BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to respectfully appeal the permanent limitation that has been placed on my PayPal account ( XXXX ). I believe there has been a misunderstanding or an error in this matter. 

Firstly, I would like to express my genuine surprise and concern regarding the account limitation. To my knowledge, I have always abided by PayPal 's policies and guidelines. I have not engaged in any activities that could potentially violate the terms of use. Therefore, I am led to believe that this limitation might have been placed due to an inadvertent mistake. 

I kindly request that you review my account activity thoroughly. I am confident that upon re-evaluation, you will find no breach of PayPal 's policies from my end. It is of utmost importance to me that my account be reinstated, allowing me to resume my transactions without disruption. 

I understand that PayPal has stringent security measures in place, and I truly appreciate those efforts to ensure a safe online environment for all users. However, in this particular instance, I am convinced that an error has occurred. I kindly ask that you conduct a comprehensive review of my account and its recent activities to rectify this matter. 

I rely on my PayPal account for various essential transactions, both personal and professional, and the current limitation has caused me significant inconvenience. I earnestly appeal to your sense of fairness and justice to re-investigate this case and, if deemed appropriate, lift the limitation on my account. 

I genuinely value the services that PayPal provides, and I hope to continue using them with the same level of trust and satisfaction that I have experienced so far. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and consideration. I look forward to a positive resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the year of 2013, I called Sallie Mae customer service to ask for options about repayment. I do not make enough money to complete the $ XXXX monthly payment option, and at that time I was unemployed. I called Sallie Mae customer service about deferment, and they refused, stating that " due to the nature of the loan, your payments are due regardless of whether you have the ability to pay them or not, and will keep accruing interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a Method of Verification letter.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,

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 2022-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
USAA has egregiously mishandled a credit card dispute I have opened. During this process, I have filed multiple complaints with the CFPB regarding promises made by USAA and their continued inability to properly handle my credit card dispute. During this process, I believe USAA has retaliated against me and has sent me a letter threatening to close my accounts with them. 

I believe USAA is intentionally upsetting me by placing upsetting phone calls, and then threatening to close my accounts based on my responses to their upsetting outreach attempts. Today, I was called by an associate from USAA who lied to me, mocked me, and generally upset me by using phrases such as " you don't just get what you want '' and " that is not how the system works. '' This associate intentionally upset me by redirecting the conversation to points I requested not to talk about anymore. 

This phone call was not expected nor requested. The intent of the associate was not productive with no legitimate intent other than to upset me, I believe in an attempt to engineer a hostile situation where they may forcibly close my accounts. I believe this is legitimate retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting on my credit out of nowhere. This debt was paid already and now it just showed up 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 2019-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I transferred {$100.00} using Chase quick pay to buy some baseball tickets from a stranger I met online. Did not receive baseball tickets, contacted Chase within minutes of the payment but they refused to cancel/refund the transaction and told me to contact XXXX. Chase said they don't know who I sent the moeny to as they are not Chase customer, which make sno sense because the service was called " chase quickpay '' and is supposed ot be used for sending money between Chase customers. I have been unable to get a rep from XXXX on the phone. Heard about this consumer protection website today so thought I would open a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: Goal Structured Solutions, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Marketing or disclosure issues

Complaint:
Well I was enrolled in a bootcamp called XXXX back in XX/XX/XXXX for Data Analytics where if you complete the whole program you well land a high paying job within the tech field and you well pay the whole $ XXXX or more in tuition. I decided to research more about the company and they were negative reviews about the company coming from students on XXXX, XXXX, and XXXX stating that this school is a scam and provided false information about landing jobs it was misrepresentation in false information! I decided to dropped out because I was misrepresented by false information provided by XXXX. Because XXXX states if theres a misrepresentation then they will refund you the whole amount. I dropped out in XX/XX/XXXX and contacted XXXX for a full refund instead they are refusing me to provide me a refund and added me to the block list where they dont contact you. Majority of jobs in the tech field requires you to have a bachelors degree with many years of experience and XXXX lied about job outcomes! And XXXX partner for providing students loans is Launch Servicing they are threatening to take collection action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: LEXISNEXIS
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:
I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Company denied me for a checking account based on credit score. 



XX/XX/2022 XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX XXXX was denied an extension of credit by PENFED. On XX/XX/2022, I applied for a Free Checking Account. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). PENFED has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both proof and evidence that I have been discriminated against, you are also criminally liable. PENFED CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX XXXX, XXXX. 
Without prejudice, all natural inalienable rights reserved.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XXXX XXXX XXXX XXXX issued me a check after closing out my deceased father 's checking account. They sent me a check for {$7300.00} but it was stolen on XX/XX/2021. My signature was forged and the check was cashed at a Chase location. 

I submitted a Declaration of Lost Cashiers Check and a notarized Claim of Forged/Unauthorized/Altered Check Declaration to XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021 Chase told XXXX XXXX XXXX XXXX that they would issue me a cashiers check. 

On XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX saying, " We were notified on XX/XX/2021 That Chase Bank would be sending a check to XXXX XXXX XXXX XXXX. As soon as that check is received by our back office they will notify me to issue you a new check. I will reach out to you as soon as I get the okay to process this. '' XXXX XXXX XXXX XXXX has followed up with Chase on numerous occasions since that date and as of XX/XX/XXXX, I have still not sent the cashiers check. 

I've tried to reach the right person at Chase to complain to but they refuse to give me any contact information. XXXX XXXX XXXX XXXX claims that Chase is now unresponsive to their emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
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 information incorrect

Complaint:
XXXX XXXX XXXX  is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted early warning services for months and still they have not deleted the fraud bank accounts that were open up in my name XXXX XXXX XXXX, XXXX XXXX and all the XXXX XXXX and XXXX XXXX  accounts all are fraud. I have sent police reports several times the banks did not do a fully investigation. I have included new evidence signatures in front of notary and a new police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-08-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a negative credit report alert, approx1-2 yrs ago, of an outstanding balance ( {$370.00} ), for an apartment unit ( XXXX ), that my wife and I never leased, out of XXXXXXXX XXXX We have never been/lived, nor have I ever leased an apartment unit in XXXXXXXX XXXX My wife and I, have always lived in XXXX XXXXXXXX XXXX ; I have been trying to get it resolved, for the past year, or so, to no avail. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BANCFIRST CORPORATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to my bank to do a wire transfer for a real estate transaction. I provided the wiring instructions to the CSR. No questions we're asked regarding this transfer, I was asked to verify the information and sign. Please know I was totally unaware of this wire fraud involving real estate. 
The money was to be sent to XXXX  XXXX XXXX in XXXX according to the instructions. Upon receiving a copy of the outgoing wire advise debit. It clearly states it went to XXXX  XXXX XXXX in XXXX!!! Which was not on the wire instructions. Perhaps if Bancfirst had CSR 's who they claim are experceived at detecting fraud, I would not be sending this message! I wired {$57000.00} which is my life savings and this carelessness has caused me to become homeless. I have sent Emails to the Presidents, ECO 'S and have no reply. Nor do I get returned calls from my bank manager when asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in XXXX County Texas and my home was damaged during Hurricane Harvey in XXXX. I started the loan modification process for my mortgage in XX/XX/XXXX. I turned in all of the paperwork that was requested but there was this profit loss statement for my home based business. 
I saw that the paper said that I needed a CPA to prepare the profit loss statement but I hadn't made any money because I was displaced. I called my customer relationship manager and they repeatedly told me that I didn't have to get a CPA because my I had not made any money for the period that I was displaced. 

Fast forward to XX/XX/XXXX Bank of America sent me a letter saying that they were going to foreclose on my home. I called Bank of America and the representative told me that none of the Hurricane Harvey disaster victims were supposed to get the letter. On XX/XX/XXXX I called Bank of America and the representative told me that the letter had expired and that my house was in preforeclosure. 

On XX/XX/XXXX I called Bank of America with XXXX XXXX a HUD approved counselor to discussion options for my loan. The representative told us that I had to pay {$7400.00} so that I could qualify for a repayment plan for the {$2800.00} that was left on the outstanding balance. I called Bank of America today which is XX/XX/XXXX, one day later to make the payment and the representative said that I would have to now bring the account current and I would have to pay addition 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