BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal see had accepted in payment on my behalf and made it available XX/XX/XXXX at XXXX per the instructions on my website. Waiting. PayPal then decided to extend my waiting period until XX/XX/XXXX. Nothing was sold on PayPal nothing was exchange on PayPal nothing w or exchanged or process in any manner on PayPal 's website the businessman they sent me a payment that they owed me from two weeks ago and PayPal felt the need to hold the funds without any XXXX even though the payment has cleared their systems according to their supervisor. On top of which PayPal charge me a hefty fe PayPal has lied numerous times customer service has supplied me with exact times and dates that the payment was going to be issued on however they keep changing the date in which they want to send me my money. PayPal is acting like an extortionist holding people 's an individual 's money without regard to the individual 's rights or laws. I hope to see if he be fines and investigates why PayPal finds it necessary to hold individuals funds when they conducted zero business on their website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I submitted a payment of {$40.00} from my XXXX XXXX account. Then on XX/XX/XXXX, I submitted an additional payment of {$140.00} from my XXXX account. My statement closed on XX/XX/XXXX, and I received it electronically on XX/XX/XXXX. My statement shows both payments posted and my available balance at {$170.00} as of XX/XX/XXXX. My account online showed my available balance as {$37.00}, and when I called, I was given the same available balance. The next day I called again after logging into my account and still not seeing the other payment, {$140.00}, showing as available. This time I speak with a CSR and was told that the 2nd payment would be available in the next 3 days. It was not so on XX/XX/XXXX, I called again and was told that he did not know why the payment was still not available, but it would be released tomorrow. I log into my account again today and call the automated system and still the {$140.00} is still not available even though my online account says it posted on the XXXX as well as my statement. Both payments cleared and posted to my bank accounts, {$40.00} on XX/XX/XXXX to XXXX and {$140.00} on XX/XX/XXXX to XXXX. It has been 15 days beyond the date of the last payment posting and clearing my bank account so there is no good reason for this payment to have not been made available at this point. Two different CSR people have not been truthful and have only told me what they believed I wanted to hear. I truly believe that they have no idea why it has not been made available, and the guy I talked to yesterday did finally admit that he had no clue. I believe, based upon similar consumer complaints, that I will not be able to resolve this matter on my own. I believe my consumer rights are being violated, and this is just not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX  and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: HI
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 opened a new account with Home Depot/Citi for a credit card in the fall of XXXX in the local Home Depot store. When signing up I was not asked for my address. Unfortunately the address Home Depot had on file was an old address. As a result I never received an invoice for that day 's purchase ( which I believe was {$66.00} ). Home DepotXXXXCiti did have my correct phone number on file, but never called me about the payment. 

Around XXXX of XXXX I was made aware that my credit report was showing late payments on the Home Depot/Citi account XXXX It had been long enough that I didn't even remember the purchase. I took it on myself to call Home Depot/Citi and ask why they were reporting late payment when I had never received an invoice. In the conversation we discovered that the invoice was sent to an address from 2 previous moves. We corrected the address over the phone. Home DepotXXXXCiti admitted that they never sent an invoice to my current address and cancelled the late fee and interest. I gave the agent a XXXX to make the payment over the phone. 

I then disputed the late payments with the credit bureau, however Home DepotXXXXCiti confirmed the late payments. I then called Home Depot/Citi and was told by the agent that the late payments will be removed from my record. I waited XXXXdays but the late payments did not go away. So initiated another dispute. With the same result. To date I have initiated XXXX disputes without any resolution. The first XXXX  times Home Depot/Citi informed me the late payments would be removed from record. But they never were removed. The XXXX time Home Depot/ Citi even sent me a letter stating that there have been no late payments on my account for the past XXXXmonths. And yet they still confirmed the late payments with XXXX. The 4th time I was informed by the agent that even though : the late payment was cause by Home DepotXXXXCiti 's failure to send an invoice to my correct address, that Home Depot/Citi never called me XXXX and that I paid the bill within minutes of being informed that there was and outstanding bill, that per federal law they are required to report my payment as being late. That is absurd. 

From my perspective I was never late on the payment because I paid it within minutes of being informed there was an outstanding bill. I feel that Home Depot/Citi should remove the late payments from my record and confirm that there are no late payments with the credit bureaus.

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 2019-09-19
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX sold my mortgage that was in good standing to XXXX I understand this may be standard practice but consumers should have a choice in who they pay to service their needs. XXXX has a list of fraudulent and unfair consumer practices. My complaint # XXXX. XXXX filed against XXXX has already be filed but I believe that XXXX XXXX XXXX should also be held responsible for dealing with a less then reputable company. My loan was in good standing, my payments all made on or before due date, my credit history is strong. I should have had a say in who gets my business. I should not be having a financial crisis because of a company I didn't authorize to service. This is not good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, Associated Bank put my account under review. I understand that this happens but I have still not been provided with a reason and the Account Manager, XXXX XXXX, has refused to answer any of my calls. It is XX/XX/XXXX and I don't understand why I'm unable to access my account without any information. This is extremely poor customer service. Further, I opened my account on XX/XX/XXXX and I haven't even received a debit card yet. When this matter with my account is resolved, I will be closing my Associated Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: North Shore Agency, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered one tube of XXXX advertised on TV. I paid XXXX for order by credit card. The company charged another order which I paid because the product was shipped to me. The company tried to charge a third order, and my credit card company cancelled the transaction. I did not receive the product. 
I called the company that I had agreed to receive more than one order. I called the number of the company and no one answered. My card company tried to call them also. I received bills for the product I had canceled. 
After many months I have received a bill from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXI 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 2022-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX is a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2023-06-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 explanation
Consumer complaint received 2019-12-13
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just changed my XXXX  mobile phone number four days ago and every day since than I have received a call from this company called Sequium Asset Solutions. I block the number and they continue to call from other numbers identical to the previous. This last time I called the number back to ask them to kindly stop calling me because the individual they was looking for no longer has the number they are calling which is how I know who this company is. Upon calling I was immediately greeted by a prerecorded message stating this number owes $700  plus for something, I remained on hold to speak to a representative but I was never connected and I hung up. I have no idea who had this number before me but I am not the person this Sequium is looking for and wish for them to stop harassing me. Calling everyday from a new number is annoying considering I just received this number from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I have a mortgage with select portfolio services since XX/XX/16 and have Never Had Any late Payments, currently Ive been paying $ XXXX {$400.00} weekly and currently my mortgage is not due until XXXX, my mortgage is currently {$990.00} Until I received a call from select portfolio escalation escrow stating that there computer did not direct the proper amount towards escrow causing a {$3000.00} deficiency, I could lose my home. I am XXXX XXXX XXXX on a fixed income and I should not be made to suffer because of there computer. XXXX XXXX offered NO RESOLUTION that would make me whole again instead of cause me a Hardship!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX, I requested my 3 credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within 15 days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.

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 2018-04-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In putting together it's response to complaint XXXX, Wells Fargo just sent me ( and my ex-wife, who isn't on the loan since modification and hasn't been involved in this fiasco since XX/XX/XXXX ) a letter explaining that although they hoped to have a response to me ( when in fact the response is due not to me, but to you, the CFPB ) by XX/XX/XXXX, it looks like it may take until XX/XX/XXXX. 

Given that we've caught them in quite the series of lies, that's fine. Lawsuits will wait. 

Here 's the thing : aside from the gravity of the underlying complaint, aside from their inability to put together a timely answer, and aside from the fact that they DON'T MENTION THE CFPB AT ALL, as if I'd merely called to inquire about the status of a loan application ( not shocking considering the esteem in which the hold the CFPB and the government ), the truly shocking thing is this : They sent the letter to the house from which they evicted me and my children. 

If there is any entity, individual, or consciousness ( poor choice of words on that last one ) that knows I don't live at XXXX XXXX XXXX, it is XXXX XXXX. 

There are truly, truly, no depths of ignorance and inhumanity to which WF will not sink.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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. 

PLEASE SEE ATTACHED LETTERS.

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