BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I need transfer money from PayPal account to my XXXX XXXX  checking account. 
Was happen once and was working fine. ( XXXX ) after this bank was removed from my account ( by Paypal ) and since this time I can't link this bank again and transfer my money. Paypal support is terrible I can't call because system end call before anybody answer the call and say sorry ... 
Support by email is not working they ignore my messages and never fix anything. 
Last Friday XXXX XXXX ) I spoke with real person ( they call me ) I was tell I need to wait XXXX before I can add my bank and transfer my money. Nothing works, is still not working and I'm back to binging. They hold my money and look like they want benefit from this or something. PayPal service and support is the worse I aver experience in my life. Nobody do anything is just empty promises and text exchange. I use this account for XXXX sell and is shame XXXX is involve in this terrible service, where they keep my money long as they want and nobody can do anything and check how many people have the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 dont recognize any inquires that is on the file that is attached below. 
Please review attachment below. Thank you

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 2021-09-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from 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 Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. NAVIENT ( private student loans ) have called me on my personal landline ( XXXX ) XXXX-XXXX at least once a day starting XX/XX/XXXX. This is my personal phone number. There are no other names listed on this account. 
2. My daughter, XXXX XXXX, has an outstanding loan with Navient. My daughter has informed me that she has tried to address this delinquency since XX/XX/XXXX, but it has been hampered by Navient and her serious medical conditions ( which Navient has been provided evidence ). 
3. I asked my daughter on XX/XX/XXXX, why Navient was calling my telephone number and asked her to stop them from calling me. I find these calls intimidating and harassing, especially since I know for certain that Navient is aware that I have no additional information I can provide to them. 
4. On XX/XX/XXXX, a fax was sent to Navient ( which they acknowledge as received ) wherein my daughter confirmed once again to Navient that they were in possession of her correct telephone number ( as is evidenced by her voicemail message as well ) and street address. 
5. My daughter has a letter dated less than thirty days earlier where she contacted Navient and provided the same contact information. 
6. The FDCPA prohibits a debt collector from contacting anyone but the actual debtor UNLESS THEY DO NOT HAVE CORRECT CONTACT INFORMATION. I request your agency ask Navient to demonstrate why they do not believe they have the accurate contact information ... especially since my daughter has been in communication with them as best as she physically can. They will not be able to establish that criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I discussed with Bank of America via phone call, the ways that I might manage my credit card debt including reducing my amount owed, the possibility of declaring, cashing in a retirement account to cover the amounts owed. 
There are three credit cards in question ( accounts ending in ) : XXXX, XXXX Several days after I had the conversation ( as described above ) with a representative from Bank of America, the three cards in question were declined when attempting a purchase/transaction. I had no knowledge as to why they were all three declined. Four days later, I received three letters ( see attached ) telling me that Bank of America was notified that I intended to declare bankruptcy, consequently the three credit card accounts were closed. All three accounts had remaining credit and none were delinquent.

My discussion with the bank representative included the fact that I had considered bankruptcy, but it was not definitive. BOA has nothing in writing regarding the possibility, let alone intent, to declare bankruptcy, yet they cancelled three credit card accounts. The closed accounts will effect my credit score and forced an extensive process of closing automatically paid accounts related to those three credit accounts.

I do not believe that a conversation about the possibility of filing bankruptcy is sufficient grounds on which to close three credit accounts without warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
On XX/XX/2023 I checked my credit report and I think it is wrong. I was told I have the right to have an investigation performed. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX for an amount of {$8300.00} XXXX XXXX XXXX for an amount of {$3500.00} XXXX XXXX XXXX for an amount of {$2200.00} XXXX XXXX XXXX for an amount of {$1200.00} On XX/XX/2023 I sent a request to provide a copy both front and back of the alleged original contract/ agreement/ promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct and complete, upon the commercial liability of a proper of a properly identified and authorized XXXX, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/ agreement or promissory note. 

I requested they provide verification and documentation that there is a valid basis for the companies charge-off of the alleged debt. 

I requested they provide proof that the alleged debt has not already been satisfied by any means available including but not limited to a tax write-off or insurance claim. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete the item of information from the file of the consumer.

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 2023-02-02
Company: GOLDMAN SACHS BANK USA
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: Account information incorrect

Complaint:
I noticed on my credit report that my last two payments were not reported. I called the credit card company on XX/XX/28 and explained and they agreed that my information was not reported in XXXX. The associated said she filed a claim and I would be receiving confirmation of the claim. As of now I have not received any correspondence or confirmation and my credit report is still not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My investment property value has increased to more than double the original loan amount, so I requested a cancellation of my PMI insurance from my previous loan servicer. They agreed to the cancellation effective XX/XX/XXXX. My current servicer bought my loan in XX/XX/XXXX. 

The new servicer has twice refused to allow the PMI cancellation until the loan has " seasoned '' by having no late payments for XXXX more years. I have owned the home since XX/XX/XXXX with no late payments. 

My online searches concerning Dood/Frank legislation reveal that an increase in value is a valid reason to cancel PMI insurance. My loan has already " seasoned '' for 6 years with no late payments. 

I contend that they do not have the right to deny PMI cancellation because they bought servicing rights to my loan and chose to reset the " seasoning '' clock.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
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:
accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-01
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been keeping a close eye on my credit report because I have been a victim of fraud. Experian is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and employer XXXX. There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Experian letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX, XXXX  I receive a notification of a low balance in my checking and saving accounts. I checked out accounts via the app and notice my balance was XXXX  and the money in the accounts was placed on a hold. I called Bank of America consumer service number, the representative stated my account is flagged as deceased. I needed to bring in 2 forms of ID and letter from SSA. I brought in everything they required and they haven't rectify the issue of reinstating my accounts and debit card. I unable to receive my paychecks for work, pay my bills or buy my 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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure what's going on, Capital One continues to contact me about an alleged debt and even communicating with credit reporting agencies my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Exeter Finance Corp.
State: TX
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:
As of XXXX XXXX XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Exeter Finance, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2018 my prepaid debit card, issued by Direct Express for my Social Benefit checks to be deposited into, was stolen while I was on vacation. On XX/XX/2018 I called Direct Express and notified them of the theft. The card was cancelled on that day. On XX/XX/2018 I received a Questionnaire of Fraud from Direct Express, which I filled out claiming {$17000.00} in fraudulent charges on my card and I mailed it back the next day.. I  was credited {$5100.00}. I have called Direct Express numerous times to get the remainder back but they will not return my calls or follow through. Comerica Bank, which processes the transactions, will not help. I called them and they said to call Direct Express. I called them again on XX/XX/2018 and the person at the Fraud Department said he could not talk to me and transferred to a Level 2 line, where no one ever answer the phone, per usual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/2023 to XX/XX/2023, a total of 14 unauthorized transactions were made to my Wells Fargo debit card. Four transactions were made on XX/XX/XXXX, each transaction was for {$500.00}, totaling {$2000.00}. One transaction was made on XX/XX/XXXX totaling {$400.00}. A total of four transactions were made on XX/XX/XXXX, one for {$400.00}, one for {$1000.00}, one for {$1000.00} ( again ), and finally one for {$400.00}, totaling {$2800.00}. One transaction was made on XX/XX/XXXX, totaling {$500.00}. Three transactions were made on XX/XX/XXXX, one for {$800.00}, one for {$700.00}, and one for {$500.00}, totaling {$2000.00}. One transaction of {$300.00} was made on XX/XX/2023. This brings the total of unauthorized transactions to {$8000.00}. Im not sure who stole my debit card information during this time ( could have even been at a restaurant, or anywhere ), I tried calling Wells Fargo multiple times and explained my situation and why my debit card was not reported stolen until XX/XX/XXXX. I let them know I was unaware my debit card was being used by someone else, they still are not cooperating and refunding me my money. How am I at fault someone stole my information and was using it without me knowing? I will keep trying to contact Wells Fargo, hopefully we can work something out.

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