BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I sold an item on XXXX for the very first time. I recieved my payment for the item through Paypal because that is the only option offered to collect payment. When I received my money in my Paypal account {$91.00} or 2.9 % plus XXXX cents had been taken by Paypal in fees. At no time was I notified about the fee and it was never disclosed anywhere in the interface between XXXX and Paypay. I called XXXX and they verified that there is no disclosure to new or returning XXXX customers that states that Paypal will be deducting this fee, I also asked if I had any option other than using Paypal to collect the fee and I was told no. This is basically a forced fee since there's no other options to collect the money and they do not disclose the fee at all when you list your item on XXXX. I called Paypal today XX/XX/XXXX asking for the fee to be reversed because it was never disclosed anywhere on the XXXX and Paypal interface and the lady said that's my problem and that I should have read the small print whenever I signed up for Paypal. I signed up for Paypal YEARS ago. Nobody reads all the fine print and the way I typically use Paypal has no fees. It is not clearly stated or disclosed anywhere a consumer would actually notice it. The Paypal fee should be disclosed in a way that's easy to see and understand at the time you agree to collect payment through Paypal from selling your item on XXXX. This is a huge scam that I'm sure thousands of people fall for every day with absolutely no recourse. These big companies should have to be honest and forthcoming about the fees they charge which are astronomical and are based on a total percentage of a sale. In my case, the sale was several thousand dollars resulting in a huge fee that I never would have agreed to pay had I known in advance or had I been given any other option to collect my proceeds. Since XXXX and Paypay are associated they are completely abusing their clients by forcing them to pay an undisclosed fee to their sister company Paypal and giving them no other options but to use Paypal to receive proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}

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 2023-02-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Requested account information to be investigated and came back that information was accurate and it was not. I included a copy of the payment history and the error was not removed. Requested a reinvestigation inaccurate information still remains. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX, XXXX XXXXXXXX XXXX  Account # XXXX The above have violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

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 2023-02-16
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:
After several investigations in account XXXX Destiny # XXXX account, the credit bureau has failed to update my credit report accurately which is showing 90 day missed payment, which inaccurate and should show On time/paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS.

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 2019-12-19
Company: BB&T CORPORATION
State: KY
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 have called BBT 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at XXXX. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts, never applied for it. I never sign any contracts or agreements with this companies.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-14
Company: Experian Information Solutions 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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any XXXX affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ALL INQUIRIES ; LATE PAYMENTS ON XXXX XXXX LATE PAYMENTS ON 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 2018-12-21
Company: Experian Information Solutions Inc.
State: IL
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:
Note : This is my 4th Complaint with the CFPB about the same issue with Experian and I have Disputed this Negative XXXX XXXX account # XXXX Eight times. In my last dispute with the CFPB XX/XX/18 Experian emitted they Did Not do a proper investigation on the item I disputed. Experian have use they XXXX XXXX which is unacceptable according to the FCRA. I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. If Experian would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2020-01-25
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had Mr.Cooper and I was behind on my mortgage and I called to get assistance back in XX/XX/2019. I was told yes ; we will be able to help you. I provided all the paperwork they needed. Then XX/XX/XXXX comes around and it was flat denied because they said I did not have the loan for a year yet. I was already 2 months behind if I would have known that from the beginning then I would've found help somewhere else. Then again, I tried again in XX/XX/XXXX since by then I already had the loan for a year. They kept rejecting paperwork and every time I would call to ask why I would get different answers. Until AXX/XX/XXXX everything was accepted but then I receive a letter that my mortgage would be transfer by XX/XX/19 and I thought well I still have more than 30 days and it will process before it sent to XXXX XXXX. But nothing happen they never moved a finger or letting me know the status of the loan modification. Just overall horrible experience with them. No notes or nothing every time I would call, I had to repeat every time. If the calls are recorded, they should have more than 20 calls within last year. When the loan was transferred to XXXX they advised me nothing was done and that they didn't even receive the paperwork that I sent to Mr.Cooper for the loan modification so basically I had to start all over again. But the difference with them, they actually got everything done within 15 days and started my first trial payment till XX/XX/19. I called also in XX/XX/XXXX and XX/XX/XXXX to have the negative mark removed due to the incompetence and was told I was submitted but never received and email or letter letting me know of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted all of my PSLF paperwork back in XX/XX/22. MOHELA took over XXXX and stated in XX/XX/22 that my information was processed. In XX/XX/XXXX ', I received a letter that I surpassed my 120 payments and I emailed them to see when my balance would be XXXX. I was old up to 90 days. I also asked for a refund of payments I made with covid. Stated Treasurer can take up to 90 days. I get a letter today niw stating I have 119 payments with one to go. This is after I was assured through letter and email portal I made more than 120 payments. I am still working XXXX XXXX full time. I want my loan forgivable as promised.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX  XXXX bankruptcy Filed on XX/XX/2017 Reference number : 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 2017-07-14
Company: Smith & Smith Investors LTD
State: IA
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:
I called this company and wanted to pay the {$86.00} debt on my credit report. I wanted to pay it so they would take it off my credit report and this lady told me I owed over {$400.00} and she would take my payment but she would n't remove the derogatory remark off my credit report but XXXX reporting was coming up and she would place debt on there that I have no records of. So I hung up on her and am now wondering what else I can do and if this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment history.

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 2023-08-09
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 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 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 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 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 XXXXXXXX XX/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 2023-03-14
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The first time : I had autopay I turned it off I made my payment but this time from another bank account I received the Milestone credit card messages as paid after 3 to 5 days I check my bank to see if they had taken the payment but the money was still in the account contact Milestone they said they did not know but they had failed to pay a late fee but it would not affect my credit then the same thing happened two more times I changed the account and finally the payment was completed but Milestone in retaliation for closing the account for not solving the problems payment reported to XXXX late payment XXXX told me if they sent a letter saying they were not opposed to removing that from my credit XXXX would remove it but Milestone refused in retaliation for closing the account

Company response to consumer: Closed with explanation