BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Earlier yesterday morning I requested XXXX $ from my husband off PayPal. They sent him out of a retaliation from the last complaint XXXX $ and the money is not there. They are making up a lie to freeze and steal XXXX XXXX I filed a dispute. We both have screenshots of them telling us that the other one of us both being spouses can cancel and now they refuse to are refusing to cancel and steal the XXXX $ that was supposed be a request of XXXX XXXX I removed the bank account from that website and they have a copy of the account they once had until they deceived me previously several times. I keep letting it go but they keep closing my accounts and stealing funds. Last issue I had they said it was the wrong phone and when I added the phone number they refused the phone number. I would like to open a lawsuit suit for retaliation, theft, criminal activitys, and making up transaction that dont exist. They dont care that I have the screen shots of the lies they told me. They will steal my XXXX $ and cause a major melt down in the bank account they have access to with out my permission. I want this reported as theft and criminal malicious intent to defraud. We will show evidence in court They just keep doing this on purpose. Last time it was XXXX XXXX Now theyre stealing XXXX XXXX My economic situation is not well. My husband is not well. I can no longer live in a vicarious world of pay pal fraud and deception. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: TRUIST FINANCIAL CORPORATION
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:
In the Fall of XXXX I purchased a vehicle that was financed by Sun Trust Bank. I immediately went online and attached my bank account, placing the note in auto-draft so my car note would never be late. I do all my monthly bills that way -- -set it and forget it -- -just making certain that I have ample funds in the account so I never overdraft. However, at some point earlier this year XXXX XXXX XXXX, Sun Trust bank deleted my banking information without my knowledge and promptly placed two late fees on my credit report, causing great damage to my high credit score. When I made a phone call to the company, they deleted one of the late pays but refused to delete the other one, saying that every 6 months I was supposed to login to my account and keep it active or else they assume it is inactive and delete it. This 'policy ' is NOT true. Had it been true, my banking information would have been deleted in XXXX ( Long before XXXX ) because I've never logged into Sun Trust for ANY reason until recently. I have written them, called them, been placed on hold numerous times, written them again and I've still received no satisfaction or correction. My last letter to them ( XX/XX/XXXX ) was not even responded to. Meanwhile my credit scores have gone down from the high XXXX 's where all three bureaus were until Sun Trust bank deleted my banking information. I need them to delete the erroneous late payment information because as soon as I learned that the account was behind ( through NO fault of my own ) I contacted them and brought it current. In the entire time I have had a car loan with them I have never been late and my bank records can attest to that. Also, I feel that if they've been this careless and callous to do this to me, there are others who have also suffered the same fate. This so-called 'policy ' of theirs needs to change and change immediately! I am ready to contact a private attorney in this matter if necessary because I feel that my rights have been violated. If I give a company access to my bank account so they can withdraw from it every month, but they delete the information -- -how am I at fault??? Why have I been made to suffer?

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 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-02
Company: JPMORGAN CHASE & CO.
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: NC
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 don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX Bankruptcy 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 2023-12-15
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports states ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give Experian my written, nor verbal consent to furnish my consumer report. This is unlawful. This is also against consumer laws I demand that Experian remove these accounts below immediately or I will take legal action Experian has also violated my right to privacy. Experian is in violation.of code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal states ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form I did not give Experian any permission to report this information below to my consumer report nor did I give the companies below permission to report this information. This is illegal and I will take legal action if these accounts does not get removed I demand that Experian shows me proof that they have the right to report this information below XXXX account # XXXX XXXX  Account # XXXX XXXX  XXXX  account # 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 2019-07-12
Company: Law Office of J.A. Cambece
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
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 have sent the first complaint to Macy 's and Bloomingdale 's. I receive a letter from your company thru the CFBP. XXXX XXXX has her name on the bottom of the letter. I have made several attempts to call her during office business hours at the provided number of XXXX ext.XXXX. I have been unable to get in touch and unable to proceed with leaving a voicemail. 

The current date today is XX/XX/2020. I would like a response from XXXX XXXX with the appropriate phone number and fax. 

XXXX XXXX can now respond to the letter that I'm have attached for your viewing.

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 2023-11-20
Company: SERVICEMAC, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In XXXX, XXXX sent mail/emails informing ServiceMac taking over the management of the mortgage as of XX/XX/XXXX. The first mail/emails included the new mortgage services, ServiceMac, the new address, and later on the new account number. The mortgage payment of {$1200.00} was initiated through XXXX on XX/XX/XXXX and an ACH withdrawal was posted on XX/XX/XXXX, performed by ServiceMac. Two weeks later, emails/mails began arriving stating there was a nonpayment of the mortgage. Several calls/emails to Customer Support were made by me throughout XX/XX/XXXX, XXXX, XXXX, XXXX, the last of which for XXXX was on XX/XX/XXXX, the call lasting XXXX XXXX mins. It was during this call, an incident was submitted by the customer service individual. A call was received by a supervisor on XX/XX/XXXX where all information was provided ( again - multiple submissions on the calls throughout XXXX ). A payment of {$1200.00} was submitted directly to the supervisor and posted from my XXXX account via an ACH Withdrawal. She stated a customer advocate would be assigned to help find the missing {$1200.00}. This individual called on XX/XX/XXXX. During which all information again was supplied - including copies of the XXXX XXXX from XX/XX/XXXX. I have attached a copy of the XXXX account ACH Withdrawal which has already been sent to ServiceMac four times!! No response!!

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 2023-03-23
Company: Penn Credit Corporation
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, the amount collected is not correct because the amount I stated in the order was not followed, there was overcharging of the amount. Secondly, the items I ordered didn't arrive but was replaced with another one not specified in my order. I called them and made a complaint about the order and even asked them where to return the items, they told me either to give it away or throw in the trash. They told me to specify what I ordered and submitted the list to their office. I waited for the response but it never came. What I did was to give the items to my friends because i didn't need them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
this is a notice of consumer findings regarding unfair and inaccurate practices. via XXXX XXXX XXXX privacy policy and section 1692e ( 16 ) of the FDCPA. XXXX XXXX XXXX privacy policy implicates and gives false representation as a means in connection with the collection of debt by operating falsely a consumer reporting agency by using nonpublic information and abusive debt collection practices to put my creditworthiness at a competitive disadvantage. it is a violation via 15 USC 1692e ( 16 ) for a debt collector to operate by a consumer reporting agency and give false representation or implications that they are doing so as proof see the privacy policy attached. The consumer reporting agency is in violation of marketing information, unfair and inaccurately backed on the exchange of information that should otherwise be excluded from a consumer report via 15 USC 1681a ( d ) ( 2 ). A consumer report should not include information solely as to transactions, communication of that information, also information that's used as an authorization of an extension of credit by the issuer ( me ) of a credit card.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX, XXXX, Experians and their 3rd parties nonaffiliates are sharing and using my nonpublic personal information without my consent. Causing harm to not only my reputation but invading my federally protected privacy by violating the Fair Credit Reporting Act and Gramm Leach Bliley Act while doing so. SEE ATTACHMENTS

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 2019-07-16
Company: Oklahoma Student Loan Authority
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am an american Citizen living and working abroad and am unable to pay my student loans due to XXXX not acepting payments from foreign accounts. I have contacted the company previously regarding repayment options and they have not given me an options, other than mailing a check to which my bank in the XXXX does not allow. It is possible to transfer money from my XXXX account to my american account but that is financially not feasible for me due to transaction fees. This on top of the interest I am paying on my loans is not possible. Companies should be encouraging students to go abroad and not punishing them for doing so. It is discrimination on the basis of finances that should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was a total loss on XX/XX/2023. My insurance company ( XXXX XXXX ) paid it off via check in the amount of {$15000.00}. Westlake Financial received and cashed the check on XX/XX/2023. The money was never applied to my account. The vehicle loan still shows as outstanding and now I am being called by Westlake Financial by their collection department and being told I am past due and need to make a payment ( payment due date would have been XX/XX/XXXX ). 
I request a payment investigation on XX/XX/XXXX by Westlake Financial to find the missing money. They have not found the funds as of XX/XX/2023. They are still charging interest daily and continue to call and tell me I am past due when in fact the vehicle was paid in full nearly 3weeks ago.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-16
Company: EQUIFAX, INC.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Incomm Holdings Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The number on the card is 12 and any where you try to use it it says the number is not complete. They put a phone number on the card yet you dont get anyone to talk too. I feel like is a scam. Please help me get my money back.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I called in on XX/XX/XXXX to discuss my mortgage and escrow amounts in detail for at least 30-45minutes. 

On XXXX/XXXX/XXXX I receive a copy of my settlement statement from XX/XX/XXXX, this does not answer my questions. 

My escrow shortage seems extremely high They stated that my payment of {$2000.00} began on XX/XX/XXXX. 

I understood that a bulk of this was due to my homeowners insurance increasing. The escrow balance still does not make since for my loan payments to increase another {$500.00} a month. 

Furthermore, I am already struggling and received help from the state with a payment of {$12000.00}. 

My past due balance on XX/XX/XXXX statement states XXXX. Where is the rest of my balance from this payment and where is it being applied. These numbers are off for the escrow shortage as well as my payments due. 

It is not clear what is going on with my account an looks like money is being taken and egregious fees are being added to my mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation