BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am already seeking law advice from a firm, however, PHL has crossed incompetence and floated itself past unprofessionalism and into criminality. Since XXXX we have been told that ALL information related to the assumption of our loan by a buyer ( new divorcee ) was received and collected. Since XXXX we have been told that we were 1-2 days from the closing document, outside loan companies have wired closing money 3x times thinking our closing day was here. Only for PHL to not return calls or say anything for a week. There is not a single employee who can be trusted for their word or anything they say. I have already filed two complaints through XXXX against PHL. Last week I asked for a contact back on what is going on. The head of the XXXX XXXX, XXXX XXXX, conveniently called within an hour of XXXX sending them my complaint. Unfortunately she has not responded nor did she call me back when she said she would. I find myself without the ability to discuss the nearly $ 800k loan I own with Planet Home. I want XXXX to call me back and explain to me where my lawyer can send his letters. I also need to know if XXXX qualifies as a " party '' for PHL or if the complaints to the Consumer Financial Protection Bureau should name PHL in general. The criminal elements include discrimination based on gender ( we believe they would not have turned this process into what it is if the wife was buying my house ) and the damages they know they are causing. I have a XXXX XXXX XXXX child since this process began to play out, currently relocated from XXXX XXXX XXXX blew up the original house purchase ( forfeited $ XXXX in earnest money ) in XXXX  due to this, most likely going to lose any future purchases based on this issue. Homeless with a XXXX XXXX because of PHL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX, XXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. XXXX XXXX must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on transunion.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
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 tried in good faith to dispute this information with Experian and my disputes are falling on deaf ears. Experian is refusing to investigate my dispute and continues to report incorrect information. There are 2 pieces of information incorrect on my credit report. 

My first concern is Experian is reporting incorrect Account Status. Experian changed my account status to past due 90 days on XX/XX/XXXX. The account was not past due in XX/XX/XXXX so why was the Account status changed to past due account on this date? Experian can not explain why they changed the account status to past due account in XX/XX/XXXX when the account was in fact paid off in XX/XX/XXXX. As a result of this incorrect information I have been denied credit for something that never happened. I have made several requests which have also been done in writing and experian has ignored my requests to investigate this incorrect information. 

My second issue is Experian has failed to report all of my payments. Experian is reporting I failed to make a payment in XX/XX/XXXX. I have asked experian to update the correct payment history and reflect the payment made XX/XX/XXXX and Experian has yet to update this information. Please publish this information in hopes of other consumers experiencing the same problems can come together for a class action lawsuit. Experian refuse to investigate my disputes and this is incorrect information has hurt me beyond my worst expectations.

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 2023-05-02
Company: Paypal Holdings, Inc
State: TX
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 Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account . I believe this limitation was placed in error and I have not violated any PayPal policies.

I am a law-abiding citizen and have always conducted myself in a professional and honest manner in all of my business dealings. I am confident that I have not violated any of PayPal 's policies and I urge you to re-investigate my case.

I kindly request that you review my account and take into consideration any and all evidence I can provide to support my position. I would be grateful for any assistance that you can provide in this matter.

I sincerely believe that my account should be reinstated as soon as possible, and I respectfully ask that you consider my request. I am available to answer any questions or provide any additional information that may be required to resolve this matter.

Lastly, the email address on my PayPal account is XXXX. I appreciate your time and attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Rewards

Complaint:
My account was closed by Barclays on XXXX/XXXX/16. However, I did not receive my accrued rewards which are approximately XXXX points which can be cashed out for {$200.00}. Please issue a check for these rewards as the account was closed without the opportunity for me to redeem these rewards.

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
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Verizon was offering a special if you opened a Synchrony Bank card, you would receive a discount. Sounded good at the time, however, after a month I decided to cancel the card and continue using. Verizon 's auto pay which I have been using for years. I cancelled the card XX/XX/XXXX. However, the bank keeps charging me even though I have sent them proof from Verizon that the charges have been paid. I have also sent them verification from Verizon that the account is closed. 
I recived another bill today XX/XX/XXXX, they are adding late charges and they are also reporting that these payments are late to all of the Credit Bureaus. I have an excellant credit score, which they are damaging. 
I have also brought this issue to the Attorney General 's Office and the Bank was not willing to resolve this issue. I would like bank to bring the account to zero, I do not owe what they are charging me on a credit card that is closed. They are also charging later fees and interest. 
In addition, I would them to send letters to all the credit bureaus and withdraw their complaint in order to correct the damage they have caused to XXXX credit score.. 
I have been trying to resolve this issue sind XX/XX/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 2022-11-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), I have the right to have accurate information on my credit reports. All three credit bureaus have inaccurate personal information on my credit report. I've attached my Driver 's ID and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: NY
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:
Good day. I am seeing a unusual amount of inquiries appearing on my credit report that I do not recognize, specifically over the past few months. 

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 non-monetary relief
Consumer complaint received 2019-12-05
Company: LendUp Loans LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Yes I was approved for a {$100.00} loan from LendUp and never received. I applied for another loan with me they declined it and never give me reason as why they declined it this is considered illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I tried to call the Credit Report agencies and it was ignored. 
I called Sychrony Bank/Amazon and they said it was under review. I didn't open the 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 2023-05-02
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have asked for help since XX/XX/XXXX with a debt due to Covid-19 hardships from XXXX XXXX XXXX  XXXX LVNV Funding LLC acquired the account and now has sold the account on XXXX to Resurgent. Resurgent has threatened to sue me for an old credit card debt. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

I have asked for help since XXXX to present with a medical debt from XXXX XXXX. Im having hardships and unable to pay due to Covid-19 hardships. The account was sold to XXXX XXXX XXXX XXXX. XXXX XXXX has reporting negative on my credit report for years. May I ask for a Goodwill Deletion on my credit report. I am seeking and applying for a mortgage and Im receiving social security XXXX funds. 

Yours very truly, T

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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.

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 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 2022-11-21
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX  I received a denial for a rental from XXXX XXXX who claimed the denial was due inpart from AMRENT, INC, I did not consent to false information being shared against me by AMRENTS, XXXX or any other agency,.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Paypal Holdings, Inc
State: CA
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, I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to appeal this decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies or engaged in any activity that would warrant the permanent limitation of my account. I have been a loyal and active user of PayPal for many years, and I have always ensured that my account complies with PayPal 's policies and guidelines. 

Given my clean record and my compliance with PayPal 's policies, I strongly believe that the limitation on my account was placed in error. I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal has a duty to ensure the security of its platform and to prevent fraudulent activity, but I firmly believe that my account does not pose any such threat. 

I kindly request that you take a fresh look at my account and reconsider your decision to permanently limit it. I am confident that a thorough investigation will reveal that my account is in full compliance with PayPal 's policies and that the limitation was placed in error. 

I appreciate your attention to this matter and your prompt response. I hope that we can resolve this issue amicably and restore my account as soon as possible. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: ERC
State: OR
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 ( ERC ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with XXXX, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted ERC several times to get this false information corrected. I was told by ERC to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call ERC I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at ERC but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted XXXX  directly several times and submitted documents from ERC saying the payment of {$400.00} was made on XX/XX/XXXX. XXXX says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both ERC and XXXX and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to XXXX they have not corrected the false entry. ERC is telling XXXX  the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by XXXX and ERC and still nothing has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The purpose of this complaint was to bring to your attention the fact that Bank of America has been behaving inappropriately toward me as their customer. It was made clear that I was the victim of fraud, which resulted in me losing a large amount of my hard earned savings in the amount of XXXXXXXX XXXX 

The main reason I continue to insist on due process in my case is because I understand that Bank of America has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. The only thing they do in fraud cases is to deliberately exploit a gap in current regulations in order not to admit their mistakes and negligence, which cost their customers a lot of money.

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 2017-01-19
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection letter sent to former address. XXXX is not owed money on my account. XXXX was contacted, requested letter sent to their fraud/legal dept. I 've faxed AIC to contest debt and request all information via fax and not mailed ( all copies attached ). One of AIC 's search results netted a long list of complaints by consumers receiving similar letters and or calls. This is a fraudulent scheme on behalf of AIC to collect money on debts not owed ( certainly not in my case )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 spoken to XXXX XXXX, transunion, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like transunion told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.

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