BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: Shermeta Law Group, PLLC
State: MI
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:
Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX and I have been an customer w/ PayPal for many years. I received an email on XX/XX/2022 at XXXX a.m. eastern time stating that my PayPal account was permanently limited/ banned due to potential risk. The PayPal account was last used on XX/XX/2022 which was utilized as an payment method for an transaction. I do not sell goods, I do not own a business. My account is strictly personal usage only. I do not export or import goods, I do not send or receive money using the account. I am simply an regular consumer whom uses PayPal as a safety net when shopping online. There is only three reasons my account MAY HAVE been banned for : First reason could be that PayPal closed and initiated a new account for me on XX/XX/2022 due to my previous one ( that I used for years ) being created in another country which I was unaware of when I was XXXX XXXX military. Secondly, the mobile devices I use to access PayPal services automatically uses an VPN which triggers PayPal 's banking system of suspicious activity. Thirdly, I ordered an PayPal prepaid debit-mastetcard card and did not activate it as of yet, which is my legal right. 
For these reason 's my account should not be delayed for 180 days or permanently restricted to limited use/banned. I am in good standing across all PayPal platforms and have never attempted or thought to commit fraud or infringement against or upon PayPal 's terms and agreements of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion and XXXX has reported this on my credit reportXXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called Transunion, and XXXX about this inquiry, but the problem wasn't resolved.

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 2020-02-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 2019-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased home for {$39000.00} in XX/XX/XXXX. Refinanced in XX/XX/XXXX, victim of predatory and subprime lending practices. Paid mortgage for 12 yrs., eligible and received HAMP modification with XXXX then mortgage was sold to investor group ( s ). I continued paying even while mortgage servicing change to 3 different companies. Mortgage debt amount forgiven on ( - {$44.00} ) in XX/XX/XXXX. New Servicer : Select Portfolio Servicing ( SPS ) has mortgage with a balance of {$35000.00} with a mature date of XX/XX/XXXX! I have little equity, even though I have been paying off mortgage 22 years! do I have ANY recourse? What should I do short of foreclosure? Mortgage Holder : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX XXXX , NY Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX Loan # 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 2021-10-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent Equifax, XXXX XXXX XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates LLC have repeatedly called me at various times throughout the day from various phone numbers interrupting my carrer and my personal time. I have asked them multiple times to remove me from their call list. They keep calling me and asking for me by name. I have NO outstanding debt except for my mortgage, which is automatically paid each month and has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: AMERICAN EAGLE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We just bought a new house this summer. During that time, the home builder, XXXX XXXX recommended that we go with their preferred lender, XXXX XXXX Mortgage. Within 30 days of closing XXXX XXXX finally gave us a locked in mortgage rate, which was a XXXX percent higher than my regular mortgage lender, but at that time, we were within the 30 days of closing. XXXX XXXX then said we could n't change lenders because it was too late. My issue is the by the time we finally got the higher rate and higher closing costs with XXXX XXXX, XXXX XXXX would not us allow to go with another lender. In the end, my mortgage rate is higher by .25 % and closing costs ( $ XXXX XXXX as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: SUNTRUST BANKS, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My tenant, in Florida, deposited cash to suntrusts ( Holiday branch ), night deposit box mid XXXX and again mid XXXX. What we didnt know was that suntrust stopped allowing cash deposits in XX/XX/XXXX. I contacted the holiday branch of suntrust and spoke to a rep, told them my problem. That I am in the XXXX and not in the USA until XX/XX/XXXX at the earliest. Since I spoke to a rep over a month ago, they have done nothing. No returned emails, no phone calls, no letters. Nothing. The amount was 2 deposits of {$700.00}. {$1400.00} in total. On the deposit slip was my XXXX XXXX, fl, account number. 
Suntrust knows 100 % what has happened but are sitting on my money deliberatly and not transferring it from the Holiday branch to my account in 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 monetary relief
Consumer complaint received 2019-06-16
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: Account information incorrect

Complaint:
XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXXXXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

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 2020-02-17
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for and received a personal loan From One Main Financial a couple of years ago. The loan amount owed is {$3400.00} I've been making monthly payments and the balance remains the same. 

This seems to be a predatory loan. The balance seems to keep increasing, and when I make my monthly payment of XXXX, they only seem to credit up XXXX dollars towards the loan so the balance never decreases. 
I don't have paperwork in this loan it was signed electronically in their XXXX New Jersey office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-06-18
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi and to whom it may concern : I just finally got off the phone with Risk Management team member XXXX at First Progress Card on an alleged 2nd card that apparently shows on my credit report without me ever applying for or put a secured deposit for it. After 61 minutes with her today in regards to this, she confirmed that for some odd reason when I open the card that I have now a few months ago, then the 2nd card was mysteriously open but NEVER sent. However, she said that First Progress mistakenly reported to the credit bureau that I never paid the annual fee for 2 consecutive months which was on the card that I NEVER APPLIED or RECEIVED. I'm in the process of buying a home for my family and my credit has taken a huge hit in the last 2 months and I'm in the verge of NOT closing on the loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were approved for a trial plan last year with Ditech. our 1st trial plan payment of {$640.00} was due XX/XX/XXXX. when we called on XX/XX/XXXXto make the 1st payment we were told by Ditech they would not accept the 1st payment because our loan had been sold to XXXX XXXX We then called XXXX XXXX to make the payment and we were told by them they could not accept our 1st payment because the loan was still being transferred. we received a letter from XXXX stating the transfer was completed on XX/XX/XXXX, I called again to make my 1st trial payment and again they would not accept my payment because it was not the full amount. I explained to XXXX we were approved for a trial plan. From my understand when a loan is transferred all terms of the loan are transferred as well. XXXX should have honored the trial plan I was approved for. XXXX ID # XXXX is who I spoke with from XXXX XXXX would not accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit inquiries on my report that was not authorized by me. I've ask for these to be removed and still nothing so next I will file a lawsuit

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 2022-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX XXXX I received a mortgage statement from Citizens Bank which indicated I might have a shortage to my escrow. 

Subsequently, I sent in a check to cover the deficiency and added notes onto the check to make sure that the extra payment would be applied correctly. It was not, even though they set me up on auto draft. 

Having had issues with Citizens Bank regarding my tax information last year, I'm inclined to reach out in hopes to get this corrected. 

As of recently, I've been sent several late notices, which has added extra expenses, fees, lost time, and undue stress to my busy schedule, although my issues date back way before this period. Since XXXX, I've called Citizens at least 5 times to get the issue resolved, and as of today, this issue has still not been corrected. As you can imagine, this has been very stressful, and I believe this to be very unfair, and slightly deceptive from Citizens Bank and would appreciate any help looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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 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 : XXXX 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Bread Financial Holdings, Inc.
State: WA
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 home sick with XXXX, and haven't been to work. So, I received a phone call from XXXX XXXX  about my XXXX Credit Card. They told me, that my account is 90 days past due. I told the representive that I couldn't make a payment until XX/XX/22. I have not received my credit card statement in the mail, or via email. The last statement in email is from XXXX of XXXX. The representative told my whole balance was due of XXXX without an invoice, or a letter. 

I asked for a letter, and she refused saying that my entire account balance was due. I have not received my statements, and she kept stating yes I have, and that the letter is my statement. i know my right under the Fair Debt act. So, again i asked for a letter, and she said No. 

I did pay XXXX online today to hold my account, until i get to work, after having XXXX. 

I don't remember making a promise to pay by a certain date, which she stated as well. Knowing that I haven't felt well, I might've made the promise to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
12 days ago I discovered that my Direct Express Debit Card had been hacked and every single penny was gone. I spent 2 hours on hold before I was finally able to speak to someone. The thieves stole over {$8600.00}! All the purchases were made in Washington D.C., Virginia and Maryland and we live in Texas. This money is for my XXXX XXXX granddaughter. It's her survivors benefits from the loss of her Mother in XXXX. I had saved the majority of her funds so that she will be financially stable when I am no longer on this earth to care for her. I have heard absolutely nothing from Direct Express. I called them again on XX/XX/XXXX and spent another 2 hours to just get a standard spiel from the person on the phone. I was under the impression that they only had 10 days to return the funds. Please help us to resolve this issue. I went to Social Security and her funds will now be deposited into a bank account. I have read so many horror stories about this company! Why does the government still use them! I rarely use this card so I know the number had to have been obtained through Direct Express.

Company response to consumer: Closed with monetary relief