BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: Paypal Holdings, Inc
State: PA
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 express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was a result of an unfortunate mistake, as I have diligently followed all of PayPal 's policies and guidelines. 

To my knowledge, I have not violated any of PayPal 's terms of service or engaged in any activities that would warrant such severe action. It is disheartening to be faced with this limitation without any specific explanation or evidence of wrongdoing. 

I kindly request that you re-investigate my case thoroughly and consider lifting the limitation on my PayPal account, if it is indeed determined that no violations have occurred. I have always regarded PayPal as a reliable and secure platform for online transactions, and I genuinely value the services it provides. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and provide a fair assessment of my account 's status. I am hopeful that this situation can be resolved swiftly and to our mutual satisfaction. 

Thank you for your attention to this matter. I eagerly await your response and a positive resolution to reinstate my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2023-10-27
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX PayPal Holdings , Inc. 


PayPal Reference : XXXX XXXX have been using PayPal without any problems for years. However, my son, XXXX XXXX asked me for help money-wise, {$2000.00}. XXXX did not have XXXX or PayPal so I asked XXXX to get XXXX or the other so I XXXX transfer money to him. 
On XX/XX/XXXX, XXXX informed me he had a PayPal app. I told XXXX I would send him {$25.00} to see if it would transfer properly, and it did. The PayPal transaction is # XXXX. Up to this point, I had no contact with XXXX XXXX 's name. 
On XX/XX/XXXX, I sent {$2000.00} to XXXX using PayPal and my debit card to XXXX, PayPal Transaction # XXXX. XXXX did not receive the money. When I checked with PayPal and filed a complaint, I noticed XXXX new contacts I did not know about, for a total of XXXX contacts for XXXX XXXX : XXXX ) XXXX XXXX backgroundXXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; XXXX ) XXXX XXXX background, XXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; and XXXX ) a blue circle with an icon in the middle of it ( do not know what it represents ), and XXXX XXXX below the circle. 
The PayPal XXXX informed me the {$2000.00} went to the email XXXX my son XXXX informed me that he has never had any XXXX email address. 
First and foremost how did XXXX unauthorized XXXX XXXX contact icons get added to my PayPal page if XXXX nor I requested or put them there? In my opinion, PayPal was hacked and this person who performed the hack put these XXXX false XXXX XXXX contacts on my PayPal account and does, has, or had an email address of XXXX and received my {$2000.00}. If those XXXX unauthorized contacts were not hacked into my account, then my {$2000.00} would have transferred to my son, XXXX as did the {$25.00} I sent him on XX/XX/XXXX. 

Secondly, PayPal informed me that the messages in their message box would be available to me for 3 years as of XX/XX/XXXX. I have not been able to access the message box nor print the messages I had with the PayPal XXXX on XX/XX/XXXX, XXXX. 
When the PayPal XXXX was asked by me how can I print our conversation, I was informed that they would send me an email with a copy of our conversation, which I have not received as of XX/XX/XXXX. 
I believe that my {$2000.00} should be returned to my debit card since the money was sent to my son XXXX XXXX who had received {$25.00} in a test run on XX/XX/XXXX, and I did not add, or have knowledge of the hacked contacts added to my account. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX cc : Consumer Financial Protection Bureau XXXX Bank Colorado BBB XXXX Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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 XXXX Account XXXX XXXX XXXX, XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 bankruptcy dismissed # XXXX has violated my rights. 

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

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: RI
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:
In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. In O ) cober of XXXX I r3ecieved a notice from Wells Fargo Bank that my account was being closed due to delinquent payments. I contacted Wells Fargo and notified them that I never had a Wells Fargo account and filed a fraud claim. This situation is currently being investigated by Wells Fargo. On XX/XX/XXXX I received a notice from XXXX bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by XXXX bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the Wells Fargo account and the XXXX Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with Wells Fargo and XXXX bank.

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 2022-12-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from XXXX  saying my application for student loan debt relief was approved- but now I've gotten an email saying this was in error. My loan is managed by Mohela and is a US federal loan. I demand the lender honor the previous promise to approve my student loan debt relief - {$20000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: WELLS FARGO & COMPANY
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:
I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-10-27
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Robinhood locked my XXXX and is taking an unbelievable amount of time to unlock it. 

They have my XXXX tied up for no reason whatsoever and request an insane amount of information just to unlock it ( drivers license, passport, bank statement, etc. ). They have yet to unlock it. 

I would be afraid to invest with Robinhood or leave my money or digital currency on the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: AZ
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 wrote a letter XX/XX/XXXX regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the XXXX date breach my information may have fall into the wrong hands.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.

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 2023-10-27
Company: WELLS FARGO & COMPANY
State: MN
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 was hanging out with my girlfriend and I check my account and there where 2 checks XXXX and XXXX and I had no clue what they where. The XXXX one got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the 2 {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after 1 check got approved. Then I called in and reported all this and then they did nothing about there mess up.

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 2023-05-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage sent me their annual PMI disclosure notice dated XX/XX/2023. I refinanced my mortgage through them a little over two years ago. The PMI disclosure specifically states specific criteria to be met to remove the PMI from my loan even if loan-to-value ratio remains above 80 %. 

Criteria I have met include a good payment history of two years, property improvements ( shed and garage cabinetry to be installed in XX/XX/2023 ), value of home has increased since refinancing, and no liens or second mortgages have been undertaken. Despite this Rocket Mortgage is claiming I have to have a house assessment that comes in at a value that gives me 25 % equity in the house value, rather than the 80 % figure they promise. 

In the disclosure, Rocket specifically details everything above while promising that the PMI payments can be removed even if equity value is lower than 80 %. They are being untruthful and their disclosure is making false promises that are entirely unreasonable. 

I currently owe {$350000.00} on a loan financed at a home value of $ XXXX. The current city estimate comes in at {$450000.00}, to go up approximately to {$480000.00} by XX/XX/2023. All this is without home improvements I have since made. This means my current equity ownership in the home exceeds 21 %, which would legally require Rocket to terminate the PMI at my request. Again, Rocket has stated they can terminate the PMI even if over 80 % of the loan has not been paid. 

I have called Rocket about this at least three times with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Village Capital & Investment LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have recently been working with XXXX XXXX XXXX  to refinance my loan. When it came time to submit my loan to a title company for property title as required by my State ( Oklahoma ), they determined that another company called Village Capital created a loan and submitted it to a title company, preventing XXXX XXXX from submitting this for closing. I worked with XXXX XXXX from XXXX XXXX to get this action cancelled and notify the title company that I did not authorize Village Capital for this action. 

It appears that Village Capital created documentation on XXXX XX/XX/2023 for a refinance loan for me without my permission. I did not sign or authorize documentation for Village Capital and I did not request them to pull a credit report, I feel this is fraud and there should be some investigation into how this was done without my knowledge or authorization, and that Village Capital should receive some kind of retribution or punishment. 

Village Capital & Investment, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Information belongs to someone else

Complaint:
I'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.XXXX XXXXXXXX

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo denied me loan modification when I was struggling to keep my home. I had a prev. Complaint but they only had dates but no information regarding the numerous conversations denying loan modification. Certainly there is a written transcript of those calls to provide more accurate representation of how my situation was improperly handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: American First Finance, 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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : 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