BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/19 I added a XXXX XXXX to my PayPal account and set it as my method of payment. I paid {$100.00} for an invoice through PayPal and they took an unauthorized payment for {$100.00} from my checking account and {$100.00} from the XXXX XXXX I have on file. I essentially lost {$100.00}. I sent an e-mail to PayPal asking for an explanation and to get a refund. The first e-mail was an auto-e-mail with no useful info. The 2nd e-mail stated that I have to call the toll free number and speak to a rep. I e-mailed them back stating that it is difficult to communicate with them via phone because of long hold times. I tried calling and was unable to speak to anyone after a couple attempts and 40 minutes of hold music. I have had issues with PayPal previous for unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-19
Company: Cordoza & Wexler Recovery Services
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an automated phone call from XXXX which stated to press 1 to speak to a person regarding debt. I reached a person XXXX who stated she was with XXXXXXXX XXXX XXXX XXXXXXXX company. She advised I had a debt with XXXX XXXX XXXX loan from 2012 for {$320.00} but with late fees and interest added on total owed is {$920.00}. When I asked her to verify the company address and or website so I could call myself before providing any credit card information she became rude and disconnected the call. I have received no further calls or any documentation in the mail advising of any past due debt or court documents of any legal action against me. I have paid my loan entirely with XXXX XXXX XXXX loan and owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WELLS FARGO & COMPANY
State: WA
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:
XX/XX/XXXX transfer bal. {$6500.00} bal transfer fee of {$260.00} 0 % interest for 12 mths XX/XX/XXXX transfer bal. {$2700.00} bal transfer fee of {$100.00} 0 % interest for 12 mths XX/XX/XXXX {$1700.00} bal transfer fee of XXXX XX/XX/XXXX transfer bal of {$6600.00} transfer fee of {$260.00} 0 % interest for 12mths Wells Fargo is applying all my payments to each bal instead of taking it off of my first bal from XX/XX/XXXX and deducting it and paying this off. This is not what it says online when you transfer. Only 12mths plus 4 % bal. transfer fee.

Extremely misleading and I called Wells Fargo and they said that they would no help me.

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 2019-03-11
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house was already foreclosed on and we were evicted. Thing is we paid XXXX XXXX   XXXX thousands and thousands of dollars to stop it but all they did was file repeated attempts for backruptcy then offered to buy our home and rent to us. Then the night before our eviction, our representative XXXX XXXX called and said nothing would happen, we were fine. Lies, because the sheriff evicted us. If XXXX had done his job he would have seen the assignments on 6pur deed were invalid. Now Mr XXXX has asked me for money to clean up our credit rating. Unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Old Republic National Title Holding Co.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
all parties involved did not stop the process of a lien costing me {$3000.00} and much more time from work and using unfair practices all parties enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
XX/XX/2019 capital one said I was late 30 days. I wasnt I even pulled up there bank statement showing where Ive paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX. My credit card was charged XXXX US dollar. and when I called the bank, they says it 's the system error they will give me refund.and they did give me the XXXX us dollar refund, but on the XXXX and the XXXX us dollar charge showed on my statement again.I called the bank ask for solution, they keep saying " It 's not your problem '', and they will investigate for me. I payed for the minimum on the credit for about two month, the debt collection company keeps calling me for the money that I " owned '' .This problem is not solved until today.

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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted a complaint about a new collection on my credit record. I have a receipt showing payment of the bill. I have submitted this information to XXXX three times. Every time I submit it, I receive " dispute open '' emails. When I try to view the progress, I am told the dispute does not exist. Today, I received an email saying my dispute was completed. When I tried to view the dispute results online, I get an error message. I called on the phone and they told me my dispute did not exist. I have emails which show I filed the dispute, and I have an email saying the dispute is completed. And I have a receipt for the amount that has been reported to 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 2023-01-29
Company: Upstart Holdings, 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:
UPSTART NETWORK INC.. conduct is misleading and deceptive the promissory note allegedly signed by me was not signed with my own hand and is fraudulent i completed a Identity theft affidavit with the FTC XXXX prove the the Note is fraud and UPSTART NETWORK INC. continues to report and attempt to collect this fraudulent account without verifying with first hand knowledge that i signed the promissory note also there conduct is extortion, usury and blackmail. I order UPSTART NETWORK Inc. Cease and desist communication with all credit reporting agencies in regards to this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 found incorrect information on my credit report with trans union and attempted to dispute it online- after creating an account and entering information, their webpage would not load ( tried on 2 different computers ). I clicked on the dispute by mail link to download form and there was no form to download on the page, only an address to mail it to. I used XXXX to find form on a completely different page, and downloaded it. I called the XXXX number and was told by an XXXX rep that they I couldn't dispute it by phone. I asked for a supervisor and was on hold ( for approx 10 minutes ). XXXX supervisor was impossible to understand, and he was having trouble understanding me- I asked to be routed to an English speaking rep in US- was on hold for another ( approx ) 20 minutes. Finally spoke with an english-speaking supervisor ( XXXX ), who was sorry that their website wouldn't work, but I can't dispute by phone. Trans Union is reporting obviously incorrect information and impacting my interest rate, while intentionally making it difficult or impossible to correct the record. The disputed items are 2 hard inquiries : XXXX XXXX ( I don't have and have never applied for a mortgage from XXXX ), and XXXX ( 2 hits same day for 1 card, obviously an error ).

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 2023-02-19
Company: EQUIFAX, 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:
Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 
1. XXXX dated on XXXX XXXX, 2023. 
2. XXXX XXXX  dated on XXXX XXXX, 2023. 
3. XXXX dated on XXXX XXXX, 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
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 recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The Huntington Bank is reporting a closed charge off account, I have sent a letter to Huntington Bank to correct or remove from my credit report. I have still heard no information from Huntington Bank. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I successfully filed for a credit freeze with XXXX  and XXXX online. When I tried to do the same with Experian, they insisted that I copy and send all this information by mail. It is a gross inconvenience. Also, their webpage directed me to XXXX so that opt out of receiving their third-party advertising. That webpage crashed.

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 2019-05-31
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: Account status incorrect

Complaint:
I got a new Credit Card with XXXX XXXX with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second  representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from Experian with 100 %  inaccurate information : Alert 1 - That XXXX XXXX reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That XXXX XXXX reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3XXXX That XXXX XXXX reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from XXXX XXXX have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-29
Company: SUNTRUST BANKS, INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 )  you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have  reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.

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 2018-07-19
Company: Global Credit & Collection Corporation
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter dated XX/XX/2018 from Global Credit & Collection Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Stating that my account XXXX, NA Card # Ending in XXXX has been placed with Global Credit & Collection Corp.I don`t have this account.I received a call from them last year saying the same story, I told them I have no such account.They wanted my Social Security #. Thats when I told them I am not giving you SS #. I asked them what Credit Card of mine do you have, would not tell me, need SS # .I finally got out of him it was a XXXX XXXX XXXX XXXX.Told him I have a XXXX account not that # .Insisted on SS #, That`s when I ended call. So today XX/XX/2018 I receive a letter that I owe $ XXXX.Current creditor to whom the Debt is Owed : XXXX XXXX XXXX XXXX, XXXX XXXX ID:XXXX XXXX XXXX XXXX XXXX I believe they are Phishing for my info. I have checked my Credit Report nothing on file, I have excellent credit. So they need to be reported and I need to know, Ido not want to talk to them I don`t know anything about this company other than they went bankrupt twice. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX XXXX XXXXXXXX XXXX. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both XXXX XXXX Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX XXXX ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.

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 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.

Company response to consumer: Closed with explanation