BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe this limitation has occurred due to a mistake and wish to appeal this decision. 

I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. I have consistently used my PayPal account responsibly for legitimate transactions. 

Given the above, I kindly request that you re-investigate my case thoroughly. I genuinely hope that, upon review, you will find that my account was indeed limited in error. If that is the case, I humbly request the restoration of my PayPal account privileges. 

I value the services and convenience that PayPal provides and would like to continue using your platform for my financial transactions. I believe in the fairness and integrity of PayPal 's processes, and I trust that my case will be reviewed impartially. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution that will allow me to continue using PayPal for my online financial needs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Investigation took more than 30 days

Complaint:
my current mortgage servicer XXXX XXXX XXXX XXXX XXXX reported misinformation on my credit report. they reported on my credit report that i was 90 days late on my mortgage payments, while they fail to accurately specify which month i was late. Ive spoken with them on the phone XXXX, even tried to fix the issue with their dispute department to no avail. 
XXXX XXXX have ruined my credit score, making impossible to me to acquire a mortgage at this time or get credit. any resolution in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: DISCOVER BANK
State: MS
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:
Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: DynaGen Lending, LLC
State: CO
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'm trying to sell my house and buy a new house to move. I've been looking for lenders for mortgage. Once I did hard pull with one lender, I've got to hear from this broker, XXXX XXXX ( aka XXXX XXXX ) from XXXX XXXX. He presented himself as a broker and I've got the estimate loan from him with the company called, XXXX XXXX under name with XXXX XXXX. 

XXXX and I have been communicating for getting lower rate, and since other lender was telling me that they can match the rate with XXXX 's once XXXX can lock the rate. 

I've checked with many lenders about estimates. I made sure they only do soft pull my credit and they always asked me before they proceed it. I denied when I didn't want to. 

XXXX gave me estimate loan as pre approval. And I asked him I only want soft pull for now. and he said it wasn't hard pulled for this pre approval. 

I bought a house once with my husband which I'm in process to sell. But mostly my husband proceed process with the realtor at that time so I would say this the first time I'm buying for myself and first experience buying a house because we are divorcing after this. 

Since I was notified from all other lenders for hard inquiry, I expected XXXX will let me know before he does. I asked XXXX if we can lock the rate since the other lender was asking if we can do. He only said yes!! He didn't inform me AT ALL!! about from now on XXXX needs to hard pull my credit or else. I already spoke with him that I'm not ready for hard pull inquiry until I make my mind. 

XX/XX/23, In the morning I realized my credit was pulled, XXXX credit report. When I spoke with XXXX afternoon, He did not tell me he did hard pull until I asked. He ONLY said, I asked for lock in rate and that means I gave him a permission to hard pull my credit. I said, I did NOT know locking in rate means I'm automatically giving you my permission to do so, and I already told you I'm being careful about being pulled! and XXXX accepted he didn't ask for my permission, and ASSUMED I asked for hard pulled. 

ALL LENDER MUST INFORM ALL OTHER BORROWERS BEFORE THEY PROCEED HARD INQUIRY, and I wasn't asked for my permission and I DID NOT GIVE XXXX PERMISSION and I even found out myself and had to ask if XXXX did!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Paramount GR Holdings, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased solar panels for my home at XXXX XXXX XXXX, XXXX, OH XXXX in XX/XX/XXXX, and financed the purchase with Goodleap, the designated financing company of XXXX XXXX, who sold and installed the solar panels. 

There is nothing in the agreement with Goodleap or in the installation agreement or welcome letter that says I remain liable for the entire contract when a loan is assumed. See the first 3 documents attached. 

The only thing about assumption in these documents is in the loan document, which says this : " This loan is assumable upon the sale of the property to a new owner, if the new home owner qualifies under GoodLeaps underwriting guidelines. '' Yet, in the 4th document, Goodleap says I am still liable as a " co-borrower '' even after the financing of the solar panels is assumed by a subsequent buyer of my home. 

I sold my home on XXXX XXXX in XX/XX/XXXX, and the borrower agreed to assume the financing of the solar panels. For the assumption to occur, I was required to sign an agreement, the 4th attached document. 

For the first time, on being presented with the assumption document, I learned that I remain personally liable after the assumption, and in fact, the assumption document now makes the buyer of my home and me " co-borrowers. '' This was never disclosed in the financing agreement for the purchase of the solar panels. Goodleap keeps withdrawing from my checking account until the assumption takes place. I had no choice but to sign the document. 

I do not want to remain as a " co-borrower '' on the loan for its 25-year life. That this is what assumption means or entails was never disclosed to me by XXXX XXXX or, more importantly, by Goodleap, with whom I thought I would be done being in contract with, once the loan was assumed by my buyer. 

For further information, I have attached the Loan Closing Certificate, evidencing the 25-year obligation. Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: DISCOVER BANK
State: MS
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:
Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX hqsinlated gab fighter oder o USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
no company name no original creditor name. no phone no address provide account XXXX. 
Account type Collection Account Date Opened XX/XX/2020 Balances XXXX paid update XXXX paid off 0 monthly payments XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in accordance with the fair credit reporting act XXXX accounts 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  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 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
A transfer of {$1400.00} was made from my account, I contacted PayPal about the transaction that the money had been sent to a locked account and I requested for a refund but they told me there is nothing they can do about it, they said the money is gone, I sent them several proofs that the recipient account has been permanently locked and they should help with my refund of money but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Blockchain.com, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Another issue with blockchain. They closed my account because it was compromised with my my money still in my trading account wallet. I talked with them via email about it and the asked me to create another account and the instead of actually verifying the new account with my ID on the mobile app, I would need to verify it by replying to that email with a selfie of me holding My ID card and also a paper with the written words that contains my birth date, bitcoin price that very day and my new wallet ID to verify I own the account and after that, they should confirm and r Move the bitcoin from my old locked and compromised account to the new account I created. They asked me to reply if I had further questions about it which I did since XXXX of XXXX and they never responded to me since then. I can't complete the new account and verify it unless they respond to me and the email conversation is live and active. It seems they closed our conversation and I just reopened another ticket for the same issue and they never respond to customers complain. Please I need to get my new account sorted to get the btc in my old account into the new one. I'm a XXXX XXXX XXXX lady with not much patience left. I created a new complaint 3 days ago and here 's the ticked. I need it addressed. Here 's the new blockchain complaint ticket number from them # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX  I was sent a refund for my son through bank mobile, we have been trying to contact customer service support to verify the funds and they have not answered the phone so that my son can get his refund check cashed and verified through them also it's only 3 was to contact them and they have not answered no methods of contact

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 will highly appreciate if you could help me solve this issue. I am sending this CFPB Complaint to inform you that the 3 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Chase personal, business, and savings accounts were hacked on XX/XX/2023. 
The hacker moved {$1300.00} back and forth between those accounts in order to XXXX the payment from my business account. I received an alert on my phone that morning from the bank and called them to report the fraud. 
Chase fraud closed my accounts for 48 hrs and then reopened them with new usernames and passwords. I also received a email about adding or editing the XXXX person and reported that I did not know this person. 
They originally told me they could see I did not make the transactions from my devices and then 2 weeks later said I did with no proof. 
They have still not done anything to credibly my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
American Express just sent me an email that they are decreasing my limit by half. This will negatively impact my credit because it will now look like I'm carrying 60 % of the limit. In reality, I'm carrying less than 30 % of the limit. American Express also checked my credit to make this decision without my consent. They refused provide the original terms with my signature, and they are unwilling to discuss a review of my account until I wait 5 days and call back. In addition, my payments to American Express have all been on time, so there is no reason for the review to happen at all. They will not share documents until I call back, which is after the credit reporting period, and when my credit score will be negatively affected by this unwarranted decrease. 

XXXX I spoke with : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-11-07
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were charged {$520.00} on XXXX XX/XX/23 by a scammer posing as XXXX XXXX customer service, we were told the charge was for the cost of our new tickets, but XXXX XXXX has confirmed there was no such charge on their end. Disputed this with discover and submitted supporting documentation but they sided with the scammer and notified us XX/XX/23. We were unable to contact the scammer as their old phone number is no longer valid, discover claims to have contacted the merchant, not sure how as they disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Credit Card Acquisitions Group
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  - Experian 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

Company 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