BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Regarding PAYPAL : I was told any PayPal account can not be closed if there has been any transaction in the past 180 days. The type of transaction does not matter-the account can not be closed. I understand if a transaction is pending, but this is a totally cut and dry account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Selene Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I received an escrow analysis showing escrow shortage because Selene Finance DOUBLE paid my property tax bill, and is now asking for a higher payment. They were refunded the double payment, and I am asking for a new accurate payment, and have waited several weeks, to no avail. Sitting on hold for an hour gets me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: CO
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:
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different  supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed Experian for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

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 2022-01-14
Company: STATE EMPLOYEES CREDIT UNION
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:
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with STATE EMPLOYEES CREDIT UNION. The line of credit I have with STATE EMPLOYEES CREDIT UNION is characterized as utilization on my consumer reports. STATE EMPLOYEES CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : STATE EMPLOYEES CREDIT UNION credit card, STATE EMPLOYEES CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! STATE EMPLOYEES CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to STATE EMPLOYEES CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: KY
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 have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information for all XXXX bureaus. I know Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. as well as conduct a proper investigation. I have higlighted the information that is wrong for 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 2018-01-07
Company: DISCOVER BANK
State: AZ
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:
According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ). 
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( XXXX ***** Opened date : XX/XX/17 Balance {$0.00} ) This particular account is undoubtedly placed as a charged-off account. The balance was already zero yet the account was still reporting. Please furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged an overdraft fee. Apparently, my purchase of a XXXX present for my little nephew overdrew my account. I have been unemployed since XXXX and depleted my savings since the enhanced XXXX ended at the end of XXXX. But I still kept my account current by moving money from my savings into my checking account. I had an emergency vet bill and hit an issue paying for groceries so I asked my parents to send me my XXXX money early so I wouldn't have to keep going into my savings. Apparently, the purchase and the XXXX transactions didn't line up in your system and you charged me {$35.00}! I asked the customer service rep and a supervisor to reverse the charge and they refused. There was virtually no time between when money went out of my account and when money was deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information for all 3 bureaus. I know Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. as well as conduct a proper investigation. I have higlighted the information that is wrong for 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 2017-11-17
Company: ORG GC GP Buyer, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I ordered an XXXX from XXXX using their online store for a total of {$770.00}, when I made the order I mistakenly ordered a 9.7 inch XXXX when I wanted to 12 inch. I immediately called XXXX to change the order, the agent on the phone took the new order and canceled the original order. 

XXXX mailed both XXXX to my home address and started billing me for both XXXX including ; {$32.00} per month for the tablet purchase {$10.00} per month for the carrier access fees {$34.00} per month for the highspeed data When I received the devices I notified XXXX by phone they had sent two devices and I need to return one. They said they would send a return shipping label for the device, but that did not arrive. 

Over the course of 6 months I made repeated attempts to return the device with XXXX via phone, eMail and store visits. From XXXX until XXXX I consistently paid the bill in full every month despite the over charges for the XXXX. It should be noted I had a number of devices in addition to the iPad in question. In XXXX of XXXX I was finally able to return the device to XXXX, but out of frustration I canceled all services with XXXX and returned the remaining devices. 

I was credited {$760.00} for the XXXX, but given no credits for the services ( 6 Months * $ {$44.00} = {$260.00} ). XXXX then started to charge additional fees for other devices returned and for base cell service ( Given a base charge would be shared with the other devices ). 

Now XXXX has recharged for the tablet and is again charging services for a device I did not order, was delivered in error and returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
National Credit Adjusters has reported a collection account on my credit report and have not provided the proper validation for this account. I am refusing to pay this alleged debt and request that they cease and desist any communication with me unless they are advising me that the account has been deleted. Any amount that is alleged I owe is hereby disputed. As a consumer, my failure to respond to this alleged debt in the required time of 30 days should not be assumed as consent that I owe this alleged debt. I demand that this account be deleted immediately as I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: CO
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:
My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My FICO scores for the last 3 months have substantially declined, for instance : XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) Transunion : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ( XXXX42 pts ) 1. XXXX  reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
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 explanation
Consumer complaint received 2019-09-10
Company: LCO Financial Services, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am not for sure the exact date of my loan it was for {$800.00} from Blue Trust Laon. I was diagnosed with XXXX and have been off from work. I had XXXX  XXXX XXXX XXXX of XXXX XXXX  XXXX. I am expected to pay back over three thousand dollars I was desperate for money to pay my utilities bills. I can barely make it now due to my illness.

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 2022-01-14
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:
In XX/XX/2021 a person by the name of XXXX XXXX contacted me by phone from XXXX XXXX XXXX stating they could help me to reduce or a loan forgiveness to student loan program. In a verbal agreement she stated if I filled out the paperwork to submit the form to the student loan program on my behalf they would take out {$530.00} for there processing fee. I gave them my debt card info to take 2 transactions on XX/XX/2021 {$260.00} & XX/XX/2021 XXXX to XXXX XXXX  listed on my statement. Per XXXX she stated if the federal government did deny my student loan forgiveness they would reimburse me back the the amount of {$530.00} since the federal government deny my paperwork. 
It was a verbal agreement. Hence it took until like XX/XX/2021 I received the letter stating they denied my paperwork for the forgiveness program. I reached out to XXXX XXXX by phone & email asking when they will return my money. The phone # & email does not exist anymore. Now Wells Fargo said I had to dispute with XXXX XXXX XXXX & that the transaction occurred back in XXXX I had waited too long to dispute. How was I suppose to know that is was a scam until after the fact. I tried to reach back out to XXXX that the phone # & email does not exist ... Now they will not take into consideration that this is a scam .... I am really disappointed with Wells Fargo not protecting me as a customer for over 20 years. I am going to close my account.. I can forward the email from XXXX XXXX the email does not exist anymore.. How is this not a scam!!!!

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 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are an attorney 's office that requested a discharge for a paid in full HELOC loan. The Mortgagee was Bank of America. The mortgagor was an Estate and there was a zero balance. We have a payoff letter from Bank of America showing the zero balance. We have been tracking and requesting the discharge continuously since XX/XX/XXXX, to no avail. This is beyond the statutory 45 days to record a proper discharge of mortgage. I have attached proof of my attempts to obtain the proper discharge. I have also made many telephone calls which resulted in no satisfaction, literally and figuratively. Our office represented the bank and buyers. The attorney 's office that represented the seller has also made the attempts, including the Personal Representative of the Estate forwarding any documents BOA requested and verbally informing them to close the account and issue a discharge. A phone call.place on XX/XX/XXXX resulted in them informing me the placed an insurance policy on the property in XXXX!! All the while knowing the property had been sold in XXXX and the account was to be closed and discharged. We need assistance getting BOA to record the necessary Discharge of Mortgage.

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