BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I purchased a preorder for a pair of size XXXX XXXX XXXX XXXX XXXX that will be available in limited quantities towards the end of this year. I purchased them for {$280.00} and used PayPal as my payment.The person I ordered the shoes from was operating a huge Ponzi scheme and scammed people out of millions of dollars. He dissolved the business and did not send out shoes or issue refunds. On XX/XX/XXXX I received this statement via email On XX/XX/2022, XXXX XXXX XXXX was appointed by the Circuit Court for the State of Oregon for the County of XXXX to serve as Receiver with certain roles identified in the Order Appointing Receiver. The owner of XXXX XXXX XXXX petitioned the court for voluntary dissolution under Court supervision and the appointment of a Receiver in order to protect and preserve the assets belonging to the Receivership Estate and to assist in the dissolution of the business. 



The Receiver will provide updates as they become available. Please report back to this website periodically to stay apprised of events regarding the dissolution/liquidation of the business. 

I ordered 1 pair of shoes in my size and ordered with the intention of wearing them. I filed a dispute with PayPal on XX/XX/XXXX to try to get a refund by using their protection. 
On XX/XX/XXXX I was sent this email saying that I was denied because I bought them to resell them and make profit. 

Regarding your recent case. 


XXXX XXXX, We apologize for the delay in the resolution of your claim and appreciate your patience. We've reviewed the details of your case, and based on the information we have to date, we have denied your case. 

For your reference, were including the Dispute Case ID below, and you can find the full dispute and transaction information by logging into your PayPal account and going to the Resolution Center. 

Dispute Case ID : XXXX Your claim is being denied because the purchase is ineligible for PayPal Purchase Protection according to the PayPal User Agreement. Specifically, items or transactions are not eligible for PayPals Purchase Protection program when intended for resale. This exclusion applies to single item transactions or transactions that include multiple items. 

What can you do? 

We want to give you an opportunity to provide us with additional information within 10 days from the date of this email that could help us further evaluate this case. Please contact us by clicking Help & Contact on any PayPal page. 

Note - If we dont hear from you, we'll consider this case closed based on the decision described above. 

We're sorry for any problems you may have experienced with the transaction. 

I do not profit by reselling sneakers. I am simply a consumer and a passionate sneaker collector that was scammed and refused protection from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to work with Bank of America since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of Bank of America instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted Bank of America on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and XXXX  and Bank of America directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and XXXX XXXX XXXX regarding the same issue for more than a year and to no avail, no action taken place.

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 2017-03-29
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt on my credit report to Aargon Agency for a debt owed to XXXX in the amount of {$1700.00}. This transaction was conducted online and the funds deducted from my bank account on XX/XX/2017. Before paying the debt, I called and spoke with someone at Aargon Agency. We came to an agreement that the debt would be removed from my file if I paid in full on that day. After several disputes with XXXX, XXXX, and XXXX, the account has not been removed or updated. It is showing that I still owe the full amount.

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 2017-04-18
Company: U.S. BANCORP
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ELAN FINANCIAL SERVICES ON MY  XXXX  REPORT NOT MINE.   NEVER AUTHORIZED NOR OPEN ON  XXXX / XXXX /  XXXX  .   * DISPUTE AS NOT MY ACCOUNT * BALANCE OF {$710.00} NOT MINE.   NOT A JOINT ACCOUNT.

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 2017-04-17
Company: U.S. BANCORP
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
This complaint is for re-open the  Case nu mber :  XXXX .   It 's more th an three  months now. I still did n't receive my  XXXX  repaid 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 monetary relief
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 2022-09-01
Company: Experian Information Solutions Inc.
State: VA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pass the removal date ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CMG MORTGAGE, INC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote an email and provided the mortgage company CMG financial with receipts showing that I finished my basement for the purposes of having a appraiser come and appraise my home so that the PMI could be removed the lender stated the receipts I provided doesnt qualify as finishing a basement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Early Warning Services, LLC
State: OK
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:
I contacted Early Warning Services, a consumer reporting agency as defined by FCRA, and they refused to allow or enter a FREEZE on my files and/or reports falsely saying they are exempt. They are not exempt. 
I have entered a dispute as they are reporting FALSE information and refuse to not allow such to be reported until such time as it is fully verified. 

A consumer is permitted under the law to request a security freeze. A security freeze protects consumers from abuse or identity thefts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: U.S. IMPACT, INC.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I understand that there is a balance with    XXXX   XXXX    regarding my company account. I had lost contact with them regarding this, and they submitted the balance over t o US Impact Inc.   <P/> When  XXXX   XXXX  from  US Impact reached me  the first time, the call went fine, up until the very last few moments where she started to get rude and made a rude comment. This was the first issue.  <P/> She proceeded to reach the  manager of m y company and was rude and threatening to her.  <P/> I contacted    XXXX   XXXX   abou t the issue, they confirmed that US  Impact was in fa ct who they sent the bill to. They gave me the contact information for  XXXX .  XXXX   XXXX  has been very nice and communicative on the phone. I am MORE THAN HAPPY to deal with them directly as I do not want to further jeopardize my relationship with them. However, for this particular bill, they are at a standstill since it has already gone t o US Impact.   <P/> My concern is that  XXXX  fro m US Impact Inc has  violated several rules. I 've asked her not to call my cell phone during business hours, and she proceeds to. Today when I had a moment to answer, she straight out LIED about any agreement between  XXXX   XXXX   XXXX  and  US Impact. She sta ted that the  manager o f  XXXX   XXXX   XXXX  confirmed with her that there was an agreement fo r 3 payments. This was NOT the case, nothing was agreed upon. She was EXTREMELY rude to me, and then wh en she called  XXXX    ( the manager ), she was rude to her, lied to her as well, and was harassing on the phone.
<P/>  I understand the need to collect on a debt, but being threatening, rude, and uncooperative does not solve anything.    XXXX   XXXX   XXXX   Acc ounts  Receivable de partment has been extremely nice about it, b ut US Impact has gone above and beyond being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: MA
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:
According to FCRA this unauthorized and unverified account must be removed immediately from my Credit Report.

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 2023-03-13
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have been paying on a loan that was originally for {$8000.00} at {$820.00} a month for almost 3 years now and my balance is no closer than the first day from being paid off. I would like to find out my rights and have the interest rates looked at after reading that title max has been practicing illegal interest rate practices. They keep charging me insane late fees and threatening to repo my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Upstart Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upstart Network Inc. 

Date Opened : XX/XX/2017 This company is negatively effecting my credit. This personal loan owed is already paid. I wanted this collection removed because it effecting my efforts of getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXXXXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. 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 2022-09-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is still reporting my name wrong. I have sent in several copies of my ID and social security card and they continue to send correspondence with the wrong name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a pre-approved offer from USAA on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX which included a {$200.00} reward bonus after making 12 qualified purchases byXX/XX/XXXX as well as 0 % APR until XX/XX/XXXX. I applied for the card, and after a long and tedious approval process due to errors on their part, I received the card around XXXX. I made the 12 qualified purchases byXX/XX/XXXX, and confirmed as much prior toXX/XX/XXXX. I received an email onXX/XX/XXXX stating the deadline for completing the 12 purchases had been extended toXX/XX/XXXX, all emails from them with this offer stated the {$200.00} cash reward bonus would be credited within 90 days after the end of the promotion. I called in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX inquiring why I had not received the {$200.00} cash rewards bonus. I opened several " tickets '' with them, and was finally told inXX/XX/XXXX that several people who took advantage of the promotion had not received the bonus and that it was a " known issue '' that they were working on and did not know when it would be resolved. I tried calling again inXX/XX/XXXX and got the same response. It is now days away fromXX/XX/XXXX, 9 months since the original promotion ended, and I still have not received the {$200.00} nor do I have any indication when the money will be received. USAA has confirmed repeatedly that I am owed this money and that I upheld my responsibilities in order to be eligible to receive it, and I have supporting written documentation from them to prove that. As such, it feels as though I was misled through false advertising along with several others who have not received this money. I have tried contacting them to no avail, including speaking with their executive resolution team, and feel I have no other choice but to involve CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had purchased a firearm through XXXX XXXX XXXX, a subsidiary to XXXX XXXX XXXX XXXX, through their line of credit for {$700.00}. my initial intention was to pay the minimum payment until I accumulated enough money to pay it off directly to avoid APR. I purchased it in XX/XX/XXXX and the first payment was due on XX/XX/XXXX. I linked my XXXX debit card to the account online and made my first payment of {$27.00}, their minimum payment onXX/XX/XXXX at approximately XXXX. When I made the payment, it was taken out of my account and noted in my transaction record. About a week later I received a notice from XXXX XXXX XXXX  XXXX through email stating my payment was declined and to try again. I promptly called their corporate office to which no one could give me an answer and they kept transferring me to other offices and their representatives kept answering around my question. I called my bank and they told me that there was n't a problem on their end and that everything was fine on their end. This has happened on four occasions now and I recently received a call demanding payment from their corporate office in XXXX XXXX, Ohio. I now have a late fee of {$68.00} because of their incompetence. On top of this, I am trying to open a business and I am concerned that these events are negatively affecting my credit score and are hurting my chances of starting my business. I would like at the very least, to have this case investigated and my overage fees taken care of and given a resolve to my issue. Thank you for your time.

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 2022-09-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was frozen on XX/XX/2022 and was told it would take up to 3 weeks to investigate why it was frozen. I was given no information at all but my funds were frozen. I was told my request was escalated to receive a faster response but no response at all. My husband 's account was also frozen. Last week I called for further detail and was told it is still with their investigative team, but I could not get any further info or speak with their team. I escalated as far as I could but they make it impossible to contact them. After 3.5 week, I tried again today only to be told I have to wait indefinitely for a response, even after being escalated to a supervisor. They would not escalate further and I was told to wait indefinitely for a response. Venmo is currently holding my money and my husband 's money for almost a month with no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business 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 2022-09-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.

Company response to consumer: Closed with explanation