BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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'm having trouble removing these fraudulent items from my credit reports.

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 2019-02-20
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Pay Pal and XXXX today XX/XX/XXXX If you sell through XXXX you must use Pal Pal. The Item shipped out XX/XX/XXXX and was delivered XX/XX/XXXX XXXX say the releases payment within 24 hours of delivery. Today is 48 hours from delivery and I still have no funds. Upon calling XXXX they will release in 24 hours. They will ONLY release to Pay Pal who for no reason will only transfer to their own debit card through a clearing house which takes 72 hours. Pay Pal put a hold on the miney as soon as they received the purchase money so they have had use of the funds 11,12,13,14,15,16,17,18,19,20 and then 72 hours longer 21,22,23 So for 13 days they have been earning interest on my money and a billion other XXXX dollars. They will not release any of my funds but if XXXX says we have a bill for {$47.00}. They take my money from a sale through offer up and without delay pay XXXX. Without notice to me. It is ok to pay money I owed. But there is no delay to XXXX. But they have to hold for security my money for 72 hours. They have had cash for 10 days, the buyer has delivery, whos security? Not mine. Not the buyer. Not Pay Pal. It is so they can make another 3 days interest on their investments and billions of other dollars belonging to suckers who use Pay Pal or XXXX. They held my money last week because they have to verify who I am. Even though I opened the account in XXXX. They had to wait until they had money to hold to verify that way they can earn money holding onto my money. Nothing disclosed. They said it is in their user agreement. Every bank or mortgage company or even a pawn shop has tougher full disclosure rules than Pay Pal. I want everyone to stop being ripped off. Money on hold just means we use other peoples money to make money. It should be outlawed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband passed away on XXXX XXXX XXXX. He was on Social security XXXX and XXXX from former employer XXXX XXXX since XXXX XXXX and in a wheelchair. I am XXXX years old and am on social security. We have separate bank accounts at Chase bank. He did not use my account to pay bills. On XXXX XXXX I discovered that a levy had been put on my account by XXXX XXXX XXXX for a debt that my husband had in XXXX which I had no knowledge of until my husband XXXX. Judgement was put on XXXX by XXXX XXXX XXXX. Can they levy my account when it is not my debt and my name is not on the account. I contacted the XXXX XXXX XXXX to ask why they put a levy on my account and their lawyer, XXXX XXXX told me to get an attorney. The bank is holding my funds and has cancelled my debit card so I ca n't get any money to live on. I had no knowledge of the old debt that was in my deseased husbands name. I do n't know what to do as I ca n't afford an attorney and I am still under a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have been on XXXX and social security scince XXXX. Please let me know if you need more information. I was told by the bank that I should have given them a XXXX certificate and taken his name off the account. I did not know this and did not get death certificate from state until last week before his military XXXX. I hope this information helps some else. You always think your money is safe in a bank. If debt collectors can.t harass you by phone or in person you why are they allowed to order bank to freeze your account? I have never been notified by XXXX XXXX XXXX about any of this. It is not on any credit report from any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment will increase by {$600.00} effective XX/XX/XXXX due to escrow. In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX  to Mr. Cooper Mortgage. XXXX XXXX states they paid my school taxes of {$6000.00} before transferring the loan to Mr. Cooper. Mr. Cooper stated that they paid my school taxes after the load was transferred to them. If both mortgage companies paid, this would have resulted in two payments for the same school taxes ; hence, an overpayment.

Per Mr. Cooper, their escalation department contacted the county to verify how many payments they received for XXXX and the county confirmed that only one payment was received for XXXX. Afterwards, I reached out to Mr. Cooper asking who submitted the payment to the county : XXXX XXXX or Mr. Cooper and Mr. Cooper stopped responding to my inquiries. I have been trying to resolve this matter for sometime. We do not have an additional {$600.00} to add to our current mortgage payment. We understand that mortgage payments can fluctuate ; however, an additional {$600.00} is extremely excessive. 

We would have never purchased a home that would cost us an additional {$600.00} per month. This is way out of our budget. 

Can you please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK

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 2021-02-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Convergent Outsourcing who are associated with XXXX regards to an a account in collections on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for a debt Validation. On all 4 attempts they refused me of a debt Validation and Verified the debt. Debt validation and verification of debt are two different requests. As a consumer I am entitled to a validation. In all for of my letters I specify that I want a validation and not a verification. I wrote it in English words. Also they are reporting on my credit profile that day opened for the debt was XX/XX/XXXX which is not true account was opened XX/XX/XXXX of XXXX. The day opened should not go off when Convergent received the debt, date opened should go off when the actual debt was opened. That is called Re-Aging the debt. As a consumer I am entitled to validation which was not given by Convergent Outsourcing or XXXX on 4 different occasions. As a consumer I am entitled to factual & truthful information to report on my credit profile according to FCRA. The 45day day mark has come & gone for the company to validate the debt. Its XX/XX/XXXX and the company has yet to validate the debt since I first wrote them on XX/XX/XXXX. I have all the paper work Ive sent them and all the paper work they sent to me and the 2times they responded they responded with debt verification which is not a validation.

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 2022-10-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I cashed a check from my XXXX account. It was flagged as fraud. I never received any information saying my account was locked. Once I found out I came to the bank to find out what was wrong. Was informed of the situation and was told there is nothing they can do and I would have to wait for an analyst. I could not touch my direct deposit from work. I got an overdraft fee because I could not touch my money. And its been almost 2 weeks now and nothing has changed. I was told by the fraud department to come into the branch and they could release my deposit for work. The branch told me they couldnt help me. The money has been sitting in the account now for several days but continues to stay locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 spent half the day yesterday entering a detailed complaint ( # XXXX ) with you, the CFPB, against TransUnion ( TU ) WITH 21 pages of documentation attached ... AS SHOWN on the attached, YOU received the complaint, YOU assigned it a complaint #. I never received the e-mail it references telling me how I could follow updates, etc. So, as YOUR instructions state, I phoned your Helpdesk this morning. She tells me she can't find the complaint ... she tried by the complaint #, my name, my phone number, and my e-mail address. My options : spend another half day today doing it all again. Yeah, she apologized, but that don't do me any good ... I have to do it again if I want to register my complaint. How do I know it won't have the same fate as the first time ... LOST? What kind of systems are you guys running there???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}

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 explanation
Consumer complaint received 2020-09-11
Company: TriStar Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I reached out to TriStar Finance, to inquire about refinancing my mortgage. Having been unable to reach anyone by phone, I partially filled out their online mortgage application, which I did not immediately submit due to being unsure about some of the information requested by the application.

Several days later, I received an email from a third-party settlement company notifying me that an account has been opened on my behalf. That email did not identify itself as being related to TriStar. I called the company identified in the email, at which point they informed me that this account was opened at the request of TriStar. At that point, I still had not had any chance to discuss the loan terms with anyone from TriStar and I had not signed any authorizations for third party services. 

I was eventually able to get in contact with a loan officer from TriStar finance, who was ultimately able to provide me with a loan estimate. Another lender matched the TriStar estimate, at which point I informed TriStar Finance that was opting to work with a different lender. TriStar responded by sending an abusive email, which I can only take as an attempt to cover up their failings and to pressure me into working with TriStar. 

Text of the email sent by XXXX XXXX XXXX # XXXX is attached. Note that XXXX makes several factually false misrepresentations in this email and disparages competitors. With regard to alleged expenses incurred by TriStar Finance, please note that I did not consent to any expenditures on my behalf, except for requesting an initial loan estimate from TriStar Finance, as well as a revised loan  estimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Citibank Thank you reward membership has been hacked three times since XX/XX/XXXX. First time, someone tried to use my reward points for gift cards and i noticed odd activity on my account when I got an email stating I changed my mailing and email address. I was able to dispute the points and was told it would never happen again. 2nd time was XX/XX/XXXX, I got an email about a hotel booking I did not do. I was told the charge was reversed and that for future use of my points, I have to call in through their security system. Then in XX/XX/XXXX, someone transferred XXXX points to an airline. I've changed my password every time this happened and I was guaranteed that this would not happen again.

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 2019-08-26
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/2019 - I submitted a dispute to Equifax in regards to my XXXX XXXX account which was included in my bankruptcy ( signed by a federal judge on XX/XX/2019 ). It continued to reflect 'active ' with an overdue balance of {$1600.00}. All other accounts had been cleared and properly annotated as 'discharged as part of bankruptcy '. The XXXX XXXX account was previously properly updated on XXXX  and XXXX. 

XX/XX/2019 - I finally received an email notifying me that the dispute had been completed. According to the file that I pulled from the Equifax dispute site, Equifax had updated the account to reflect 'Bankruptcy discharged ' with XXXX ' balance and '0 ' payments due. This has still not happened. 

I have applied for beginner level credit cards to attempt to begin rebuilding my credit, but reasons for refusal have included statements such as : " You have recently been past due. '' " Proportion of loan balance to loan amount is too high '' " Number of  accounts with delinquency '' ( which, as of today, is only the XXXX XXXX account )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple calls per day. Some within 30 minutes of each other. I receive calls from XXXX. On XX/XX/19 they called me at XXXX XXXX  and again at XXXX XXXX. That is only 27 minutes apart. Today, XX/XX/19, they called me from the same number at at XXXX and then at XXXX. That is only 20 minutes between calls.This is becoming harrassing. I made an attempt to talk to them about it. I talk to 3 different representatives. 2 of which claimed to be supervisors. They all did not care that the calls were made so close together. Their responses were to offer a cease and desist.

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 2020-10-23
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

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 2019-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I have a monthly automatic payment set up to take the statement balance as payment when due. However, I made a manual payment on XX/XX/2019 to pay the entire balance and on the XX/XX/2019 due date, the entire amount was taken again from my bank account, even though the account balance was XXXX. 

I called and was told, " we know that happens, we just deal with it when someone calls. '' This doesn't seem like the appropriate procedure to have. One would think if they know the system is cheating their customers by taking more than they deserve, they would make a system change.

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 2020-12-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked target to remove this account from my credit report. I have never asked to be an authorized user on a target card nor have I ever used one. This is fraud! Target sent a letter stating they couldnt find me on an account. However XXXX  has refused to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recently made a cashapp, i was using it normally. I sent money and i received money. On XX/XX/XXXX, i added XXXX dollars to my cash balance which brought me to XXXX because i already had XXXX on my account. One of my friends were letting me rent their XXXX for XXXX so when i got ready to send the XXXX over it said payment couldnt be sent after hours of trying to send it different ways, i emailed support to find out my account was closed. I dont know what guideline i didnt follow but i literally was using the cash app normally. So i followed all of their FALSE steps to at least get my money back but none of them worked. It wont let me cash out and they closed my account for no reason at all but the XXXX is still sitting in my cash balance.

Company response to consumer: Closed with explanation