BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. I have a healthy account, with no disputes or charge backs. I am very desperately in need of my account as this is my only source of income at the moment due to covid. Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Pendrick Capital Partners Holding, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is in violation of 15 U.S.C.1692-1692P On XX/XX/2019 ( I ) XXXX XXXX reviewed my Consumer Credit Report to discover a invalid debt from XXXX XXXX XXXX. 

I called and spoke with a person by the name of XXXX about this Invalid debt from Debt Recovery Solutions. Mr. XXXX who was both abusive, and oppressive with me ; in violation of 15 U.S.C.1692b (  2 ). 

Mr. XXXX also used obscene language against me ; in violation of 15 U.S.C 1692d ( 2 ). I then ask Mr. XXXX to remove this invalid debt from my report and to stop all collection efforts and he stated that he would refuse to do so. 

Mr. XXXX was deceptive with me in his attempt to collect a debt ; in violation of 15 U.S.C 1692e ( 10 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CITIBANK, N.A.
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:
On XX/XX/2020 i wrote to XXXX, XXXX and XXXX and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/cbna with account number XXXX and DSNB / Macys account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act Fact Act Under sections 605B. The law states that they were suppose to block the fraudulent accounts in 4 business day. They told me that they had forward my complaint to Macys and Best buy but nothing was ever done.

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 2018-04-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
I requested a credit line increase on XXXX/XXXX/2016 and requested repeatedly that credit not be pulled numerous times during call and the representative agreed. I checked with my monitoring service and the next day and there was an inquiry on my XXXX credit bureau report from this bank. I have made calls over the past 7 weeks and spoke with XXXX-XXXX supervisors and no one has been able to help me. I was called by a supervisor named XXXX or XXXX that informed me that the inquiry would be removed. It was not removed. I spoke a female supervisor on XXXX/XXXX/2016 and she submitted the request to the department that took care of those matters. I spoke back with several supervisors this week and I am still not able to resolve the unauthorized inquiry that appears on my XXXX credit report dated XXXX/XXXX/2016 after being told by a supervisor on an outbound call to me that it would be removed in 45-60 days.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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 a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX XXXX XXXX and 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 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All my credit cards gave a XXXX balance. But, incorrect balance reported.

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 2020-07-24
Company: EQUIFAX, INC.
State: MD
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 have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX XXXX -XXXX -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions 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:
I sent a 3 requests to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!

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 2021-11-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
credit card WELLS FARGO BANK XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-03-19
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrong amount property management didnt submit my rental assistance as I was approved for it and it wouldnt be any debt. I will like for this to be deleted. Opened XX/XX/2022. XXXX XXXX {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: DFC Global Corp.
State: LA
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:
this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 I was notified by an attorney soliciting my business, that I was being sued by Zwicker & Associates in the amount of {$19000.00}. I researched and found this online and to my surprise, found this to be true. I called their office on XX/XX/20 to attempt to validate the debt and understand why I didnt receive any mail. The representative told me that they had the wrong address. On the court document they have an address listed from 3 years ago. They made no attempt to locate my correct address and I never received any mail from them regarding this supposed debt, so I had no opportunity to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} Medical XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been asking for the PMI disclosure statement and any other disclosures related to PMI that were provided to me at closing. I have a generic PMI letter that is signed by me but it not specific to my loan and does not provide any dates. Wells Fargo has sent this same letter to me twice. My understanding is that a PMI disclosure statement is required to be provided to me al closing. I base this assumption on language I have read in the HomeRequired disclosures under Homeowners Protection Act.

( HPA ) ( PMI Act ) : 1. Amortization Schedule AND 2. PMI Notice which discloses the following : Borrowers right to request PMI cancellation when the LTV on the loan reaches 80 % of the original value and the date this will occur based on the initial amortization schedule Borrowers right to request cancellation at an earlier date if actual payments bring the LTV to 80 % sooner than scheduled PMI will automatically terminate once the loan reaches 78 % LTV and the date this will occur based on the initial amortization schedule There are exemptions to the cancellation and automatic termination provisions for high risk mortgages and whether these exemptions apply to the borrowers loan I believe I may be missing some disclosures as it relates to PMI. I would like to have those provided to me.

Based on the document I have signed, I may be eligible for a partial refund of PMI if my loan is paid in full. Wells Fargo first took the stance that the loan had to be active in order to be eligible for a partial refund ( of unearned premium ), then later told me no because it was a non refundable policy and now told me that I am eligible. Most of this discrepancies are in fact in writing to me from Wells Fargo.

I have also asked to under stand the process of the refund once the loan is paid in full. I have been told that there is no process and that Wells Fargo will just send a check once it's paid in full.

At this point I want to review all documents provided to me at closing related to the PMI piece and I want Wells Fargo to confirm that they are required to refund any unearned premium once the loan is paid in full ( in the next 60 days ).

From the Homeowners Protection Act in regards to unearned premium : Return of Unearned Premiums The servicer must return all unearned PMI premiums to the borrower within 45 days after cancellation or termination of PMI coverage. Within 30 days after notification by the servicer of cancellation or termination of PMI coverage, a mortgage insurer must return to the servicer any amount of unearned premiums it is holding to permit the servicer to return such premiums to the borrower ( 12 U.S.C. 4902 ( f ) ).

If the proper disclosures required by law were not provided to me, I want that in writing with an explanation as to why.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
Approximately on XX/XX/2022 I disputed incorrect open dates on my auto loan for XXXX XXXX XXXX across all 3 credit reporting agencies. They all displayed different and inaccurate open dates and balances. XXXX decided to remove the account from my credit report but it remained on the other 2 credit reporting agencies. The accounts were updated and still reflected inaccurate and different open dates.

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 2021-04-09
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid SYNCH/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM

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 2021-04-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax has taken over 210 days to rectify a dispute that I made back in XXXX. I have sent several letters and there has been no communication with me to let me know that this matter has been reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Texas Guaranteed
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:
I first contacted Trellis on XX/XX/XXXX disputing the first date of delinquency. I asked for proof of payment history to back up the date. All I received was a loan summary with ZERO payment history that they sent XX/XX/XXXX. I was told via email that XX/XX/XXXX was the date of delinquency was given by XXXX but there is ZERO paperwork of them getting this date. If there is, it wasn't sent to me as requested. This company is in violation of 623 ( a ) ( 5 ) ( A ) ( ii ) as they didn't follow reasonable procedures to obtain the original date of delinquency since the original creditor did not list it on my credit report. ALSO, once I disputed the information, they violated the FCRA by not conducting a reasonable  investigation. I did a reasonable investigation and obtained payment history from the original creditor that is listed. The original date of delinquency is XXXX of XXXX. All of this is backed by email correspondence. That was the date I fell behind and my account was NEVER current from that point. I have payment history, they don't. There is NOTHING to back up THEIR date This company has CLEARLY violated the FCRA and I want these accounts IMMEDIATELY removed from XXXX, XXXX and XXXX. I'm confident that now that I've pointed out this issue and completed THEIR investigation for them, which all I did was make a phone call to the original creditor, that I will have the desired outcome I asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently paid off the required 20 % of our loan to get the PMI removed. We contacted Mr. Cooper on XX/XX/XXXX to find out how to begin the process. We were told that they would not remove the PMI because we paid off our mortgage to fast. We were told we have to either wait until the day it would be normally removed or pay over 300 $ to send out one of their adjusters to get our home reappraised and start a reappraisal process. From what I have read this is not proper procedure and they can not add these extra burdens on us without it being in our contract. To achieve the 20 % we needed to pay down our mortgage to XXXX, as of today XX/XX/2020 we are at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had an account that was closed on XX/XX/XXXX XXXX which was for a Water Filtration System placed at my residence. The finance company is stating they placed UCC-1 Lien on my property which was never agreed upon, also this is an excessive amount that they have placed on lien.

Company response to consumer: Closed with explanation