BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$7400.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018. The account is in good standing and should not be reported as otherwise.

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 2021-05-06
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
my card was never received in the mail and was charged over 29000k in fraud and my phone was fraud ported over and this account i applied for was used, capital one claims zero fraud liability and there holding me accountable for these charges, i filed a police report and i filed a complaint with ic3.gov there violating my rights under the fcra and the fcba, i asked for the merchant responses and the signatures to verify those are mind since there claiming there mind they have refused to do that i spoke to XXXX and XXXX and there telling me thats not my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: TRUIST FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

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 2020-11-04
Company: Commonwealth Financial Systems, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or around XX/XX/XXXX, I contacted Commonwealth Financial ServicesXXXX XXXX XXXX  in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, CFS states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX. 

Unfortunately a XXXX XXXX XXXX XXXX of XXXX TX under the license of Dr. XXXX XXXX upcoded a visit for a simple UTI ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX XXXX XXXX XXXX XXXX  XXXX. ) Mr. XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to CFS and XXXX XXXX XXXX that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX  ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that CFS had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Improper Charges for Secret Home Equity Line of Credit I have maintained a mortgage on my home with Wells Fargo since XXXX. It has been refinanced through them several times. There was either confusion, or a difference of opinion, with respect to several aspects of a home equity line of credit associated with the account. In XXXX I refinanced at the request of Wells Fargo ( interest rates had dropped and they desired to preemptively pursue a refinance to maintain my account ). Wells Fargo claims I was advised telephonically of the existence of a home equity line of credit against the mortgage at the time of refinance ( specifically on XX/XX/XXXX ), and they say they have notes indicating I was so advised but can not share those notes with me. I say I was never advised of the existence of a home equity line of credit when I refinanced. The notes which they claim can not be shared with me can be shared with CFPB. It will surprise no one who has been reading the news to learn Wells Fargo subsequently billed my bank account, electronically and without my knowledge or consent. Wells Fargo owes me a full refund of the charges made against my bank account. If CFPB reviews these alleged notes and verifies that Wells Fargo has at a minimum properly documented they gave full advice and obtained full consent at the time, contradicting my recollection, I will fully and finally accept CFPBs finding and determination. If Wells Fargo doesnt have these notes, not only do they owe me a refund, but another review by regulatory agencies is in order.

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 2020-02-21
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to obtain a loan and my credit got checked. That's when I found out that this company XXXX XXXX XXXX is charging me with {$950.00} and it has been transferred to United Revenue Corp a collection agency. I have tried calling them no response. This is hurting my credit score and I really don't know what else to do. I have found other people with my same name. I always use my full name with my initial. This company has the same name but with no initial. I want this problem to be solved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I attend XXXX  XXXX University and will remain in school for some time. I have told SallieMae this on multiplayer occasions and they have acknowledged this. Using and auto dialar they call me several times a day, monthly. I have talked to several associates at the company to rectify this issue and they have acknowledged I am not on an automatic dial list but I still receive collection calls. I should be in deferment because my financial position, and enrollment position has changed since these loans disbursed. Sallie Mae is breaking collection laws by not removing me from on auto dial list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: HYUNDAI CAPITAL AMERICA
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:
In XX/XX/XXXX we purchased a XXXX XXXX. On XX/XX/XXXX the XXXX was totaled in a car accident. Our insurance, XXXX XXXX, paid XXXX XXXX XXXX via check. We were under the impression that the GAP insurance we received from XXXX would cover the additional amount - because that is what GAP does. XX/XX/XXXX, we were notified that we were given inadequate GAP insurance and still owed to XXXX. This means that it had been over 60 days since our last payment which was made in XX/XX/XXXX - I must also add that we paid in XXXX because we were told it would count against us but that we would not have to pay after while GAP was being sorted. We begin our payments - always over the phone via debit - because they shut our online account down. We had paid on time leading up to the accident, always online. We never received communication from XXXX XXXX XXXX in regards to what was owed until the payment was late by months - we were always unaware of what was left owed and would make payments when we were called. If I must add we were also in poverty at this time. 

From XX/XX/XXXX-XX/XX/XXXX we were consistently listed as current and on time with XXXX XXXX XXXX. In XX/XX/XXXX I realized that they were still on our credit although we had fully paid them off. I disputed this. Unbeknownst to me, XXXX then maliciously put us in " Charge Off '' status from XX/XX/XXXX-XX/XX/XXXX. This obliterated my credit score and ruined my chance of getting a mortgage. A company that has always put us as " on-time '' has ruined our credit after being paid. 

To top it off, in XX/XX/XXXX XXXX also approved us for a car loan at {$32000.00} price. We ended up going with another car, but for someone in " charge off '' status - a {$32000.00} loan seems odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently check my credit report on XX/XX/2021 and notice that Transunion was reporting some inaccurate information concerning tradelines, name, address, and job also XXXX  is reporting inaccurate information with my name, address, and job that needs to be corrected.

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 2021-05-06
Company: EQUIFAX, INC.
State: FL
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/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
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:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

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 2018-06-27
Company: Riverwalk Financial Corporation
State: NV
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:
My credit report just showed I owe XXXX XXXX XXXX. I disputed it on my credit report but XXXX says it's a real debt. I have never heard of XXXX and have never received any mail, emails or phone calls telling me why I owe that amount to anyone. I am rebuilding my credit and this is a setback. I have never signed any contracts or aware of anything to do with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: PA
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:
i called XXXX to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have XXXX XXXX XXXX, that have already been paid and has not been removed.. they mentioned it will take up to XXXX days to be removed.. please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX XXXX   : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX   XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX-XXXX XXXX  : XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX , XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX& : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX XXXX XX/XX/XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am refinancing My mortgage and have requested from TIAA the XXXX, XXXX, XXXX, And XXXX statements but to no avail they will not send the documents to me. 

My mortgage broker needs these statements to complete the new loan. Time is of the essence due to the interest rate lock is about to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Cogent Road, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I opened a XXXX Platinum card from American Express ( Amex ) with a welcome bonus of 60,000 Membership Rewards points after spending {$5000.00} in 90 days. I met the spending requirement within the first 50 days ( probably sooner ) after I received the card, but the bonus did not show up on my account. Therefore, I double checked with an Amex customer representative ( CR ) online and I was confirmed that the welcome bonus was attached to my account and I have met the spending requirement ( see attached screen shots ). 
A few days ago, I spoke to an Amex CR again as I still did not see the bonus being posted and I was told that I should have the points when I got my 3rd statement. However, after I received my 3rd statement, I still did not received the 60,000-points bonus. Thus, I called an Amex CR again about the same question, and then I was given a totally different story, saying that I was not qualified for the bonus because I had a similar product before. The product being referred to is Platinum card but not XXXX XXXX card. In addition, when I applied for the card I did not get the information and most importantly I confirmed with the representative that I had the welcome bonus and I would get the bonus. 

In short, 1 ) the spending requirement has been met within the required period ; 2 ) Amex confirmed me previously that I would received the bonus ; 3 ) Amex denied the bonus later when I called back.

I think this is very unfair to me. If Amex does not want to give me the bonus, they should inform me earlier or when I applied for the card or at least when I asked to confirm if I would get the bonus or not. This is a high-end product from Amex and the service is simply under my expectation. The whole experience is not what I'd expect from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We refinanced our mortgage with Amerihome ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on Amerihome 's end, we asked our bank ( XXXX ) to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided

Company response to consumer: Closed with explanation