BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made 2 bill payments with Paypal on XXXX XXXX using my personal account XXXX with phone # XXXX, one in the amount of {$150.00} and the second one in the amount of {$90.00}, file uploaded. When I made the payments they showed up successfully. When I contacted Paypal today because payments are not showing with the credit card provider, they told me they only showed one transaction for {$150.00} as denied by my bank as insufficient funds. I had money in my account at the time the payments were made and that money is still sitting in my account. I have a statement from my bank also stating they never receive a transaction from Paypal, file uploaded, therefore the transaction was denied, Last month the same thing happen, but they stated it was denied by credit card company, and shortly thereafter sent me {$50.00} as a courtesy for rejected bill payment. 

Paypal system is costing me! My credit card payment is due by XX/XX/XXXX and I will suffer late payments of {$29.00} per account as well as a dig on my credit, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: CT
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:
EXPERIAN IS REPORTING A FRAUDULENT PHONE NUMBER ON MY CONSUMER CREDIT PROFILE. I HAVE REQUESTED SEVERAL TIMES FOR THIS FRAUDULENT PHONE NUMBER TO BE REMOVED BUT EXPERIAN IS BENT ON VIOLATING MY RIGHTS UNDER THE FCRA GUIDELINES BY REFUSING TO COMPLETELY DELETE THIS PHONE FRAUDULENT PHONE NUMBER FROM MY CONSUMER CREDIT PROFILE EVEN AFTER SEVERAL REQUESTS BY MYSELF TO HAVE IT DELETED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA GUIDELINES AND REPORTING A NUMBER THAT DOES NOT BELONG TO ME ON MY CONSUMER CREDIT PROFILE CAN SUBJECT MY TO IDENTITY THEFT. 
I HAVE ATTACHED A COPY OF MY MY MOST RECENT CREDIT REPORT AND A SCREEN SHOT EVIDENSE OF THE ITEM IN QUESTION. XXXX IS NOT MY PHONE NUMBER. DLETE THIS NUMBER IMMEDIATELY.

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 2019-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
repeatedly attempted to reach portfolio recovery associates about a incorrect account on all 3 of my credit reports. I am not getting a response and the information is stopping me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hey, I had a account with chime and I deposited a XXXX XXXX loan from the company XXXX to the chime account because the chime account was approved by the loan company the loan was deposited on XX/XX/2021 for {$35000.00} on XX/XX/2021 they closed the account with {$10000.00} left in the account and said it was being closed due to the deposit of the loan and they wanted me to explain the loan and verify myself and they will send me a refund check in the mail in 30 days if Im verified. So I did receive a check in the mail on XX/XX/2021 with only {$300.00} dollars from the account. I instantly emailed them back and told them I only received {$300.00} and theyre member service team replied saying sorry about the inconvenience we will send you another check in the mail containing the XXXX and we will expedite it in 10 days. Its XX/XX/2021 and I still havent received a tracking number or my refund from chime so I emailed back after the 10 days now they are saying my account is closed due to there internal policy I dont know what to do chime is taking of Advantage of me Im a young man I take care of myself I have bills to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls from Conns home plus every day. They call every hour from XXXX XXXX to XXXX XXXX. I have told them several times to stop calling me so often. I have tried in the past to block the number but they keep calling from different numbers. Now I just ignore the phone call but they still call every hour. I have told them before that I was not working and was unable to pay but that has not stopped them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Some one took out a card in my name .I was unaware until I got court papers one a card I never sign or ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS

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 2021-03-24
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TIAA bank will not offer a loan forbearance too, as I am entitled to under the cares act. They all of a sudden said a new company owns my Mortgage. A company called XXXX  XXXX  with over 5000 complaints on the consumer financial protect office. 

They refuse to offer a forbearance. My credit is going to be ruined like the 5000 other complaints you have received. They have a policy where humans do not pick up a phone call. Awful company TIAA and XX/XX/XXXX is. They are ruining everyone 's credit with their incompetency. 

I have reached out to them 42 times trying to get a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I was called and offered a settlement on a debt for less then owed. I agreed to do it if they removed the collection from my credit report vs just saying it was paid. They agreed but once payment cleared they only updated it and refuse to remove it from my credit as promised. I feel it 's fraud.

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 2021-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and XXXX but not from Experian. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

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 2021-09-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and am disputing some items that need to be deleted. I According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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:
I alerted Coinbase that a portion of my money was missing ( ~ {$4000.00} - I believe but hard to tell without access to balances ). They froze my account for months with no resolution. After 3 months they said they accidentally wired me too much money once and thats why the account was frozen. I asked for supporting balances and transactions to substantiate their claim. No response. Then one day a month later my account was unfrozen but money still missing. I withdrew remaining funds and decided to just accept that some of it was missing. A few weeks later I bought new coins and my account was restricted immediately after the purchase. Essentially I could buy but not sell or withdraw. I cant get my money out. Ive called support many times and emailed them and have been told thats telephone support cant help me but they will escalate. Its been escalated for 6 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to XXXX, XXXX, and equifax, to remove account : XXXX XXXX XXXX under account number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Nelnet, Inc.
State: TX
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:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and Great Lakes, my loan servicer to update the record but it has not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent payment using PayPal credit when the payment was requested from me I inadvertently created a duplicate transaction upon realizing that. I notified PayPal that the second transaction was only a duplicate. and it not to been processed. I later found out that the first transaction was not paid to the recipient. so the recipient has not received any of the payment. 1. PayPal has failed to accurately update my account to one reflect the cancellation of the duplicate and 2. PayPal has failed to refund the transaction that the recipient was not able to get. so now I am being charged interest on to {$400.00} transactions which have gone nowhere because the recipient has not received the authorized 400 plus the cancellation of 400 which was a duplicate and PayPal is not canceled the payments and I am being charged interest for almost 2 months yet the funds have not been paid to recipient, the other {$400.00} amount is a duplicate which I requested to have cancelled and it too has not been cancelled causing me to accrue interest unnecessarily.

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 2020-02-26
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I refinanced my home loan with XXXX XXXX XXXX XXXX. My refinance closed on XX/XX/20 and my first mortgage was paid off on XX/XX/20. As of this date I understand that my mortgage servicer, roundpoint mortgage servicing corporation, has 30 days to refund the balance of my escrow account to me.

As of XX/XX/20, 21 business days later, I have still not received my escrow balance of my first mortgage. I called roundpoint and was told they processed my money from my escrow account on XX/XX/20 and that it will be a minimum of 20 business days for me to receive my money which they are holding. This is well beyond the 20 business days set forth by regulation 1024.34b they are legally allowed to hold my 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 2019-05-15
Company: EQUIFAX, INC.
State: TN
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 have been trying to obtain credit from my bank for over 3 years. Each time to try to get my Credit Freeze Lifted my XXXX XXXX XXXX XXXX XXXX claims that they can not obtain my credit information. I get tricked into giving them my Credit Freeze Pin Number : and my credit information is being manipulated. I have been trying to work with Equifax Credit Reporting Bureau, however this company seems to not be doing a good job monitoring my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and  removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
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 non-monetary relief
Consumer complaint received 2021-02-13
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XX/XX/XXXXcould not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation