BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My technologically illiterate mother sent me {$400.00} on XX/XX/2019 through PayPal, but incorrectly sent it as " payment for goods and services '' rather than " sending money to friends & family. '' I noticed this and immediately issued a refund. However, PayPal kept their {$12.00} transaction fee and did not refund it according to a new policy that went into effect XXXX of this year, which states that PayPal does not issue refunds for any transaction fees. 

Although PayPal claims to have started notifying account holders of this new policy as early as XX/XX/2019, I never received this notification and their customer support confirmed they did not over the phone on XX/XX/2019. Therefore, I had no way of knowing PayPal had updated their refund policy. 

In summary, PayPal refuses to refund the {$12.00} transaction fee - on a transaction that was made in error and promptly canceled - according to a new policy about which they did not notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have enrolled in a Chase Private Client using a promo for XXXX $ bonus if I bring XXXX in new funds into a relationship. I have completed all the conditions- and even have XXXX as of XX/XX/2023 yet the bonus credit was just 2000 % which is XXXX $ short

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
We decided to stop using and close this Paypal Mastercard credit card because they made some changes to it and we didn't like the changes. Our last purchase using the card was around the middle of XX/XX/2022. I was waiting for the final payment date of XXXX XXXX, 2022 and then I was going to close the account. 
However, a fraudulent charge for {$59.00} was made on XXXX XXXX, 2022. I called ( they do not have an email, chat or other " papertrail '' type of service ) on XXXX XXXX, 2022 and disputed the charge. I then made full payment to them of the balance due minus the {$59.00} fraudulent charge. I kept checking on the website to verify the disputed charge and check on it. However, it still showed the {$59.00} charge and now it had late fees on top of that. I called again around the end of XX/XX/2022 and reiterated that I disputed the {$59.00} amount and how dare they charge me a late fee on top of that. I also made sure they should closed this account. They still show this {$59.00} fraudulent charge, the late fee and I'm sure they will start collections very soon.

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Applied to open a new Savings Connect account with CIT bank on XX/XX/23. My application was declined within a day. My credit score is excellent. I have a steady income, full time job that pays well etc.

I am not used to getting my applications declined.

I tried to get them provide an explanation, but was not successful.

I still can not wrap my head around it, and I believe I deserve an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-12-14
Company: EQUIFAX, INC.
State: AL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. Trans Union has a late in XXXX, XXXX has a late in XXXX, and XXXX has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a credit card / 2nd mortgage the previous server XXXX. The Superior Court XXXX XXXX XXXX XXXX Dismissed the case. This loan was apart of the global wide settlement with the Department of Justices. 
Its Ben 12 years since any activity on this debt. I dispute this debt. The loan was allegedly placed in a trust which as taken its losses. XXXX attempted to foreclose and the foreclosure was stopped about 9 years ago. 
I received a new Notice of Default from the new Server Specialized Loan Servicing and I am disputing this debt again. This was a XXXX and with definitely was apart of U.S.Global wide settlement.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of a consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. Accounts : XXXX XXXX, XXXX XXXX XXXX, {$600.00} XXXX XXXX  XXXX, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$590.00} XXXX XXXX  XXXX ; Inquiries : XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022.

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 2021-12-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to refinance my property for several months now and have been unable to do since my current mortgage company will not send me a copy of my forbearance letter which is needed to refinance. 

I have requested this 14 times and every time they say they will send it. It has not ever been received. Several times I have asked to speak with a supervisor, and the lower level people I am talking with tell me they can not do that and the supervisors do not take calls?? If they get paid to service my loan the least they can do is send me a copy of a mutually agreed upon form that everyone in there organization can see on their computer screen, but now one has the authority to send it to me? I have been handed off to several different departments and am always getting the same story. 

This is a company with bad policies that are not consumer oriented. I have been requesting this form since XXXX, and I am about to lose my second rate lock in a market where rates have increased dramatically. This is costing me money and a whole lot of time! I am hoping you can help me on this simple issue that should not have turned into a nightmare! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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 am writing to formerly dispute and request the removal of unauthorized hard inquires on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquires and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. $ 1681b ( PERMISSIBLE PURPOSE ). 

DETAILS OF INQUIRIES LISTED BELOW : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I believe that the inquiries made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C $ 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. However, they proceeded to make multiple hard inquires on my credit report 15 U.S.C. $ 1681bof the FCRA explicitly defines permissible purposes for accessing consumer credit reports. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organization in questioned did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Ability Recovery Services, LLC
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: Reporting company used your report improperly

Complaint:
Medical bill popped up in my credit report out of nowhere and I havent been to a doctor

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-09-29
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:
Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on 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 non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting 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:
Someone logged into my account EXPERIAN used my credit report to put soft inquiries without my consent. 

These soft inquiries are fraudulent, and I already filed a police report. 
Someone logged into my account unauthorized and did a soft inquiry without my knowledge.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS XXXX XXXX XXXXXXXX IS NOT MINE XXXX XXXX XXXX XXXXXXXX I NEVER HAD LATE PAYMENTS XXXXXXXX XXXX XXXX IS NOT MINE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE

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 2023-03-14
Company: Experian Information Solutions Inc.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-10-16
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This firm is trying to collect a debt from a payday loan which I have never obtained. Information provided in the letter states a place of employment that I have not worked for in over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, our Bank of America ( BOA ) accounts were compromised through the XXXX App by a woman unknown to us. I did not see any such activity until Saturday, XX/XX/XXXX. Upon opening my account, I told my partner and then, within 30 minutes, he saw that the same woman had taken money from his account. Neither of us received a phone call from the bank to confirm if we authorized the transfers. 
Immediately, I called BOA, but since it was Saturday, there was no one to talk to regarding this issue. We were told, however, to go to the bank to let them know what had happened. The manager told us there was nothing we could do until Monday morning when we could talk to someone in the fraud division. 
After talking to someone Monday morning, we were advised to close the account and an investigation would be ongoing. After 2 weeks of waiting for an answer, we received letters explaining why we would not receive our lost money. My partner lost {$1500.00} and I lost {$2400.00}. I have documentations of the reason. Neither my partner nor I authorized this woman to transfer the money from our accounts to hers. We also did NOT give her our passcodes or online IDs. We talked and talked to several people from BOA, but to no avail. We were not then, nor are we now acquaintances of this woman. 
I contacted XXXX then ( XX/XX/XXXX ) and was told they could do nothing but write a letter to BOA about the situation. BOA refused to relinquish the funds. However, I contacted XXXX again on XX/XX/XXXX after reading and hearing about other consumers who have had problems with XXXX. Not only BOA, but other banks as well were discussed in these articles. This time, the lawyer gave me your information and encouraged us to consult you and see what could be done. I have documentations of all that I described to you and can send them to you. 
Thank you in advance for your help in this situation.

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