BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: VA
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 hope this message finds you well. I am writing to submit a complaint and appeal regarding the permanent limitation placed on my PayPal account ( XXXX ). I strongly believe that this limitation is a result of a mistake, as I have not engaged in any activities that violate PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for several years, and I have always adhered to the terms and conditions outlined by PayPal. I have never conducted any transactions that go against your policies, and I have consistently provided accurate and verifiable information during my account usage. 

Regrettably, I was taken aback when I received the notice about my account 's permanent limitation. I have reviewed your policies thoroughly, and I can confirm that I have not violated any of them. Therefore, I kindly request PayPal to re-investigate my case diligently to rectify this situation. 

I understand the importance of maintaining a secure and trustworthy platform, and I fully support PayPal 's efforts in safeguarding its community from fraudulent activities. Nevertheless, I am certain that my account has been mistakenly flagged, and I am willing to cooperate fully with any investigation required to clear my account of any suspicion. 

Considering my longstanding history with PayPal and my commitment to adhering to your policies, I sincerely hope that you will reconsider your decision to permanently limit my account. Restoring my account would not only reinstate my access to essential financial services but also reaffirm my trust in PayPal as a reliable payment platform. 

I kindly ask that you give my appeal the attention it deserves and conduct a thorough re-evaluation of my account activity. I trust that your re-investigation will result in the reversal of this limitation, allowing me to resume my normal account usage without further disruption. 

Thank you for your time and understanding. I eagerly await your response and a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company LoanCare acquired my loan in XXXX. My loan is a principal and interest only loan. They received my first payment on XX/XX/2019 for the amount of {$870.00}. In XXXX, I received a bill for my principle and interest PLUS an escrow account for home owners insurance. I provided proof of home owners insurance, and they refused to refund my account and close my escrow. FINALLY, my escrow was closed, however, due to this issue, they are not crediting my on time payments appropriately, and I still have late payments and bad reports to the credit agencies. PLEASE look into this company. I am not the first or the last person that has had this issue. Look at their yelp reviews. They are sending me refund checks, all the while not crediting my payments appropriately.

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 2018-12-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Disputed debit card transaction with Chase Bank on or about XX/XX/2018 with a useless unhelpful individual with case number XXXX. This was for a purchase charged to the account in the amount of {$760.00} on or about XX/XX/2018 from merchant XXXX XXXX XXXX, as per the attached and per my phone call, this charge was paid for with alternate method of cash as per the attached paid receipt. Further, never signed for the purchase nor agreed/allowed the merchant to bill me for this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I received a credit card directly from a sit down at Citizens Bank in XX/XX/XXXX as they said '' pre-approved '' No verification of wages was ever obtained and they said that is not done on a pre-approval ... which i do not feel is true. 

I am on XX/XX/XXXX of {$11000.00} annually. I was issued a card for {$7500.00} Prior to and thereafter was hospitalized for my schizoeffective disorder and then went shopping and maxed my card. 

I have 3 other account which i owe nothing on and should of either been denied or given a lower amount if the credit check and income was verified. 

I can not afford payment and my mom has been helping to avoid crashing my credit. I do feel at fault even with my mania to pay the bill. 

I reached out in XX/XX/XXXX and was offered a payment plan and interest of 2.9 % for 5 years and then they said the account wasn't old enough to warrant a plan. 
So i waited until 6 months and sent in documents for hardship and my income again to be told the account wasn't old enough. I am trying to get a reasonable payment plan, interest or settlement. 

I called again today XX/XX/XXXX and was told to send in a hardship letter because the account is current ( because my mom is paying ) as i stated to not ruin my credit any further. 

I feel the bank was dishonest and inproper practices of card issueing. I would like the bill to be reduced to what i should have offered at application which is nothing or far less than the {$7500.00} i got. 

If they had done a verification of income i probably wouldn't have received a card bing that i have 3 other cards with available credit of more than XXXX total. This is concerning. 

Please help me make the bank responsible for their errors and for myself to get out of this mess. 

The process seems unethical and unfair and i can't anyone to help me. 

I explained that i know if it goes to collection they will not get any money as they can't garnish my social security. I stepped forward to resolve and they aren't willing unless i jump through the same hoops with the same answers and nothing being done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 paid two medical bills off, that I need to be deleted from my credit file. XX/XX/XXXX removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM XX/XX/XXXX ) AND XXXX ARE A BOTH A ZERO BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XX/XX/XXXX{$0.00} XXXX MEDICAL DEBT RELIEF ACT MIRAMEDRG {$0.00} XXXX DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of XXXX, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to XXXX before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.

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 2018-10-16
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:
Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to Experian and XXXX ... Experian and XXXX still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...

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 2023-04-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i sent in some paperwork the other week to clear up some mis information with JPMCB and it seems there has yet to be action taken. i need the misinformation removed from my report for all fairness. they are requesting absurd amounts of money that i am not liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: IN
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 paid two medical bills off, that I need to be deleted from my credit file. Experian removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM EXPERIAN ) AND XXXX ARE A BOTH A XXXX BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XXXX XXXX   {$0.00} XXXX MEDICAL DEBT RELIEF ACT XXXX {$0.00} XXXXMEDICAL DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of 2018, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of 2019, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the 2018 amendment noted above.

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 2023-06-02
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: Information belongs to someone else

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. Experian and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2020-05-04
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have contacted NetSpend several times beginning XX/XX/ 2020. I was not able to get through to any reps for 26 days, on the day I was able to get through I was repeatedly placed on hold for hour long increments. My stimulus payment was direct deposited to an old NetSpend account I no longer use. I have been trying to get NetSpend to merge the old account with the new account I opened with them in order to access my funds. I have not received any help with this matter.

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 2020-07-21
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-21
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ENCORE CAPITAL GROUP 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:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: AFNI 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:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: ONEMAIN FINANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I submitted an request to XXXX  to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to XXXX  to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from One Main Financial stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from One Main Financial stating there was insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit hard inquiry on my credit report from SYNCB/JC PENNEY to open a credit account. I did not request a Credit card or open line of credit from JC PENNEY. I have contacted XXXX and filed a dispute with them on my credit report. A rep at XXXX told me to file a report with the FTC/CFPB since I may be a victim of identity 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 2020-07-21
Company: Experian Information Solutions Inc.
State: VA
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21
Company: EQUIFAX, INC.
State: VA
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm getting numerous calls from national credit adjusters. I have never done business with them. They threatened me and I made a payment due to being scared. Now they are calling and calling and I've blocked them and they continue to call me. I called the company they state they are representing and let me tell ya they say there are several accounts and I'm like what?? But yes I called and the company said they have no clue who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
10-40 calls a day from Portfolio Recovery. They use deceptive tactics by using third party phone number service and uses a calling number similar to my number and alter the call Id to an actual name.

Company response to consumer: Closed with explanation