BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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 XXXX XXXX, I hope this message finds you well. I am writing to address the recent restriction and limitation placed on my newly created PayPal account. As a new user to your platform, I am eager to utilize your services for secure online transactions and adhere to all the terms and policies set forth by PayPal. 

To my surprise, I received a notification stating that my account has been restricted and limited. I would like to emphasize that I have not undertaken any transactions or actions that may have breached PayPal 's guidelines. As a law-abiding user, I am committed to following all the necessary procedures to maintain a safe and compliant environment for all users.

I kindly request a thorough review of my account and the specific reasons behind its restriction. I believe this may be a result of an inadvertent misunderstanding or an issue that can be promptly resolved. I assure you that I am willing to cooperate fully to verify my identity and provide any additional information required to reinstate my account. 

For your convenience, my registered email address linked to the restricted account is XXXX. Please direct any correspondence or updates related to this matter to this email address. 

I am dedicated to resolving this situation as swiftly as possible, and I would sincerely appreciate your assistance in reinstating my account access. If there are any specific steps I need to take or additional documentation I need to provide, please inform me, and I will comply promptly. 

Thank you for your attention to this matter. I look forward to a favorable resolution and to continue using PayPal 's services responsibly. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting 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:
To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lower Holding Company sold my mortgage to XXXX Mortgage some time last month. In the process Lower has once again " lost '' one of my payments. I say once again because this is the second time Lower has sold the mortgage and " lost '' a payment in the process. I filed a complaint last time and suddenly they " found '' the payment -sent an apology letter and everything. ... I do believe this a pattern of behavior that Lower engages in as a money making scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 explanation
Consumer complaint received 2020-12-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are 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. I am doing this on my own behalf and really need someone to help me with this.

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 2023-11-08
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX XXXX XXXX  I sent {$500.00} through Zelle on my XXXX banking app. The payment was sent to an email address ( XXXX ) with my brother XXXX XXXX listed.When I found out that the payment was not received, I called XXXX and asked them why my payment didnt go through. They said it did go through, when I asked who it went through to, they told me they could not give me that information. When I tried to contact Zelle, they told me any disputes must be taken up with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I reached out to Lexington Law on XX/XX/2020 at XXXX XXXX. I spoke with a man and provided him with the description of the negative items on my credit report. He advised they could help remove these items, and sent me an agreement to sign while we were on the phone so they could get started which I did. During the 4 months I was with them, nothing was accomplished. 

From XX/XX/2020 - XX/XX/2020 I got a notification from them that a negative item was removed from each of my credit bureau reports. I reached out to them as it was only being reflected with them and not with my other credit monitoring services. I spoke with XXXX XXXX which informed me the removals were permanent which turned out to be a lie. 
I set up the disputes in order of importance, however the first acct XXXX has not being worked on since XXXX. When I reached out they stated the next update was due on XXXX. 
I requested an escalation for one of my account and this was incorrectly done. They provided me with a letter to send to the creditor. The letter stated that I had 2 account being reported incorrectly and to verify the account which was incorrect as I only had 2 account and was only trying to get the late payment removed. And they have the nerve to charge me. 
My attempts/ email to contact them has to be sent multiple times to get a reply. When I get a reply it will be simple copy and paste template. I now realize this was all a scam. They said they could help me with the negative items but it was all a scam. I would like all my payment refunded from XXXX - XXXX. 
Date Status Description Amount XX/XX/2020 PAID Monthly Subscription Fee {$110.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID Monthly Subscription Fee {$120.00} XX/XX/2020 PAID First Work Fee {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: MI
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 update all of my personal information on my credit report for each bureau : Equifax, XXXX, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX  There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi Good day! 

My name is XXXX XXXX. 

I recently made a complain to my bank XXXX XXXX XXXX regarding to the XXXX checks that they froze cause it wasnt literally written under my name instead it was name to my business XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and also name to my XXXX customers named XXXX XXXX and XXXX XXXX. 


This XXXX checks was issued from XXXX and XXXX. My customers gave this to me for their payment of collision. 

However on XXXX 2022 they froze my bank which is XXXX XXXX XXXX  cause they thought it was a fraud cause its not written under my name. However this XXXX asked for a Hold Harmless Letter or XXXX to the insurances/their bank! Unfortunately they failed to get it cause according to the insurances they dont issue it and the only way to resolve is send them back where the check came from but according to XXXX XXXX XXXX thats not how their Policy works! 


On XX/XX/2022 I called them and asked them again the update for my account. And they said they want now the payees on that check to contact the bank of america to fix the problems. In other words bank of america will contact XXXX XXXX XXXX to solve this issue. 


And now today I would like to ask Bank of America to please call XXXX XXXX Bank to help me solve this issue. Because according to the lady i spoke with Bank of America needs to fix also this mistake. 

XXXX XXXXXXXX XXXX phone number direct to the XXXX is XXXX My 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 2023-11-08
Company: Nelnet, Inc.
State: AL
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:
XXXX loan repayment recently resumed. I made my first payment to Nelnet on XX/XX/2023. I paid the minimum amount on most loans and added a little extra to my loan with the highest interest rate. 

As of today, two weeks since my payment, the money has not been withdrawn from my bank. I called to see if they had any record of it or issues and my bank said they do not see the payment.

However, the day I paid Nelnet sent me a confirmation email with details about the payment. Their website now says I have a past due balance, shows no payments have been made in my payment history. After spending hours a day on hold ( while at work ) I cant get in touch with anyone from Nelnet to explain the situation.

I am concerned this missed payment is affecting my credit score and that more intense is accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have made four payments totaling almost {$600.00} and my loan went down {$59.00} I never was told that I would be paying all my interest upfront

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid 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:
Making an on-line purchase with Discover card and transaction was declined. Received an e-mail indicating a suspicious transaction with. the amount of {$39.00}, I indicated that it was not what I was attempting to purchase. The account was shut down and I was instructed to call the fraud dept. Called the number and auto answer stated wait time was over 10 minutes. I made several attempts to call Discover for 2 days ( XXXX and XX/XX/10 ) and each time was on hold for over 15 minutes and up to 30 minutes with no answer. In the meantime, I received e-mail messages to call the fraud department each time I attempted to go online and contact Discover. I also recieved an automated call from Discover advising it was the fraud department regarding a suspicious charge and once again, put on hold for over 15 minutes and then their system stated that there was no fraud specialist available and hung up. My payment is due on the XXXX and I was attempting to make a payment, but the account is locked, yet I get a reminder that my payment is due shortly. No one answers the phones on the general number or the fraud department number. This is no way to run a business and time spent was wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My debit card was charged XXXX dollars. An immediate debit transfer to Chime bank. I did not authorize this. It posted to my bank as a debit. I immediately contacted chime support and was then locked out of the chime app. I have no way of accessing my money and have gotten the run around by chime. I have had a chime account for years, but have left it dormant not using my debit card from chime or using their services. My XXXX XXXX  debit card has been on file with them ( chime ) but not used to transfer funds in almost XXXX  years. Out of the blue I see my online statement at XXXX XXXX XXXX  showing XXXX withdraw in pending! Transferred to chime as an immediate withdraw. After consulting with chime for hours trying to get to the bottom of why I was blatantly robbed by them .. they locked me out. I cant access these funds or didnt authorize this. Im going to make a police report as well as been in contact with my bank to do an investigation. Chime has asked me for documents and I completely complied to their request to later be given a run around. They asked me for a plethora of personal documents to prove my identity. I gave them all of them and then some! DL, bank statements, utility bills, SS card, Birth Certificate, XXXX  months of my XXXX XXXX XXXX  statement, screen shot of them taking a withdraw out of my bank. My residence lease contract proving my address along with phone bills, electricity bill, gas bill, internet provider. There is nothing else to give them other than a DNA sample!! This is complete fraud stealing my money then closing me down after theft. Ive been on the phone with XXXX different chime associates including manager, supervisor, etc. they all have the same answer. I cant help you let me transfer you game!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CLOSED ACCOUNTS SHOWING OPEN! EQUIFAX IS NOT DOING THEIR JOBS OVER THERE! THERE ARE TWO ACCOUNTS CURRENTLY SHOWING OPEN ON MY CREDIT FILE, THAT ARE IN FACT CLOSED!!! I SPOKE TO THE CREDITOR, THEY HAVE CONFIRMED IN WRITING THAT THEY REPORTED MY ACCOUNTS TO EQUIFAX AS CLOSED! BUT EQUIFAX HAS NOT PUT IT IN CLOSED STATUS GOOD STANDING. THE FEDERAL GOVERNMENT NEEDS TO AUDIT EQUIFAX FOR NOT FOLLOW THE FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My homeowner 's insurance is escrowed per my final signed closing disclosure. I received notification from my insurance company that a payment is due for {$940.00} for the year. I also received a letter from my mortgage servicer ( Truist ) to contact them immediately regarding cancellation of insurance. The reason my insurance was being cancelled is due to the annual premium not being paid by my mortgage servicer. There is currently {$3000.00} in my escrow account per my most recent mortgage statement. When I called Truist, they informed me my homeowner 's insurance is NOT escrowed, even though it does show escrowed on my final signed closing disclosure. The letter Truist sent me also has my insurance policy number on it so I know there was some kind of communication between Truist and my homeowner 's insurance ( XXXX XXXXXXXX XXXX XXXX XXXX ). Truist is now saying they are force placing their own homeowner 's insurance because they received notification of my cancelled insurance, but their insurance is more expensive than mine. They informed me there is no way around this and that it is my responsibility to make sure the insurance is paid and my property is always covered. However, I signed the closing disclosure stating my homeowner 's insurance premium would be paid from my escrow account and that the reason the insurance was being cancelled is because they have not yet paid the annual premium from my escrow account. I spoke with a representative on XX/XX/2023 with all of this information and they are going to call me back tomorrow or the next day to follow up with me. 

I do not believe it is fair that I have to pay a higher insurance premium that Truist is force placing because Truist failed to pay my homeowner 's insurance on time.

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 2023-11-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23, there was an unrecognized XXXX transaction made on my chase account to an unknown individual. Since I was still a minor at that time, it was under mine and my mothers ( XXXX XXXX ) name. We called chase and they spoke to my mother and a claim was filed. On XX/XX/23, I got a notice letter stating that it was authorized therefore a refund couldnt be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$22000.00}, XXXX XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$22000.00}

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 2021-05-04
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:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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