BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an automated all from XXXX stating my credit card was billed for Paypal {$290.00}. + and if I didn't agreed to call another 800 so fast I couldn't even hear. 

I called the XXXX-number back and a foreign man answered. I asked what is this he said your Paypal is billing your credit card $ XXXX.+ and I said no the XXXX your not. This if Fraud I didn't authorize that! Where are you calling from? He then hung up. I don't even have an active Paypal account but have several credit cards so I don't know which one they were evening talking about and haven't used Paypal in a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: OH
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:
I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The XXXX Bankruptcy XXXX DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed XXXX written complaints against the credit bureau and the results of the investigation has been that the item and description is XXXX and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is XXXX different results. The credit bureaus refuse to remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

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 2020-02-19
Company: EQUIFAX, INC.
State: LA
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 information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a call today from a XXXX XXXX with the XXXX debt relief firm telling me about student loan forgiveness and then telling me I needed to pay either XXXX in XXXX monthly payments or pay XXXX in XXXX payment to be enrolled in this program. They even went as far as having navient call me and verify information. I felt uneasy about this whole process and was then threatened with the garnishing my pay. The lady with navient gave me an id number of XXXX. XXXX got upset with me when I got upset over the money they wanted to enroll me. They are saying they are with the us XXXX XXXX XXXX I ca n't make the loan payments and was I thought in forbearance and was informed that ended in XXXX of XXXX and I was n't even aware of it. I feel like I should n't have to pay for something I went online and applied for myself. Also the phone number XXXX XXXX called me from was from XXXX XXXX that made me leary to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Finance of America Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After speaking to Finance of America Mortgage LLC about refinancing my current mortgage that I have with XXXX XXXX I was asked what I thought my home was worth. I told XXXX XXXX that my new insurance just insured me for XXXX as my value and then he asked me what I owed ( XXXX ) and he said those numbers were enough to refinance form an FHA to a Conventional loan to remove the PMI and lower our monthly payment going forward. He never told me that the apprasial could come in much lower and to be prepared for different numbers if it did. 

He advised that he would run the numbers and gave us 3 options, all where would get around 7 to 10 thousand dollars back at closing. He advised that I needed to sigh a rate lock form and give him a CC for an appraisal that would cost {$470.00}. 

I said I would not do that without seeing final numbers and he said not to worry about any of that the {$470.00} would be reimbursed at the closing cost and I would not have to pay that out of pocket. it would only be held on my card until closing. 

The appraisal came back at XXXX and they told me that I would now have to pay at closing and I was losing my {$470.00} as well. I said I was never explained that and I wanted my {$470.00} back as promised and I was not going to pay them anything. 

They told me how to cancel or how to get into a different loan that were not the numbers that we discussed and have now stopped communication with me. 

I want my money back and I want to file a complaint against them. 

XXXX XXXX - Director of Sales NMLS-XXXX XXXX XXXX - Sr. Mortgage Advisor NMLS-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-13
Company: FACTUAL DATA CORP.
State: RI
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:
My credit report shows an inquiry made by a company called Factual Data on XX/XX/2019. I never contacted this company and want to know how and why the ran my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Renasant bank has charged me {$250.00} in over draft fees in less than 30 days. They are reordering my transactions, paying transactions while charging me a {$36.00} fee then returning the transaction and charging me a return fee. This has happened with one transaction twice.

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 2017-07-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Customer service states that a request in credit line increase led to a decrease in credit line when no visible changes t o credit score or rep ort were made. Shortly after the decrease in credit line, account was closed with no notice.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have many inquiries on my credit report from Transunion, XXXX and XXXX. I already submitted a dispute with XXXX. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my 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 2017-11-10
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX I contacted Reverse Mortgage Funding LLC to negotiate a reverse mortgage. I asked for {$5000.00} at closing for upgrades on my master bathroom, and {$1000.00} a month. Closing was on XX/XX/XXXX. My house was appraised at {$210000.00}. Everything went very smoothly and XXXX was easy to deal with. I received a monthly statement which included a " Credit Draw Request Form ''. 

In XX/XX/XXXX, I contacted XXXX and requested a draw of {$25000.00} to add a garage to my house. I was told I would have to apply for a NEW reverse mortgage and get a new appraisal, which came in at {$220000.00} ( without the new garage ). The XXXX agent sent an email stating the I could only draw {$20000.00} plus {$1000.00} monthly. A contractor was signed to do the work and he put a lien on the property for the work to be done. XXXX called to say they could n't close until the construction was completed and the debt paid. I paid the contractor in full from my savings, leaving a very small cushion. 

I told the XXXX agent I would like a new appraisal. He said the new appraisal could n't be done until XX/XX/XXXX. I agreed to wait. In the middle of XX/XX/XXXX, the XXXX agent called to let me know that the laws would be changing in early XX/XX/XXXX, limiting the amount I could access. He suggested I should close ASAP. Closing was XX/XX/XXXX, at which time I was told I would only receive $ 17,000+ on the initial draw. I gave the notary a voided check for direct deposit into my account for the initial draw and another voided check for the monthly draw. However, the amount deposited in my account was $ 16,000+. On XX/XX/XXXX, expecting a deposit in my account of {$1000.00}, I was disappointed. I contacted the agent I had been dealing with who told me there was no clause indicating the monthly draw. 

I do n't have a copy of the closing paperwork. I believe the notary took my copy by mistake.

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 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America ( BoA ) shows a pattern of charging a $ 12 monthly maintenance fee around the same time a debit transaction is made to the account bringing the account balance to {$0.00}. BoA then charges a {$35.00} " OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX XXXX XXXX XXXX DATE '' as if the debit transaction resulted in a negative account balance and not the monthly maintenance fee itself. It has happened at least twice recently, once on XX/XX/2022 and again on XX/XX/2022. On each occurrence, an electronic money transfer was made to cover a transaction in the account on different dates, the account was then debited, the monthly maintenance fee was charged followed by an overdraft fee. The maintenance fee is not charged on the same day each cycle. This seems to be done to extract more fees from the account and I would like it to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: IL
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:
2hardinquiry'sforthesameloanfromthesamecompanywithin1month--Experianisimpossibletocontact-noemailcorrespondenceandno(real)phonecustomerservicealsonodisputemechanismontherewebsiteforhardinquiry'sIhave2hardinquiry'sfrom;XXXXXXXXXXXX,aboutthesameloanonmycreditreportbothwithina31dayperiod---only1hardinquirywasauthorizedalsoExperianstatesonitswebsite"thatany2ormoreinquiry'sfromthesamecompanywithin45dayswillautomaticallybecombinedintoone"thisisExperian'scompanypolicyfromtheirwebsitetheydidnotdothisyoucannotcallandspeaktoANYONEnooperatorsatalljustautomationalsotheyhavenoemailorcustomerservicethisisahorriblecompanytheywaytheoperateshouldbeoutlawedifyoudon'tbuytheirupgradedservice,yougetnoservicethisisextortion

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 2017-11-10
Company: Convergent Resources, Inc.
State: DE
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:
This is something that has to be years old. When I search it comes up as XXXX and I have had XXXX for 4 years and XXXX for almost 2 1/2 years now. This debt has been sold a number of different times and has reported over and over again and I can never get anyone to have a civilized conversation they scream call me names and hang up. XXXX XXXX XXXX XXXX both found it to not to be a valid but XXXX will not remove. This is something that should be illegal how can a company get away with doing this. I have work very hard to keep my credit clean only to have this company report a fake account all in red?? Please help me clear this up I would be forever grateful. This company upon further review apparently does this often ...XXXX shameful!

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 2022-03-10
Company: National Collection Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2021-09-11
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: Old information reappears or never goes away

Complaint:
I have accounts on my credit report older than 12 years and I have continually disputed these accounts and asked for the remove but never granted.

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 2017-11-08
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was not receiving electronic statements and did not get my bill. The payment was marked as late.

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 2022-03-10
Company: WELLS FARGO & COMPANY
State: OH
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:
In XXXX I filed a Chapter XXXX with XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ( XXXX ) XXXX, this Chapter XXXX was XXXX on XX/XX/XXXX. 
My wife and I applied for a loan refinance to lower our interest and get cash out for a vacation after XXXX. We were informed by our loan agent with XXXX XXXX  that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX Texas ( XXXX ) had a bad debt listed on my credit report, for {$21000.00} and that Wells Fargo Bank our mortgage carrier had placed a lien on our home. We were never contacted by Wells Fargo concerning the alleged bad debt that XXXX XXXX was claiming we owe, we find this rather XXXX and since its Wells Fargo! 

A XXXX representative said that their company bought the debt back in XXXX, obviously the company bought bad debt. I was never contacted by XXXX XXXX by phone or mail from XXXX through XXXX. If XXXX had contacted me I would have told them that the debt they were trying to collect has been XXXX in a Chapter XXXX ( {$23000.00} ) Wells Fargo should not have allowed a lien to be placed against our home this has cost {$12000.00} cash out, Wells Fargo should have contacted us about the company approaching them with some alleged bad debt.

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 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.

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