BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
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:
Back in XX/XX/2017 XXXX, XXXX and Transunion made updates when it comes to how items such as tax liens appear on credit reports. I waited for about 2 months for something to happen, XXXX  on their own removed the 2 tax liens on my file, for XXXX I had to request a dispute, and the results removed the 2 tax liens from my XXXX credit file. Now, after filing 2 disputes online and 1 over the phone with Transunion, they still have not removed these 2 tax liens. I do not understand why, if the same information is getting reported to all 3 credit bureaus, why is Transunion not removing these tax liens due to the new requirements for these types of public records when the other 2 credit bureaus have followed the guidelines. all my information is the same on all 3 credit files. I would like these removed as soon as possible as XXXX and XXXX have already done 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 2018-12-13
Company: CORELOGIC INC
State: IL
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:
I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX  and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company.

XXXX date of inquiry :XX/XX/XXXX CoreLogic XXXX date of inquiry : XX/XX/XXXX XXXX date of inquiry :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 explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: OK
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 has targeted me as a XXXX and has engaged in a campaign of denying me access to my Paypal Wallet and the money that I have stored there.

Paypal first refuses to remove an old number so that now I can't complete id verification by Mobile Smartphone.

Paypal has now locked my account. They demand a document, but won't specify what document is required ( the email explaining what they want was not ever recieved at primary email address on record with Paypal. ) Paypal has purposly denied me access to my money and have omitted key required email necessary to complete id confirmation in a deliberate attempt of seperating me from my account for political reasons. 

XXXX XXXX XXXX ( former cell now disconnected. ) Please help. 

Sincerly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: Neighborhood Assistance Corporation of America ("NACA")
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Regarding : Personal data stored by NACA To Whom It May Concern : I am contacting you in the hope that you can assist in my efforts to secure my personal information being held in the database of The Neighborhood Assistance Corporation of America, ( NACA ). 
I had been working with The Neighborhood Assistance Corporation of America ( NACA ) starting in XX/XX/XXXX until XX/XX/XXXX of this year, trying to get their assistance with their XXXX XXXX XXXX  promise. After several unfruitful meetings where my service agent did not show up, promises of telephone consultations that were not fulfilled and lack of communication and follow-up, I decided to sever my connection with this organization and seek financing elsewhere. 

I have made several attempts to get my personal information removed from the database and website storage of The Neighborhood Assistance Corporation of America ( NACA ) including emails to the XXXX office manager. ( I had a web conversation with a service agent on XX/XX/XXXX as well, who said she would resolve this issue. ) While it appears that I may be able to delete some of my personal information myself, other data still shows in a format inaccessible to me. As of this date, my personal and financial information still appears when I log on to their web site, https : //www.naca.com/. ( Our NACA account # shows inactive, but is still valid to log into the website. ) I am hoping that you will have some avenue of contact and influence in this matter of securing and removing my personal data and financial information from this company. I am concerned, due to the manner in which they dealt with me, that my information might be vulnerable, or shared in an inappropriate manner. We have already had an issue with our credit reports due to the handling of our information and would like to prevent any future problems. 

Please let me know of you are able to help or if you know of another avenue we should pursue to achieve our goal.

Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2018 I sent a letter to the company stating that they were Inaccurately Reporting to Credit Bureaus’ XXXX and XXXX by showing that the account was still actively "open". When the account shows open this creates a derogatory reporting every month. The reporting shows that the account was included in the BK but still shows "open"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In a statement from The XXXX for XXXX XXXX, it said the balance on my account was {$530.00}. It also stated the payment due date was XXXX XXXX, XXXX. My payment in full of {$530.00} was received on XXXX XXXX, XXXX. The payment was made over XXXX weeks prior to the due date. This should have marked my account closed. 
On the back of every statement from The RoomPlace, there is a section stated " HOW TO AVOID PAYING INTEREST ''. It states : " Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment, or Budget Payment Credit Plan from the date of purchase '' However, The RoomPlace charged a {$3.00} interest charge that is on the XXXX XXXX statement. No explanation was given. In every previous month 's bill, there is an Interest Charge Calculation that shows how the APR is determined. No interest charge calculations were given on the XXXX XXXX bill. 

I opened a piece of mail today XXXX XXXX, XXXX stating I now have a balance of {$53.00}. I checked my credit report and The XXXX has now marked my account delinquent for the previous XXXX months. An error in billing by The XXXX required me to talk to three different people. No error was admitted. They called it a " floating fee '' that showed up. I explained that it was clearly charged as an interest fee after the full amount was paid. The step I am at currently is that the charges are " under dispute. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from XXXX dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at XXXX. I do Not owe this debt and certainly would not agree to pay it. Sallie Mae was the original creditor of this debt and Sallie Mae has been deleted from my credit report. Sallie Mae changed their name to Navient. All Navient accounts have been removed from my credit report because the were Sallie Mae. Navient sold this debt to XXXX during the time I had a complaint with the CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 I was not able to make my payment on time. I am a self employed and the beginning of the year was really slow for me. I am now current and up to date with my payments. I would like this late payment removed because it hurt my credit score about 40 points. The amount missed was {$1100.00} and that dropped my credit score 40 points.

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 2020-12-17
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have now tried for almost a month to verify my paypal account email. It is not working and when you contact paypal customer service they just send you the same email and then tell you to call an automated system that then hangs up on you and tells you to send them a message. I asked for a callback and when I stated I did not get a callback. the person called me and immediately hung up then sent a message and said we tried to call but couldn't reach anyone. I explained to paypal that I can now not receive a payment because paypal is stopping it because my email isn't verified. 
Despite my email not being verified though. Paypal has allowed me to add multiple bank accounts, change my password ( with the link being sent to that email ) use paypal to make charges and sent me a paypal debit card. But now when it comes to receiving money I can't receive it because my email isn't verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Request for refund under Section 15 U.S Code 1605 Determination of finance Charge. I hereby exercise my right to rescind the agreement under the provisions of the CFR 1026.23 Right of rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Old information reappears or never goes away

Complaint:
File # XXXX I am no longer responsible for this account yet it still appears on my XXXX credit report. It has been removed from XXXX but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2018-03-21
Company: TD BANK US HOLDING COMPANY
State: NV
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:
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Nordstrom/TD Bank. I have tried multiple times to have this item removed from my XXXX credit file, but it has not been. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. Nordstrom/TD  Bank ... balance : {$6400.00} ... date opened : XX/XX/2016. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting an incorrect balance, and an incorrect past due balance on XXXX partial account number XXXX. This is a Fair Credit Reporting Act ( F.C.R.A. ) violation because it has not been updated since 2013 and F.C.R.A. mandates it be updated every 6 months. ( Please see page 13 of my credit report attached. ) In addition, we have filed dispute letters to Equifax and they have never corrected it. This account should be balance owed {$0.00}, past due {$0.00} and the status coded as XXXX instead of XXXX with a comment of paid or closed, XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am furious. Both my grievances had no resolution and were referred back to XXXX XXXX in area in which he could not and should not be expected to be able to help. Its not his specialization on these issues. Additionally I was told by membership services that I was not ALLOWED to call the membership line to correct errors, help find providers, or ask questions severely limiting my access to your service when XXXX is not available and direct contradiction of the purpose of membership services which is to assist with the above, the benefits packages which tells me to call this number with concerns, and even recent correspondence that directs me to call with questions and concerns while simultaneously and confusingly directing all issues even ones not appropriate for him ( previous XXXX non payments ) to XXXX XXXX. Please remove all restrictions on my access to XXXX XXXX XXXX that help administer my care. I further demand we create a plan to make me whole on payments and submissions that have now had to in some cases be resubmitted or misprocessed 3 times and payment times have often been over 90 days. Im not willing to use the exact same system that has failed nearly a dozen times so I can be repaid and recycle the money to continue seeing my providers. Further every time I seem to submit valid bills there appear to be numerous errors in processing and unfair wait times and thus without a plan to how things will be different in the future it would be unreasonable to expect working with XXXX just to receive my benefits I handsomely pay for will not continue to be nearly a full time job of vigilance, excel spreadsheets, and waiting for you to fix your own errors. 

The following math you wrote does not make sense, a closed account cant go from a {$24.00} balance to over a $ XXXX balance when no new charges can be made as the account has been closed, and statutory timeline had passed to make any changes to a closed account based on a billing error or a fraud dispute. 


On XX/XX/2018, we sent you a credit balance refund for the {$24.00} credit on your account, leaving you with a {$0.00} balance. The payment made on XX/XX/2018 was returned by your bank as you advised the payment was not authorized. We issued a credit to your account on XX/XX/2018 for {$1.00}, leaving your account with a New Balance of {$2000.00}. We are unable to issue credit for this balance. Your account has not been charged off or settled as you mention in your correspondence. 


You mention XXXX as the required balance I am happy to pay it close out this matter and have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Synerprise Consulting Services, 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:
Dear XXXX  : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. Synerprise Consulting in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. Synerprise, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account Synerprise Consulting as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i a not mad at chase cant get thru sent a letter and emailed on my card ending XXXX there is a charge from XXXX  for something i did not get. i never received XXXX insists they sent it i never got it charge is for XXXX i believe i need it disputed and investigated please. asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
To whom it may concern, I would like to use this medium to report the deficiency from XXXX XXXX  and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from XXXX XXXX  did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan.

Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.

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 2020-12-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a Venmo account that I use often to send and receive money from friends. Most of the time I use the credit cards that I have associated with my account because this is more convenient for my cash flow. I recently tried sending payments from my account that is in good standing using one of my credit cards that is in good standing and has plenty of available credit. It was declined without reason. I thought it was odd and tried using another credit card I have saved in the venmo account. It was also declined without reason. I reached out to support for help and they let me know that they can not override a system decline and that it happened randomly to protect me. I let them know that it makes no sense and why do they allow people to use credit cards on the platform if they are only going to decline them. How is it alright to rely on a service for that service to randomly decline your transactions without reason? In the chat with XXXX XXXX on XXXX I was basically told that although my account is in good standing that they can not approve my transactions. This makes me feel like they are using discriminatory practices to manage transactions.

Company response to consumer: Closed with non-monetary relief