BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Paypal Holdings, Inc
State: NY
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 opened a Paypal Business Account on XX/XX/XXXX. I have been a customer of Paypals since XXXX -- almost a decade. I have previously had both a personal account as well as a business account and have never had any prior issues. I decided to open a new business account since I have started a new venture and would like to separate the finances from my other account. 

On XX/XX/XXXX I received an email with the following subject line : We need some information regarding yourPayPalaccount. ( Ref ID XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. On XX/XX/XXXX through XX/XX/XXXX I uploaded and provided them the requested documents ( Passport, SS #, etc ) as well as tracking information from the first three purchases on my website. On XX/XX/XXXX I received an email with the subject line : You can no longer do business withPayPal ( Ref ID - XXXX ). Immediately after, on XX/XX/XXXX at XXXX XXXX  EST I called Paypal Customer Service and had a 58 minute phone call with them. I asked for the reason why my account was permanently limited. The representative told me that they can not tell me the exact reason, but that the decision is final and can not be resolved. I asked them if this was a misunderstanding and if I had potentially uploaded a file wrong or if they needed any additional information. They said no and said that my information was high risk or possibly fraudulent. I asked for specifics so I could simply fix the issue, but they said no and assured me the decision is final. I asked to be transferred to someone higher up in their department. I was transferred to a man named XXXX who is a department lead and he told me all the same things. He told me that an individual from his team had reviewed the information I had submitted and that I was flagged as a potential risk. I got off the phone with no additional answers or explanations and I am at a loss. 

I am very frustrated because I have been a customer of Paypals service for literally a decade. I have never once had an issue. I have never made a fraudulent purchase or sale. I have always provided the information they needed from me at the time it was requested, and I have always had the same bank account. There has literally never been an issue. 

There is {$69.00} stuck in the account and I can not withdraw the funds for 180 days and Im not sure I can after that either. Paypal is keeping me in the dark on this decision and process. I have stopped taking payments through PayPal on my website until this is resolved. Paypal also conveniently took their fees out for themselves before shutting me down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Personal information incorrect

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

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 2021-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please pay attention to the fact that I have item reported in my credit profile. This item is reported only by Equifax that's super strange. I do not know this account and I ask you to check it and manage investigation. Somebody used my personal information or its just error in reporting but anyway I do no like it and I ask you to delete it immediately. Thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Gitsit Solutions, LLC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To : Kondaur Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX XXXX XXXX, NY XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request Correction of the Error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, NY XXXX. 

On XX/XX/XXXX XXXX XXXX  XXXX transferred this loan to XXXX. The loan balance was {$300000.00}. After a legal arbitration between XXXX XXXX, XXXX XXXXXXXX XXXX and me, all settlements were made. It was then order by the court to have the mortgage reinstated. This was not done. Instead, XXXX took some payments up to XX/XX/XXXX then stop. 

On XX/XX/XXXX, the loan was then transfer to XXXX XXXX with a mortgage balance of {$290000.00}. 

On XX/XX/XXXX XXXX XXXX XXXX registered this loan with the credit bureau in the amount of {$350000.00}. This amount is incorrect and the charges added on are fraudulent. 

As per my records, payment was stopped by XXXX on XX/XX/XXXX. Therefore, the amount owed to the loan is {$54000.00}. This is the sum of 26 months of payments which when settled will consist of Principal, Interest and Escrow. 

Payment Errors : Your company rejected all payments made on XX/XX/XXXX. Please explain why this was so. 
Your company padded my mortgage balance with fraudulent charges and is still asking for {$84000.00} to reinstate my mortgage loan. 
Your company keeps adding on a charge call Property Inspection Fees in the amount of {$1000.00} per month. There is not property inspection fee as such. 
Your company asked for $ XXXXXXXXPlease provides me with a detail break down of how this amount came about. 



Escrow Errors : My monthly payment is {$2000.00} which included Principal and Interest, real estate taxes and Insurance. Therefore why are you asking for Escrow advances? 
Your company did not pay the insurance for XXXX, XXXX and XXXXyet it is included in the amount asking to reinstate the loan. I paid this insurance directly to the company. 

I have been notified by N Y XXXX XXXX  XXXX XXXX and the Hazard Insurance Company regarding payments that your company failed to pay the following expenses from my escrow account. 

Fee Errors : Your company incorrectly imposed a Property Inspection Fee on the mortgage since XX/XX/XXXX. Please provide me with a copy of such a monthly inspection report. 

Payoff Errors : Your company failed to provide an accurate mortgage outstanding balance to reinstate the mortgage. Please provide me with a detail break down of my outstanding balance. 

If you need to contact me, I can be reached ( XXXX ) XXXX or my attorney at ( XXXX ) XXXX Sincerly XXXX XXXX cc : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MS
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 reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
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 have 11 unauthorized inquiries on my credit report while trying to buy my home I have spoken with creditors and XXXX still no charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX XXXX & XXXX Acct 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 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX 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 2019-06-27
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
This also fits under the fraud category, but I've already tried to dispute my fraudulent experience with Paypal and they refused to help based on their own policies about money transfers between " friends/family '' vs. business transactions. 

Ultimately, I bought tickets for a very small local show through someone selling on the XXXX discussion page. After texting back and forth, they seemed legitimate and of course after the money transfer was initiated is when it began to appear suspicious. I IMMEDIATELY disputed the transaction with Paypal and considering they said the user wouldn't receive funds until the following Monday ( transaction was on a Thursday ) it seems highly likely they could have cancelled the transaction in time if they cared even slightly about their customers. They closed the case simply because they don't provide purchase protection on that type of transaction. 

Overall, their website needs to do better and take more initiative in preventing this type of fraud. I was told to pay the scam artist through friends/family format and wasn't initially suspicious because Paypal claims this method does not come with additional fees. So yeah, when it's a peer to peer payment it makes sense that they wouldn't want added fees. Well, the first misleading information is that this method does in fact, still come with fees. {$4.00} of additional fees, to be specific. Secondly, they need to do a better job of stating that when sending through family/friends you WILL NOT GET YOUR MONEY BACK. PERIOD. If you care about your customers, spell it out. I did a quick search on their website for customer protection and found a page that made me feel secure with my decision. Well of course, when I go back to the page and read the fine print and details it turns out that my transaction was of course, not covered. 

You're the leading money transferring service in the world. Do better. 

Also, I filed a formal complaint against the user with customer service. All they did was limit his ability to sell, which of course, means he can continue to accept money and scam other Paypal customers. Paypal does the bare minimum to protect its customers and prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would get my direct deposit and they would wait to deposit it causing overdraft fees

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 2021-03-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Loancare on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. 

I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.

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 2019-05-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I took a loan for a used vehicle through XXXX XXXX XXXX in XXXX XXXX CA. The loan was financed through Prestige Financial services. The dealership informed me my first payment would be due XX/XX/XXXX. 

This company has never sent me a bill. I have no record of what my payment options are or where to pay. They started texting me around the XXXX of XXXX, but I immediately informed them to stop, not knowing if the text messages were legitimate or a scam. They are still continuing to text my wife who is a co-signer. 

As of Thursday XX/XX/XXXX I was forced to call them to ask how I was supposed to pay. 

Friday XX/XX/XXXX I called back, because the account number given to me by " XXXX '' came up incorrect on their website. I called again Saturday XXXX. As of XX/XX/XXXX, they still have not returned my calls, but again continue to text my wife, without our consent to text messaging. 

During the phone call on XX/XX/XXXX the gentleman I spoke with blatantly told me they do not send bills ( which makes it impossible for a new lendee to make a payment ). I was told " we do everything by text. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MS
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. 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 TN CHILD SUPPORT XXXX XXXX XXXX XXXX 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 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 report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I noticed that Trans Union is reporting my Experience with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and me. The balance I have with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and me is characterized as utilization on my consumer report Trans Union is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has attempted to remove the balance section. Trans Union keep putting the balance back on my consumer 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 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting inaccurate information and refusing to follow protocol for furnishing information to my consumer report, without consent and improper verification which has resulted in damage and stress to me. please see attached. 

i have also sent in a paper copy of this information to the address on equifax website along with identification ( XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are a few accounts on my report I do not recognize

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 2021-03-09
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I visited BestBuy store in XXXX XXXX and made purchase of two items total value {$68.00}. I used my Credit card to make the payment and the payment went through and was posted on my Credit card too. I didn't use my bestbuy credit card for that purchase. While reviewing the monthly statement of both card ( bestbuy as well as the card which I used to make the payment ), I see that in bestbuy credit card which is control by CITIBANK it should outstanding amount of {$68.00} whereas in my creditcard with which I made the payment, it shows the payment was made. 

Later in the month I started getting continuous call from CITIBANK managing the bestbuy card for the latefee plus the outstanding amount which I need to pay. I kept on telling them that this is the issue of double charge. This again started getting reported to all the 3 credit bureau and impacting badly on my credit score. I called the Bestbuy provided number every month starting deceber 2020, stayed on the call ~50 minutes telling multiple agent what happened but no resolution. One time they asked me to fax the statement copy which shows payment was made. I faxed the statement which reflect tht the payment of {$68.00} was made on the same day in store.

It has been 6 months now and there is no end to this. I stay on call for 50+min without any resolution. They keep on opening the dispute and later closing it without calling me and every month my credit score getting -ve impacted. I visited the store too in person but they say only CITIBANK Card team can help you not them.

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 monetary relief