BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Paypal Holdings, Inc
State: FL
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 made a purchase with PayPal for XXXX. This was an upstart venture that never launched. The person running the service refunded everyone 's money in the same fashion that was used to make the payment. 
I attempted to retrieve MY money from PayPal. I do NOT and WILL NOT provide PayPal with my debit/checking account #, as I see that risky, especially since I know someone whose PayPal account was hacked and had fraudulent credit card charges. Furthermore, I could deal with fraudulent credit card, but NOT debit card, as that's MY money. 
They have an option to get a check cut. I went through this option with a representative online two times, and the system is broken. It would not allow me to retrieve MY money, and the representative stated that this is the only way the money can be released. She then connected me with XXXX ( supervisor # XXXX, ) who refused to help me any further, even though THEIR SYSTEM is broken. I would have expected him to take this breakage to his IT team, and then call me back when the matter is resolved, but he simply stated that there was nothing he can do. My attempts at escalation resulted in his claim that there is nobody else above him and that's it. So bottom line, PayPal is stealing {$45.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

1. Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX AR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CENDERA FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied with a VA mortgage with XXXX XXXX XXXX, XXXX XXXX was our agent. We supplied ALL information that was needed, received a preapproval for {$220000.00}. After being into the process XXXX and half days, with closing being on the XXXX of XXXX, he stated that my husband needed to return back to XXXX MO in order for our loan to be secured due to underwriting stating that he must have full time employment. This was untrue after we contacted our local VA our of XXXX Texas. Because my husband receives XXXX and retirement, we where more than secure for the loan. This lender did n't know their VA rules and updates! My husband had job offers available to him, here in the state of Texas, but due to XXXX, XXXX XXXX, he was unable to meet those obligations and returned to the prior police department, which put a hardship on our family, only for XXXX to not supply us the loan being XXXX and half days into the process. We feel we have been lied to and discriminated against!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022, I received the emailed offer below from Capital One : Congrats, You're Invited Opportunity : Find out if you're pre-approved for a new card with no credit score impact. 

I applied, was pre-approved and offered three choices of cards. I chose the XXXX XXXX. Their system did an additional check : 1. Denied my application. 2. The second check was a hard inquiry which negatively impacted my credit score. 
The result was no credit card and a XXXXXXXX XXXX drop of my credit scored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello, my name is XXXX XXXX. I am reaching out regarding the ridiculous credit denial that I have just been through. Last week I applied for a {$7000.00} loan through first Hawaiian bank to be forwarded from my friend as I am taking over his car. This loan already has a down payment and has already mostly been paid off. I have A max of {$1400.00} in debt which is being paid off as we speak because that amount is negligible. Aside from that I have spent the last year building my credit upwards of XXXX points from the XXXX that it was last year at this time. I have proof that my three credit scores prior to applying for this loan or XXXX, XXXX, and XXXX. Since applying my credit score has dropped XXXX points, XXXX points, and XXXX points respectively. The bank is then telling me that my credit score is not sufficient to support a measly {$7000.00} loan. They are basing their denial off of the credit scores that I now have after their inquiry. This is very unethical and I am very unhappy. I can have this loan paid off in seven months but we applied this loan over the course of two years because that is the current life of the loan and I decided to keep it that way. I have never seen a bank deny a loan to someone with good credit because they are using the post inquiry scores. Please look into this matter on my behalf I am happy to provide any information needed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, XXXX and TransUnion about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than XXXX or TransUnion. XXXX and TransUnion both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.

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 2020-06-22
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I requested that the ( Chapter XXXX Bankruptcy Acct # XXXX ) be removed due to non-verification that this account belongs to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified that this account belongs to me. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX District of Wisconsin. 

I have proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Lexis Nexis is required by law to provide me the Business name, address, and phone number of the source they verified this account with. I was not provided that I have only been told that from Lexis Nexis, that they are not held by the same guidelines as Credit Bureaus. Which is untrue due to the fact that the FCRA Acts states that they are held to the same reporting laws as the Credit Bureaus. This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Lexis Nexis verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Lexis Nexis that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. XXXX  was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XX/XX/XXXX : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/XXXX XXXX, Contact : Not Available ( XX/XX/XXXX XXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Maury Cobb, Attorney at Law, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this an attempt to extort and rob me, personally, my family, and my household.. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice via regular mail from MRS BPO LLC a debt collector trying to collect a debt for XXXX XXXX XXXX. We do not presently have an account with XXXX noting the debt dates back to XX/XX/2021 per the notice received. 

That said, I promptly mailed the request form requesting additional information so I could verify the validity of the debt prior to taking any necessary action. That information was never received, noting I failed to realize it, and the company without any other contact whatsoever, proceeded to file a derogatory statement on my credit report as a result. 

I was immediately notified the derogatory statement was made because I subscribe to credit monitoring services as I take my credit seriously. I promptly reached out to the debt collection agency to discuss why collection activity had continued despite my request for information and was told they never received my request and would respond now. As I explained to XXXX XXXX, the representative I spoke with today, that would be good, but in addition, the derogatory statement needed to be rescinded since I had responded, and ALL continued collection activity should have ceased. She was adamant that it was my problem, that my request was not noted on the account. This is absolutely ridiculous. Where is the accountability on their side? My credit score is consistently over XXXX because I am a financial responsible adult, and I will not stand for a debt collector to infringe on my rights. 

As explained, I will address the validity of the debt as soon as I get the necessary information, but I want my rights protected. I took the appropriate action and they failed to act on their side. They shouldn't be able to place a derogatory comment without accountability. Your assistance is resolving this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

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 2017-08-22
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
First, I would like to thank you for assisting with my first complaint # XXXX about OCWEN LOAN SERVICING LLC. Next, I want to open a new complaint because I sent them an QWR on XX/XX/XXXX and they responded to myself and CFPB by electronic mail on XX/XX/XXXX. And yes while OCWEN did send out a response to both of us, so that would be complying to Section 2605 ( e ) of the Real Estate Settlement Procedures Act ( RESPA ) which requires that they respond to " qualified written requests '', they again did not send me the information that was requested by me. They sent out a response to us stating that my concern was addressed to them on XX/XX/XXXX and that according to them my concern was with the Law Offices of XXXX XXXX which was never a question to OCWEN when I was writing them asking them for information at all. This information that OCWEN sent to you is false. OCWEN again is still not doing business in the State of Maryland by the rules, and that is why the State of Maryland is not letting the do business in this state. According to all of the information that I am receiving, I am not sure where my payments are going, but reading the information on the case file that Maryland put out, the XXXX # XXXX is a part of this paperwork and it looks like my money is going somewhere but not sure to whom or where it is going. And also I found out by an Real Estate Agent that this alleged loan was put in for 50 years which was revealed through a credit report they he pulled, this is something that OCWEN did not disclose to me. The things in my first QWR that I asked them for were not furnished to me or the CFPB. They stated that they WILL NOT RESPONED TO QUESTIONS THAT DO NOT RELATE TO THE SERVICING OF THIS ACCOUNT, BUT all of the items that I asked them to show be documentation for is related only to my account. So, I would like to know how or who I need to contact to get OCWEN to get me the information that I requested in the QWR that I mailed to them via U.S. Postal Service Return Receipt on XX/XX/XXXX. The second page of my letter show the items I asked them to provide to me. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
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 want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX XXXX XXXX XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In my credit report Trans union company changes my address every month. However i never change my address from 2 years and there are many unknown credit card accounts that does not belongs to me are showing on my report .some of them they removed and there are 3 accounts that are still showing on my report and continuously damaging my credit history. I called the XXXX XXXX, XXXX  XXXX XXXX   about those accounts that are belongs to them but they did not do anything. I have attached the account information of the credit card accounts that are unknown for me

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 2022-01-05
Company: Synovus Bank
State: NV
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:
My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX

Company response to consumer: Closed with explanation