BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm a veteran, In XXXX I took a huge pay cut, I have a mortgage through Bank Of America and was forced out due to foreclosure threats from them. I did make an attempt to file a deed and lieu, and sell the house, but BOA declined all offers to help. After 10 years of this, and 7 years of renting in another city, I applied for a VA mortgage to buy another home i'm being told that the deed in lieu was never filed by BOA. I'm thinking it is ok to buy another home, but that is not the case. I'm looking for someone to look further into this issue for 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 2020-10-21
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2017-12-19
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: Account information incorrect

Complaint:
I was dismayed after I ordered my Equifax, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company on today 's date in reference to this unfamiliar debt. I told then I was a Victim of Identity Theft and I filed an Identity Theft Report with The Federal Trade Commission as well. They refused to validate the debt and tell ne what the Debt was for. 

I've also attached a Copy of The Identity Theft 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 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
good Afternoon, XX/XX/2020. 
I am reporting severe deposit, withdraw and posting and avalible funds issues due to victimization of abuse of power and raquiteering of my idenity. I Request my financial benefits posted and available legally as indicated by international law. I also request my contranct to be honored

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 2020-11-17
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I had a dispute with a business owner of XXXX XXXX XXXX, Venmo user @ XXXX, over goods sold on Venmo 's XXXX feature that were not as described. I filed a chargeback, Claim # XXXX, with XXXX XXXX and Venmo accepted the disputed amount on XX/XX/XXXX for {$3200.00} from three transactions that were disputed with @ XXXX. 

I received an Email from Venmo on XX/XX/XXXX stating that I owed {$3200.00} for a negative balance on my Venmo account, the reason being that my bank would not cover it, specifically that it was " Returned at XXXX XXXX 's request ''. I reached out on XX/XX/XXXX to Venmo customer service explaining that XXXX XXXX is not my bank and that the information in the E-mail is incorrect since the {$3200.00} was disputed not returned, and that Venmo did not deny the chargeback from XXXX  XXXX. 

I received a response from XXXX XXXX on XX/XX/XXXX that reiterated Venmo 's terms and conditions and said they could not do anything about the disputed amount, I would need to pay it to unfreeze my account. I received another e-mail from Venmo collections threatening to collect a debt for {$3200.00} on XX/XX/XXXX. 

My complaint is that Venmo user @ XXXX is equally responsible for the disputed amount for repeatedly violating Venmo 's terms, and that Venmo is not doing enough to prevent merchants from abusing payers through their platform. On the venmo site, it states that " If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo. '' However, based on my interactions with Venmo, money transfers are not being reversed while full responsibility is being placed on the payer, despite the payee 's equal involvement with the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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: Account information incorrect

Complaint:
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}

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 2020-10-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I disputed a XXXX XXXX XXXXXXXX account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my Experian credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.

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 2021-03-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information XXXX EQUIFAX XXXX XXXX XXXX XXXX. I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was checking my credit report and saw several accounts I never opened. I provided 2 proof of my ID to proof my identity.

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 2020-07-07
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:
i have contacted both Equifax and XXXX  every month and have outlined that there is an account that was fraudulently opened under my name. i sent them the police report and the address where i was living at the time when the account was opened. the information that the bureaus are reporting are incorrect and i have been disputing this for several months already and they do not want to remove this incorrect information EVEN with a police report! how is it that XXXX  took it off because they saw that it didnt belong to me yet Equifax and XXXX  still manage to say that it belongs to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Paypal Holdings, Inc
State: GA
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 XX/XX/2019 I received a payment in the amount of {$590.00} into my PayPal account. On XX/XX/2019 I received another payment for {$12.00} and the final payment of {$290.00} on XX/XX/2019. 

I made several attempts to withdraw the funds from Paypal to my bank account and all the transfers were denied. Paypal requested copies of documents verifying my identity. 

On XX/XX/2019, I provided a copy of my drivers license, phone bill showing my current address, and a pay stub showing my current address and my social security number. 

On XX/XX/2019, I received an email from Paypal advising that my appeal had been denied and that they were holding my funds for 180 days with no explanation. They offered me the option to refund the money to my " buyer '' and explained how to process this refund in the email. When I logged into my PayPal account, there was no option to refund the money and no other information explaining the reason for this unjustified hold. 

I spoke with a PayPal representative on XX/XX/2019 who advised that she could not provide me with any information for the reason for the hold, and there was no way to have my funds returned to me. I advised that I would be filing complaints with the regulatory agencies governing PayPal as this hold is unjustified and untenable. I do not sell services or products online, I do not have any chargebacks or negative feedback, I do not owe monies to Paypal, and I did not receive the payments as a result of a product sold. 

They advised that I could not speak with a supervisor and that this hold and account closure were final. 

On XX/XX/2019, I sent an email to Paypal 's executive team and the appeals department advising that if my funds were not disbursed to me by XX/XX/2019, I would be filing a complaint with all applicable regulatory agencies and I offered them the ability to cure of which my emails were not responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About a week and a half ago my bank account was hacked. Someone emptied my bank account by sending money to themselves with XXXX. I called chase and told them what happened and they refuse to refund me for the stolen funds of {$500.00}. This is unacceptable and I can't believe that they are not going to refund me for all of the money stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
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:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

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 2019-03-03
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and there was s derogatory mark place on by a Company called Midwest Recovery Systems, which I have never heard of or received any type of communication from. The company they are supposed to be XXXX XXXX XXXX, which I have never done business with, and they don't even exist where I live. I am trying to have the derogatory mark removed from my credit report, it affects it adversely. I also filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over XXXX dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact Ally Bank. Ally Bank sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and Ally Bank accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with Ally Bank. To no avail, Ally Bank is suing me for deficiency of payment. Ally Bank has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. 

How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both Ally Bank and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.

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 2017-12-19
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX.  The details of that email will be enclosed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data  breach  and may have gotten into the hands of the wrong person.

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 2017-12-20
Company: Experian Information Solutions 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:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - XXXX XXXX and Experian - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

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 2021-11-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I made application for a credit card at Lowes. The information indicated that since I did this online, all I needed to do was to make my purchase and go to the Customer Service desk and they would process the transaction and use the credit card which would give me 5 % discount up to certain amount of the purchase and a 20 % discount up to a maximum of {$100.00}.

I made a substantial purchase totaling {$6500.00}, went to the Customer Service desk as required and was told my application was denied. The person at the desk tried to make application for the card again, but it was denied again. Obviously, I was a little confused/not happy, because I know my Credit Score is in the area of XXXX and have an impeccable payment record. She told me I would be receiving an explanation as to why I was denied. 

The letter I received from Synchrony Bank on XXXX XXXX is in the attachment. 

All of the reasons given in this letter seem to me to be reasons to accept my application. 

I called the phone number on the letter to find out what the issue was with my application and was inundated with a sales push from XXXX to get me to use their services and was told they will send out a letter in 15 days to explain why I was denied. I am assuming it will be the exact same information that I already received from Synchrony Bank. 

I purchase a lot of product from Lowes since they are 10 minutes away from my house and would like to take advantage of the discounts offered by having their credit card. 

This is the first time in my life I have ever been denied credit for anything.

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