BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Sent from my XXXX Subject : Unhappy with buyer protection guarantee, Ive been dealing with an issue my family had with a seller on XXXX and were hoping PayPal would help us resolve but its been very frustrating. In a nutshell, my son bought an XXXX that was advertised as new, and we found out 2 months later that it was not indeed new and filed a claim with PayPal. They have not listened to one shred of evidence we have about this and just blatantly deny our claim. I would love to be able to really talk to someone about this in-depth. It is my sons account but he gives full permission for me to deal with this. I hope you can help us. His case id is XXXX. Every time we try to deal with PayPal they just deny his claim without hearing any evidence I know whatever info they have for his case isnt complete because we were never allowed to submit everything. Thanks so much for your time, I hope to hear back from you. 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: TN
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:
Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXXXXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MD
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:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did pay my balance amount in Full before the Due date of the XXXX month. I paid my balance on XX/XX/XXXX. My due date was XX/XX/XXXX and Statement date was XX/XX/XXXX. They charged me with XXXX dollars interest after making the full payment of my balance amount before the due date. I tried to reach out to the customer care team but they are not responding properly on the charge. I am not sure what I can do as a customer and how my complaint resolve the issue. But just trying to see if they stop doing such charges on customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked the US Courts and XXXX XXXX to verify a bankruptcy that is reporting on my credit report. I was advised by both sources that it was unverifiable and should not be reporting. I received letters back saying that it was deleted but i still see it being reported and i know that this is illegal.

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

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 2021-09-14
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am current on the mortgage payments and paid {$300.00} extra to the principal on ( XX/XX/21 ) .Specialized loan servicing applied my payment to the P/Interest for the next month payment due XX/XX/21 Eventhough I noted on the payment is was a additional principal payment.I need them to apply the payment as I directed.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
i have unauthorized inquiries that need to be removed I didn't do 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 2017-12-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX I was locked out of my Coinbase account due to changing phones. I sent in all of the necessary paperwork on that. It 's been almost two weeks and I have n't heard a peep from them. I have over $ 50k in the account and ca n't access it nor do I have an update from them at all. I 've sent emails repeatedly, tried calling to no avail, sent messages to their support on XXXX and XXXX to no response. They 've done nothing and have told me nothing while they are holding my money and not letting me sell or get my money off the platform. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I leased a Hyundai in XXXX and made every payment on time. I leased another Hyundai, in the summer of XXXX and turned in the XXXX car. As part of the deal, my last few payments on the XXXX vehicle were to be paid by the Hyundai dealer. Apparently, the payoff funds were applied to the new vehicle, instead of the old vehicle. I have no idea if the Hyundai dealer or the XXXX XXXX XXXX made the error. I began making payments on the new car and, still today, make my monthly payment on time. 

My credit score took a major hit as 3 payments on the old car erroneously appeared as past due. After much legwork, that I was required to do between the dealer and the finance company ( they would n't do any research, saying it was my problem to resolve ) the finance company agreed that the payoff funds had been received when due and they agreed to remove the late payments from my account. Several weeks later, my score returned to normal. 

Later in XXXX, one of the late payments appeared again ( on the old account ) and I filed a dispute with XXXX. A few weeks later I received a notice stating that the information was correct ... .and I then noticed that all 3 late payments were on the XXXX report. 

After many phone calls, I was finality able to convince XXXX XXXX that the late payments should be removed again, and I assumed this finally solved the problem. 

In the spring of XXXX, I received another notice ( from XXXX XXXX ) that my score had dropped. All 3 late payments were again on my report. Removing the errors took even more phone calls, as I was repeatedly told the data was correct and that XXXX was to blame. I finally reached a reasonable person at XXXX XXXX who saw the full history and actually apologized. I appreciated her help, but stated that I was very concerned with the apparent lack of controls that would prevent this problem from happening again. Knowing that if they did n't correct the source data in their system ( s ), a repeat posting of this data was certainly possible. Unfortunately all this lady could do was correct the data already sent to XXXX. 

Today,XX/XX/XXXX I received yet another notice that three XXXX payments were now showing as late ... ... ... 

XXXX XXXX is n't open in the evening ... but I will call them again in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1. Received ad from Citibank in XXXX to deposit {$15000.00} and get a {$500.00} Bonus after X months and subsequent time. It should have been deposited by XXXX at latest. 
2. XXXX opened the account at the XXXX  Branch of Citibank,XXXX  XXXX XXXX XXXX, XXXX , NV XXXX tele XXXX XXXX but don't bother calling as you can not get through ... you will spend your time going through prompts only to be switched to national customer service, which immediately says " We have problems with this system ... '' or something to that effect and hangs up on you. 
3. After opening, we began to get letters from Citi stating my wife needed a W-9 and W-8. After checking with our accountant, he determined although my wife is XXXX she has been a XXXX XXXX for over 20 years and a tax payer and need not submit a W-8 and instructed us how to complete the W-9. We did and sent it in. 
4. A few weeks later we got another letter from Citibank stating that document had issues ( not being clear on what those issues were I tried to get answers via phone ... that was hours wasted, but each time I called they ended it with " Just send in the form or go to the nearest branch and you'll get your {$500.00} bonus ''. Great ... .I can't go to a branch as i have severe respiratory issues and can't risk Covid. We sent a new w-9.

5. Got another refusal of her W.9. Then shortly an email saying that we hadn't given them the info in a timely manner during the course of the bonus so it's not going to happen.

6. As we'd done everything we could do and Citi was at fault as they couldn't give clear direction on what the issues were, we finally had my wife go to the branch but only after I sent a letter to the manager XXXX XXXX ( I may not have that right but close ). 
7. We also sent another W-9 in to the Citi IT branch as instructed. 
8. Although we had sent in yet a new W-9 it was returned as being " Altered ''.!! How? I took it from the web and filled it out. There could be no alteration. I was feeling a bit lied to and seemed maybe we were part of a Citibank program to raise money but not follow through on their end. 
9. XXXX XXXX although he was able to clarify the papers, has only depositied a $ XXXX not {$500.00} bonus. Since then I've sent him 2 letters which he's ignored or has not gotten to him. 
10. We simply want the other {$100.00} we are due. Yet with their customer service and now being ignored by a manager, we're unable to do anything. Please help us. Thanks. It's not big money but it's the principle and they owe us.

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 2017-12-13
Company: Experian Information Solutions Inc.
State: IN
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 to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same.

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 2023-03-16
Company: SECURITY FINANCE CORP
State: FL
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-11-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had three loans particular loan with Sallie Mae. 

The disbursement date, per Navient is XX/XX/XXXX. 
Loan 2 was sold to an unknown servicer on or about XX/XX/XXXX and the amount was {$17000.00}. 

I elected to pay interest -- and did pay interest -- while in college. 

Navient charged {$4500.00} in capitalized interest on XX/XX/XXXX. 

The sum of those two XXXX. 

The loan was again sold, increasing the principal amount to {$23000.00}. 

Today, the account balance is {$18000.00}, in excess of the original principal, {$17000.00}. 

It is not known what the loan balance would be, accounting for payments and interest had the servicer not miscalculated. 

I kindly request your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, I have a cash app account where I receive my XXXX  check. I make purchases from this account quite often. Cash app is telling me that there were three transactions from XXXX in the month of XX/XX/XXXX, where the funds were not deducted from my account. So on XX/XX/XXXX when I received my next check they took a bunch of my money and left me with {$3.00} with no warning that this happened. Until after I inquired where my money went. I asked to sent my statement, which they did. But the statement they send was so confusing. Authorizations, declines, captures that its almost impossible to track my transactions. Ive been going back and forth with them for almost three weeks. Then yesterday XX/XX/XXXX a friend sent {$50.00} to my account, and they took that as well saying there was another transaction. I was able to find the transaction they were talking about but according to my statement it was already paid. And they wont give my money back or listen to what I have to say. I asked to speak with a manager but they will only converse through email. And wont listen to my complaints, and their responses dont even make sense. And the more I look at my statements I am finding more and more charges that have been taken out twice. But they wont even hear it out. They always have an excuse or a reason on why I am wrong. But Im not Im looking right at it. According to XXXX there are multiple people with the same issues and cash app isnt returning anyones money. Im not sure what to do next. Im low income and that is a lot of money to me. I have attached a pic of the last amount they took from me, that according to my activity tab on cash app it was completed. So why are they taking the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX Experian replied to my earlier dispute regarding inaccurate reporting from XXXX XXXX XXXX. Experian says the matter is unchanged. XXXX XXXX XXXX states that an account I had in XXXX was included in a recent bankruptcy. However, that is not correct. The item was completely paid in full in XXXX of XXXX with no late payments. However, Experian shows this is an item that is included in bankruptcy. How can this be true if the item was paid in full in XXXX. 

My report ( Experian shows timely payments with no lates and item paid off. But it also shows the same item as included in Bankruptcy. I requested this item updated or removed until update to no avail. 

The balance on this account was XXXX but the account was paid in full on 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