BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXXXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: MoneyLion Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
MoneyLion has been reporting my account as a charge off ONLY AFTER i started another builder account with them. Now I am paying over XXXX $ in FEE 's and they just NOW said my account was charged off TWICE in XXXX & XXXX ... they lag SERIOUS TIME and waited till I am in debt with them for another credit builder account to XXXX me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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:
My PayPal account was limited for 180 days beginning last year following a transaction that I attempted to clear up with PayPal without any success despite availing all the requested documents. I resolved to wait for the 180 days which I completed but PayPal still denies me access to my funds as I can only withdraw the funds from a XXXX XXXX  account despite originating from XXXX. I have made requests to the company to permit me to use the banking option I was using previously or to link a local bank account but this has been unsuccessful. My PayPal email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX my car was hit by another car. My vehice was totaled and the dealership XXXX XXXX received a check for XXXX. I was told by the dealership in XX/XX/XXXX I still had a balance of XXXX. I recieved a 1099 C with event code of G. On my transunion credit report it shows 2 separete reports one for XXXX that is open and XXXX reported as closed. I have contacted both XXXX as to why there are two reports they say go to transunion, which says only that the report is correct with no explanation or report of any investigation. The car was XXXX when purchased in XX/XX/XXXX with payments of XXXX per month. I don't understand how the balance is the same as the report that was closed and the open report is close to the amount the insurance paid. When I pressed XXXX for answers they claim that the amount on the 1099 cancellation of debt is taxes owed on the car. This seems a little suspicious as I have never gotten any bills or calls from XXXX since XXXX when the car was declared totaled. I just want to understand 1. why they reported to the credit agency two amounts that are similar to the cancellation of debt and the amount they were reimbursed by the insurance company. 2 why the credit agency transunion can not explain why there are two credit reports. I have been unemployed ever since 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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXTexas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information

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 2021-04-05
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2021 my Shell gas card was canceled after I moved from my apartment to a house in the same state of Michigan. Ive been a idea paperless customer with them for 2yrs which I have never received a statement from them in the mail because I always paid online when I called them to correct the matter they stated the reason for my cancellation was because they stated their monthly statement was returned to them by mail because of unknown address, my local post office was aware of my moving but takes 2 weeks before changes go into effect I explain that to credit card company they said they cant reverse their decision once its been canceled I would have to reapply. I lost 2 yrs of perfectly paying my balances and my FICO Score dropped as well, I sincerely hope that you can help in this matter ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Step 1 : What is this complaint about?

Confusing and misleading advertisements around offers and benefits of AMEX.

Step 2 : What type of problem are you having? AMEX is not providing a {$60.00} credit that I am owed by using one of their offers.

Step 3 : What happened? 
Amex offered me an incentive to spend {$50.00} with XXXX and receive a {$20.00} credit ( up to 3 xs ). I accepted the offer and made the following purchases : XXXX XXXX {$52.00}, XXXX XXXX, {$81.00}, and XX/XX/XXXX = {$79.00}. When I reached out to Amex about the credit, I was told that I would receive the credit on next month 's statement becasue although the offer was used with your account, it was not purchased with the card with my name on it. This is a deceptive practice as they advertise an offer in my account and are not transparent about the terms. Since my wife is an authorized account manager, and cardholder through my account and the billing is merged, this offer should be valid.

Step 4 : What company is this complaint about? American Express ( AMEX ) Step 5 : Who are the people involved? 
XXXX from Amex XXXX from Amex XXXX XXXX from Amex

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.

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 2018-08-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
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 found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. 

I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been 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 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America purchased our loan during the Countrywide Scandal back in XXXX. We financed with coutrywide in XXXX. 

Bank of America sold our loan to XXXX XXXX XXXX in XXXX as part of 91 % dumping of mortgage notes that is against the law. Bank of America can only legally sell of 51 % of notes. Our was one of those notes sold. 

As a result of the countrywide scandal, Bank of America ( aka BofA ) advised us we were to be part of the Bank of America  Debt Settlement Program which compensated homeowners for the subprime mortgage crisis. We tried numerous times via telephone and letters to speak to them about this and become part of the settlement. 

Shortly thereafter all mention of this program went away, NOTHING was found, even the number I had in my phone was no longer a valid number. It is as if this program was a fraud and never proceeded for any of the homeowners involved who lost their homes rather than being compensated as BofA told consumers they would be. 

XX/XX/XXXX a certified letter was sent and received by Bank of America, XX/XX/XXXX, stamped signature, unreadable, requesting the following which we have never received : 1 ) Original Promissory Note 2 ) Deed of Trust 3 ) All loan documents to include financed amounts, payment history, etc, transferred from Countrywide 4 ) All correspondence  regarding the Bank of America Debt Settlement Program for homeowners defrauded millions in this scandal. 

During this process, a government loan modification was done to transfer our loan to a conventional loan from the predatory adjustable loan countrywide signed us up for that was not clearly stated, hence the debt settlement program B of A offered to those homeowners defrauded for millions. 

This was never done, it went into another adjustable loan. Then the loan sold as part of the 91 % selloff of notes illegally to XXXX, which is a separate complaint.

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 2021-04-05
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: Investigation took more than 30 days

Complaint:
DISPUTE HAS BEEN LONGER THAN 30 DAYS AND THESE ACCOUNTS ARE STILL REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX  XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX ACCT # XXXX 3. XXXX XXXX   XXXX  ACCT # XXXX 4.XXXX  XXXX  ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # XXXX So Experian doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud 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 non-monetary relief
Consumer complaint received 2021-04-05
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months 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. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against NewRez LLC c/o Shellpoint Mortgage Servicing. 
As of XX/XX/XXXX the principal balance was {$23000.00} and the mortgage does not mature until XX/XX/XXXX. I made a payment of {$17000.00} which was posted as follows on XX/XX/XXXX : {$920.00} XXXX XXXX payment not late ), {$920.00} ( XXXX payment not due until XX/XX/XXXX ) and {$15000.00} to principal. I did not complain about the posting format. 
This left a principal balance of {$6200.00}. I received my XXXX statement which is for the same amount {$920.00}. This payment does not reflect the new principal balance. I was trying to reduce my payment. if the principal balance were calculated based on time left on mortgage the payment should be less. I have contacted the lender the only way they allow which is by e-mail to no avail.Documentation attached. E-mail string attached in two different formats. Text document and Outlook format.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: GOLDMAN SACHS BANK USA
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
I was double charged by XXXX for tickets to the XXXX. I showed the Apple Card dispute that I was indeed double charged. I did not use the ticket and after multiple emails streams and disputes, my claim was still denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company is cash app they freeze my account with out contacting me letting me know anything they fail to ask for Verifiable ID an to respond to either of my emails I been contacting them for 4 weeks now an they fail to communicate back if some can kindly contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Because of the pandemic, my husband and I are barely getting hours at work. We called the mortgage company ( Rushmore loan Management services ) to ask if they can put a hold or move the payments back, they refused and said that if they were to do so we would have to pay a lump sum after the 2-3months hold. The whole point is because of financial hardship we called, so how would we be able to pay that lump sum? We have friends and family members who use other mortgage companies that work with them. This is just a disgrace and very upsetting. We can not wait to switch to another company.

Company response to consumer: Closed with explanation