BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX and I have a PayPal account, made with this email ( XXXX ). On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I amin violation ofPayPal 's Acceptable Use Policy.I sell XXXX Accounts and in XX/XX/2020 I've got another limitation by PayPal XXXX and they asked me to explain my business and where the money are coming from ( RefID XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I amin violation ofPayPal 's Acceptable Use Policyor that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I do business and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not sellingstolen virtual goods. I am not sure if this is some mistake as I assume it has to be, or some automatically process.I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is reporting my five loans under sequence numbers XXXX as being closed with XXXX, XXXX, and Transunion when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, XXXX, and Transunion. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.

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 2019-06-04
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I sent several letters to Hunter Warfield trying to find out what my balance is since XX/XX/2019 and they never responded to me. I as to make a settlement offer and they won't respond. I always have the Post Office to send it certified because they have been holding unto my checks until the next month. I sent a check back on XX/XX/XXXX it was cashed in XXXX and I sent another check for {$330.00} on XX/XX/XXXX and they still have not cashed my check. I tried contacting them to find out what my balance is and I get no response from the person that I need to speak with. As of today, XX/XX/XXXX, I am waiting for my check to clear my bank and it hasn't. I am trying my best to pay this account off, but I am getting bad results with speaking to the company and with finding out what my balance is. The letter that I sent with my XXXX payment, they responded and I am being charged {$100.00} interest with late fees and sending my checks in every month on time. Can you please assist me with these issues I am having with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 am having great difficulty attempting to negotiate with Paypal credit they keep calling my phone relentlessly. I have explained to them that I had to leave my previous occupation to care for my mother. I am currently working a part time ( 15 hours a week ) minimum wage job and can not afford to pay balance they are requesting. They have refused to negotiate my debt and refused to honor a payment planned that was offered.

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 2019-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. PORTFOLIO RECOVERY ASSOCIATE CLAIMING THAT ORIGINAL CREDITOR : IS XXXX XXXX XXXX XXXX. I HAVE NEVER HAD AN ACOOUNT OR NOTHING WITH XXXX XXXX XXXX XXXX I DO NOT THINK IT RIGHT FOR A COLLECTION COMPANY PUT THIS FALSE INFORMATION ON YOUR CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied online for a personal loan from XXXX XXXX XXXX in XXXX, WI and they told me that they would only perform a soft credit pull to check my credit, but they performed a hard credit pull which resulted in an inquiry on my TransUnion credit report that I did not authorize. I would like the inquiry made on XX/XX/2023 removed, please.

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax XXXX and XXXX credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account with CitiBank on XX/XX/2020, under a promotion that I would receive {$400.00}. The promotion clearly stated that I would receive {$400.00} after keeping {$15000.00} total in my Savings and Checking Account. I had a total of {$15000.00} on XX/XX/2020. Two months later I reached out to CitiBank and they told me that I would receive the {$500.00} in XXXX. A few months after that, I reached out to Citibank again and was told I would be receiving {$500.00} no later than XX/XX/2020. Today, I called CitiBank since I have not seen the {$500.00} in my account yet. CitiBank said that I was missing some documentation, but could not tell me exactly what I was missing. I've been giving the roundabout too many times already.

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 2018-02-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX i had been search multiple sites to rent a house. One of the websites was XXXX XXXX XXXX which they gave me the code to enter the house located at XXXX XXXX XXXX XXXX, FL XXXX . I was able to go to the house, enter the code on the padlock so was able to view it without supervision. Shortly after I receive a call on my cell from XXXX XXXX who introduced himself as the owner of the property and had contracted this company to list his home for him. He stressed the fact he was out of town on business and since he was to able to be here, he contracted the company to help him rent the house. We then basically did an interview over the phone he was asking me about myself, my family, what i do for work, etc. I started to feel comfortable with him as he even prayed and got religious with me. He said he would help a single mother out by waiving the application fee, since my need to find a roof for my family was urgent, he would just have his attorney send me the lease, i would review it and sign it and send it back. Everything looked to be legit. He told me so he can get the water and electricity on for me right away, since there was alot of applicant 's looking at the house to send him the {$900.00} deposit. We used Zelle which I was not doutful becuase it was being done through my bank so silly me i get his Zelle info, and send the deposit. Then he asked me to send the first month 's rent as well later that day. So i sent only {$500.00} and the other {$400.00} i told him would do the next day which was XX/XX/XXXX after i went by the house and say the electricity was on. So i go by and i see there was, so i sent him the other amount for a total of {$1800.00}. Sow move in day comes and he doesn't answer his phone so I start to panic starting to believe i was scammed. He finally that evening told me since i disrespected him by leaving those messages he was not going to rent the home to me and would refund all my money. I dont get the refund, so i decided to file a claim through my bank. Which XXXX   denyed becuase i authorized the transaction 's. KNOW, here I'am out of {$1800.00} and nobody can do nothing. I have tried to file police report, but they wouldn't help me, my bank wont help me, i dont know what else i can do. I'am happy to provide any addtl neccessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ive banked with XXXX since XX/XX/2011 and they always charge {$12.00} for overdraft protection. Which is basically transferring money from one of my savings accounts to cover for shortages on my checking account. I made a mobile deposit on XX/XX/XXXX which got credited on XX/XX/XXXX, the same day a couple other payments got debited. And yet even though these transactions were supposed to leave with a balance of well over {$300.00}, I still got charged a fee for overdraft protection on XX/XX/XXXX!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2018-12-20
Company: EQUIFAX, 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 recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX instigated a foreclosure action on XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX ( copy of letter included here ) because they, as trustee, are not authorized to commence foreclosure proceedings. I also attached a copy of their own published booklet which states that the Trustee does not foreclose - but here they are doing exactly what they say they can't do. I have received no response to my letter.

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 2019-06-04
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed an online dispute with Equifax, and when i was emailed that the dispute was complete, i went to the Equifax site to view the results, I was unable to access my information. I was provided a phone number, and when i called in to speak to a live rep, she had trouble understanding what I was asking her. She then asked me a series of questions and told me that she was UNABLE to verify my identity and that i needed to provide Equifax with further erification of my personal information via fax. I found this to be odd since the information i had given her i knew was correct, so i have no idea who i may have been speaking with about my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: GA
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 recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX

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 2022-11-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX 2022, I rented two different AirBnBs. I tried to get my money back from both from AirBnB, I was denied. I filed two different chargebacks from my bank, Chime, and both chargebacks were denied. The paperwork Chime sent me claimed, " No error occured and the customer didn't follow the refund policy through AirBnB. '' However, I filed the claim through Chime on the grounds of " Bad experience. '' At one AirBnB, I got a bedbug infestation which was severe, and months later I'm still suffering. The host harrassed me and was very horrible. This was a bad experience and I got no compensation for my ruined clothes, or medication costs, or severe scarring on my arms and legs due to the bites. I submitted proof of the incredible horrible bites which also proved I was staying at that AirBnB, to Chime. I submitted plenty of evidence to Chime and still got denied with no chance to appeal. The second AirBnB, I was being screamed at by the male host ( I'm a single woman travelling alone ) and it was a serious safety issue which I have recorded on my phone. AirBnB made me stay another night there and refused to help me. I also requested my money back for this stay, as it was a bad experience. I submitted a separate email with the videos to Chime showing the harrassment of the man screaming and cursing at me, and Chime didn't even acknowledge them or me. They were planning to deny my claim the entire time. I want my full claim approved for both stays. I have been a good customer of Chime for many years now, depositing XXXX XXXX XXXX XXXX XXXX, and only ever requested one chargeback for under {$200.00}. I was literally a 3 day drive away from my hometown. I had no way to get back home until 2 weeks later as the first AirBnB made me rent another AirBnB which I had to pay in full. Then on the second stay, AirBnB told me to rent ANOTHER AirBnB instead of assisting me, so I definitely want my full amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX Shellpoint Mortgage Servicing phones were not working due to XXXX XXXX, thus, I was unable to make a debit payment as usual. I instead sent XXXX money money orders which was the correct amount, the next day returned receipt. The money orders were sent back. Since XXXX/XXXX/XXXX I have called XXXX frequently without results/resolution. XXXX XXXX attachments XXXX Now, my loan is in default because of my difficulties of communicating with Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with XXXX XXXX, is not reporting on my credit report. 
I would like for my mortgage to report to credit 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 2023-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a 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.

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 2023-05-17
Company: SLM CORPORATION
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 received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, Sallie Mae, XXXX, XXXX, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX due to the abusive and unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation