BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

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 2020-12-27
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

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 2022-03-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2020-12-27
Company: I.C. System, Inc.
State: CA
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:
From the company 's response I have concluded that they are still presenting false information about my complaint. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature. ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted 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 explanation
Consumer complaint received 2020-12-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
To whom it may concern, I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I processed a transaction through PayPal. I only learned after the transaction that PayPal automated the wrong account ( an account that has not been used in several months and had since been closed ). Immediately, I processed the transaction with the current bank account ( resulting in a duplicative payment for the same thing ) and called paypal right away to state that they were not authorized to use my old, closed account as an automated preferred method of payment for the first transaction. My recent paypal transaction history is clear as to which account is supposed to be automated ( the current, open account ).

Within minutes of the first transaction being processed, I tried to have paypal cancel that transaction, which they refused. I had no choice but to file a dispute that same day, XX/XX/XXXX, which was later denied. Today, I went to pay a different merchant and I only learned in my email confirmation that they UNILATERALLY added the {$160.00} negative balance they credited against me for the wrongful transaction that they honored on XX/XX/XXXX, which results in paypal charging me in a completely unauthorized way. I want paypal to refund the {$160.00} for the transaction that they should have canceled on XX/XX/XXXX, as requested. 

The upload shows the dispute that I filed the same day the wrong transaction was processed since PayPal simply wouldn't cancel the payment. They denied my dispute, yet later charge me for it. Another upload shows what I saw when I paid a merchant ( at no time did it state that I would be paying for extra charges related to the previously disputed transaction ). I only learned of it via the attached email confirmation sent AFTER they charged me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
All correspondence is saved emails, vmail, and texts which can be uploaded when requested. 

XX/XX/2021, TCF rep offered competitive terms. I asked to lock rate. We discontinued working with two other home mortgage lenders whose terms were close, but not as good. 

XX/XX/2021, my wife and I signed rate lock form, and uploaded all supporting materials required. 
XX/XX/2021, TCF retroactively unchecked the rate lock box on the DocuSign document, lost supporting documents, and repeatedly asked us to resubmit, which we did. 
XX/XX/2021, TCF filed an exemption on our behalf to retrieve their prior terms. 
XX/XX/2021, TCF approved exemption, but at a higher rate with altered/worse terms. 
XX/XX/2021, we relented to the new agreement, signed the DocuSign to finalize loan approval, pending appraisal alone. 
XX/XX/2021, we resent appraisal billing information for approval because TCF lost it again. 
XX/XX/2021, I called and verbally submitted appraisal billing information again, because TCF lost it a third time. 
XX/XX/2021, payment ran. 
XX/XX/2021-XX/XX/2021, fraudulent transactions occurred on same card ( the card was never previously compromised ). 

XX/XX/2021, appraisal completed. 
XX/XX/2021, appraisal finalized and submitted. 
XX/XX/2021, we received appraisal, and it landed in excess of loan requirements. 

XX/XX/2021, XXXX, TCF rep emailed us a communication stating that underwriters have changed our agreement, and added after-the-fact requirements, asking for additional redundant documentation along with a hand-written, signed, and dated letter of need. 
XX/XX/2021, XXXX, we completed their new list of demands. 

XX/XX/2021, TCF  rep will not respond to call, email, text. 

To date, no explanation or apologies have been offered by any TCF representatives. No offer for the opportunity cost and time-cost damages have been offered or mentioned. No timelines or estimates on closing dates have been communicated. Obviously, we have no assurance that our sensitive information has been kept secure, no evidence that TCF honors their good faith contracts, and no clear communication whatsoever. The expiration date for the second rate lock DocuSign is approaching in about two weeks. 

What is our recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.

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 2020-12-27
Company: Paypal Holdings, Inc
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I am a PayPal user. 

PayPal limited my account since XXXX and they said they will force me to wait for 180 days before they could allow me to have access to my money. 

I accepted it and waited for 180 days. PayPal sent me an email on XXXX XXXX, 2020 that my funds are eligible for withdrawal and they said I could transfer it to my bank. 

When I signed up for a PayPal account, I didn't link a bank account or my debit card to my PayPal account. 

Currently I have {$10000.00} available for withdrawal in my PayPal account but PayPal does not allow me to add a bank account or card to withdraw my funds. 

They said said that after the 180 days I should be able to withdraw, but the 180 days is over and PayPal sent me an email asking me to withdraw my funds but then they don't allow me to link my card or bank to withdraw my funds to. 

I need this to be resolved and for PayPal to allow me to link a bank and a card to my PayPal account and withdraw my funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have medical insurance and should not owe a medical bill, requesting proper validation again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi. I received a call last week from Wells, Fargo Home Mortgage that my loan modification was denied due to my loan being over {$720000.00}. 
Yet, in XXXX, 2015 I was told to send them documentation to do a loan modification on my mortgage in the amount of {$900000.00}! 
XXXX XXXX from Wells, Fargo just sent out a letter dated XXXX XXXX, 2015 that my loan was denied since I did not respond to them. This is not true. I called and was told that my loan was under review and they sent me letters to the effect. 
We have less than XXXX days to a sheriff sale. This is unfair banking practices. 
In addition, there is a whole web-site on the internet about how Wells, Fargo Home mortgagehurts the consumer by continually switching account executives and not helping clients go through the modification process. Please take a look at this web-site. It tells you exactly what I have been going through. 
Please help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is 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 2016-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Earlier this month Wells Fargo Bank froze and closed my checking and savings account due to suspected fraud because my boss had me deposit some checks for him. Rather than the bank notify me or simply reject the deposit they have closed my accounts without releasing the funds and reported me to XXXX for suspected fraud. Since this occurred My other bank closed out my checking account and the new bank I tried denied me. I want this removed from the system somehow as it was not fraud and I am not in a financial position to hire a lawyer to sue them for all of the harm this is causing as I can not access my money that was in the accounts and have not been able to receive my payroll as there is no bank to route it to. Please help me I do not know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation