce ( correct ) {$2900.00} ( not correct.. since I already had a balance of {$2900.00} in escrow for the 2021 year ) The charges of {$2900.00} is incorrect!!! And I would like someone not to tell me where the $ XXXX in escrow cane from but to review and confirm. That taxes you applied to my account is accurate which it is not. Why would you charge me for {$2900.00} when part is late fees and interest AND the rest I already had in my escrow account. 

INSTEAD I SHOULD BE CHARGED {$3900.00} and XXXX only. Which by XXXX XXXX in escrow monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ChexSystems refuses to remove outdated entries

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 2023-04-14
Company: World Acceptance Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -World Acceptance corpora XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX XXXX I payed XXXX XXXX of XXXX XXXX on XXXX for a rear end for my XXXX ... he never sent the part..he also ask for XXXX more for insurance but I didn't send it..I relized at the time it was a scam..notified bank..they said nothing they could do it was PNC bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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: Old information reappears or never goes away

Complaint:
It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called Experian and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives 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 explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank who owns my Amazon Prime Card account has been reducing my credit limit arbitrarily causing my credit score to go down and recently caused a reporting to my credit report that I was over the limit after they applied the high interest to my account. This is not the first time this has happened to me with the credit card. A purchase with Amazon was declined because Synchrony Bank reduced my credit limit from {$1700.00} to {$1000.00} that was my current balance at the time. I pay my bill on-time and it has been setup on autopay. I have no record of late payments 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 2023-07-10
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 2022-04-15
Company: EQUIFAX, INC.
State: IL
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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

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 2018-06-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had many problems with Navient. Not sure where to start, but the most disturbing thing is what they did to me this weekend. I called because I had never received the paperwork to renew my income based repayment and the lady verified my address which was an address form 10 years ago in a different state, which is impossible because I get mail from them daily at my current address. Then she said that is probably why I never receive them. They also over charged me one year and put me on income based repayment and had me pay {$35.00} a month for like a year and then next year when I was making more money they had me at XXXX. I usually end up with XXXX dollars due, because I make that little and have dependents to take care of. I had explained that I answered an email that said answer yes and they would not charge me extra but it would not go on my credit report. It is on my credit report in 5 separate entries each month which has messed up my credit tremendously. On XX/XX/XXXX, I was told to do another forbearance to bring my loan current and I agreed. on XX/XX/XXXX, my credit alert emailed me saying on XX/XX/XXXX, Navient posted 5 new late payments on my credit report. It looks as though my unpaid principal is now XXXX after all these forbearances ( unfortunately, I have not been able to obtain employment that allows me to live and pay my bills ), and the last bill I received from them last month was for {$4000.00} to be paid immediately. I have asked about the public services loans, which I have been working for non-profits with children since XXXX and have never received any guidance on how to do this. This company plays major games with people and ruins peoples lives and their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-04-15
Company: Credit Bureau Services Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Bureau Services, XXXX XXXX XXXX, XXXX XXXX, MO. XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX sends me repeated bills that simply say " pay this amount '' followed by a dollar amount. No other information is provided ; no descriptions of any kind, no dates or locations of services, nothing at all. 

I have repeatedly requested that they provide me with verification of the debts that they allege that I owe and they refuse. They tell me that they can not provide that information, or any other details, because they claim it would violate the HIPAA law. Clearly, that is nonsense as all of my medical bills from other entities have always contained all pertinent details. 

Credit Bureau Services allege that I owe XXXX XXXX XXXX for 16 accounts and that my most recent bill dated XX/XX/2022 ( {$3100.00} ) is for all of them combined over a period of several years, yet only 3-6 amounts are listed on my credit reports and these total much, much less than what they claim is owed now. They told me to investigate the matter myself if I want details and verification. 

As a result, I have told them that I dispute all debts that they claim that I owe. I have asked that they indicate that I dispute their allegations on my credit reports, which they have also refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX I wrote a check from my account at XXXX XXXX to my account at Bank of America. On XX/XX/XXXX when I went to check I saw that XXXX had processed the check but Bank of America had a hold on the funds until XX/XX/XXXX. I have been an account holder since 1991 with no history of bounced checks. This is a check from me ... .to me ... .there is no reason for the bank to hold this large amount of money from me that was my money in the first place, except to make money on my money in an unethical way. I have spoken to two people who can NOT give me a reason for this hold except to say that when I deposited it I didn't sign the back of the check I had written to myself. Seriously, that is the only reason they could come up with. This is usury by the bank.

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 2023-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out. 

On XX/XX/2023 they sent me another harassing email regarding a debt collection for an account that I closed a long time ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX  ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-05
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IN
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 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 a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: REGIONS FINANCIAL CORPORATION
State: VA
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:
My company was charged at least {$18000.00} in XXXX  months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) due to what was called late fees and interest fees. When I discovered the issue in XX/XX/XXXX I contacted the company to discuss the statements and payments made, they were unwilling or unable to explain why I was being charged. Instead I was told the system attached the fees and there was nothing they can do about it even though my balance was paid in full.

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