BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi CFPB, on XXXX I received an email from Paypal saying that they close my Paypal account and that my balance ( XXXX EUR ) would be retained for 180 days and that if at the end of those 180 days had funds available for withdrawal, they would be made available for transfer. 

They never specifically told me the reason for the suspension because they don't say specifically what the reason and which point of their contract I broke. 
On XXXX, I received an email from Paypal with the subject " Status of your Paypal funds '' in which they said that my balance remained as a reserve amount. 

On the XXXX, I received an email from Paypal with the subject line saying that " You are already a recognized seller '', receiving congratulations from Paypal for that. " Congratulations! You are already a recognized seller. '' If I am recognized, why do they close my account? This makes no sense. 
It so happens that yesterday, when I logged into my account, I noticed that my balance is at XXXX and the 180 days have not even passed ( they only end on XXXX ), and I see that Paypal, without saying anything to me, made a transfer to themselves on XXXX alleging " NoteXXXX EUR ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal damage caused by violation of Acceptable Use Policy ''. 

They transfer without my knowledge? With what reason? 
Then they claim damages caused by violating the PUA, but what damages? At no time was there a complaint regarding any transactions on my account, nor any type of chargeback on my account. So, what damage did I cause you to withdraw XXXX from me? 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a XXXX chargeback rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws. That being said I have no problem with, and agree to leaving a balance for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Verify This invalidated account XXXX  Account Number : XXXX Please remove it 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 2022-04-08
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Medicredit is double reporting medical debts. There are XXXX debts reported XX/XX/2022 for {$110.00}, {$120.00}, {$150.00}, {$170.00} The same amounts are again reported on XX/XX/2022. Now instead of XXXX collection accounts, I have XXXX. I have called the company and they are unable to give me an itemized bill for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Home Point Financial Corporation
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: Account information incorrect

Complaint:
Homepoint Financial is reporting my mortgage late XXXX  days as of XXXX XXXX. Mortgage was paid in full, closed on XX/XX/2020. This is preventing me from obtaining a new mortgage and risking excessive interest rate hikes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Despite numerous attempts with my homeowners insurance company ( XXXX ) and Lexis Nexis, I have been unable to secure my insurance scores and credit scores that are used to determine my auto and property insurance premiums. 

In doing research regarding my property insurance premiums, I have found that I am being charged double what comparable properties in my neighborhood are being charged. This despite my property having a lower insured value and higher deductibles. 

Both XXXX and LexisNexis blame the other organization for not being able to furnish my insurance scores. 

All factors equal, it appears that I have been overcharged ( compared to neighborhood properties of greater value ) at least {$750.00} per year over the last 3 years. 

I have spent countless hours trying to remedy this situation and am being actively blocked from receiving reports and or any derogatory information in my files that determine insurance premiums. 

Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in a XXXX XXXX XXXX case, which is where the debt came from. Although verified and the agency has not contacted me since, this debt remains on my credit reports. And this has been reported as XXXX XXXX XXXX, but on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-20
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft. On XXXX XXXX, 2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
{$480.00} overdraft fee in XX/XX/2021. 

On XX/XX/2021, I just spoke with the accounting specialist and collection specialist concerning my unemployment situation and asked them what my options are available to prevent the NSF fees. They said they can set up {$480.00} payment plan once the {$480.00} is posted then I can call back and request a payment plan next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: GreenSky, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with Greensky in XX/XX/2019 in the amount of {$56000.00} for a construction project. After 29 months of consistent payments the balance is only down to {$46000.00}. My payments each month are {$880.00}. The merchant that originally connected me with Greensky told me the interest rate was 9.99 %, but 50 % or more of my payments are going toward interest and not principal. According to their site, I have now paid {$11000.00} in interest and only {$9700.00} in principal. Clearly that is not 9.99 %. If I had a clear understanding of how this loan was going to work, there is no way I would have agreed to this. I was mislead by Greensky as well as the merchent that connected me to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-10-16
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Capital one bank is charging overdraft fees of {$35.00} per overdraft in this historic event and they have NO COMPASSION!!!! They are horrible, they will not take off the fees, it is infuriating!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX months ago i received a message from the three credit bureaus that a new collections was reported on each of my reports for {$230.00}. I do not know, nor have I ever heard of the third party agency, nor the original creditor, nor did I receive any letter from either of these parties claiming I owed any alleged debt or notice to cure. I disputed with all three bureaus to validate the authority of the entity to collect on the alleged debt. Two bureaus replied that the debt was not validated and removed from my credit reports. The third, XXXX, refuses to validate the alleged debt. I have challenged it three times requesting they validate the debt yet they respond within a few days saying the debt is verified. I did not request a verification, i requested a validation, and they continue to ignore my request and return what they wish to return which is outside of the scope of my request. 

I am asking the CFPB to contact XXXX and request they validate the alleged debt according to the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the month of XXXX  I spoke to a representative from XXXX XXXX. I explained to them I wanted to close the account. Concluding that conversation, I expected the account to be closed. The third week of XXXX I am looking over my credit report and notice a late payment for the month of XXXX from XXXX XXXX. I immediately contacted them and they stated that they have no record of me calling to close the account. I disputed the information with Experian and XXXX XXXX refused to right their wrong. This company targets people trying to build credit. The customer service is horrible, that is why I wanted the account closed.

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 2022-01-20
Company: EQUIFAX, INC.
State: MN
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 am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had car XXXX XXXX XXXX with them I had the car accident in it the car someone hit me the gap insurance an d their insurance paid the rest and they want remove it off my credit Exeter fianc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have requested a many time over to have access to my main Transunion Credit report, but to no avail. I've only been allow to access my credit report using " XXXX  '' and " XXXXtransunionXXXX  '' that are both sub-standard access to our credit report activity. 

And after bring the math together which took a few years, I now know why I've not been able to gain access to the main Transunion.com credit access. And what makes things even worse, I've over the past couple of years have been PAYING for the XXXX Transunion access, but still not allowed access. 

It turns out, some other operation has been using my XXXX Transunion, and I'm believing its something that Transunion has been aware of. I won't mention how I found this out, but the past 3 months or my putting things together has confirmed why there are so many other transunion accounts and why we have not been allowed to access the XXXX Account. But after finding out why its being used, this should be a criminal act. Because Transunion has been participating in sharing what its is supposed to be keeping private. I have the proof!!!!!!!

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 2022-01-20
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am unable to pay for my loan because I had to file a Bankruptcy and take an early Social Security of only a little bit over {$700.00} a month. When I do find a job The I.R.S. taxes me and I have to pay instead of getting a refund. Navient told me I could get a Repayment plan according my income. They told me its approved and the the next month send me a bill for {$700.00}. This goes on and on month after month and my loan went from {$36000.00} to {$42000.00}. When I try to get my I.R.S. Tax return information online I can not retrieve it .I am XXXX years old and am living on Social Security and a part time job of 15 hrs. a week .Every time you try to contact Navient you get a different individual and nothing gets accomplished. I am not trying to get out of paying my loan, but I do not understand why I can not pay a small amount and keep the intrest down. Illinois Attorney General XXXX XXXX has filed a Lawsuit against Navient and when ii ask them about it they will not respond. 

What kind of Options do I have? 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
Account name : # XXXX. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: JPMORGAN CHASE & CO.
State: GA
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:
Chase Freedom Card : I am being charged late fees on waived late fees. It is a rip off and despite speaking with a Chase supervisor, they contend that waived late fees form non waived balances due. In other words, they mislead card holders into compounded new late fees. 

It is what XXXX and day lenders do to run up debt. I hope you can look into this practice and issue them a reprimand or embarrass the company to stop this practice. 

I have been a Chase account holder for decades. This behavior is causing me to rethink my former loyalty and wonder what low income families must be doing when they are faced with similar circumstances. 

Thank you in advance for your potential assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to resolve the matter with this Company Rausch , Sturm , Israel , Enerson & Hornik LLP with an agreement to pay off the debt that I own on my Credit report and it is XXXX dollar. The problem is they I want negation settlement agreements for the amount of {$3000.00} they did not send me evidence of the settlement agreement to pay off the settlement agreement debt to show I paid them off. The company wants me to accept the verbal, agreement not a document settlement agreement and that is very wrong to do. This company has too many complaints with the XXXX XXXX XXXX about make a verbal agreement and take people, money and sell their debt to another Law firm. This Law Firm files legal action against a consumer when they want to give them money over phone verbal but they want to accept document agreement they have a history of sell consumer debt to other law firms and make people pay over again what they already resolve the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Jefferson Capital Systems to settle a debt I had with XXXX XXXX  We verbally agreed upon settling for half the owed amount ( {$500.00} ). I gave them my debit card information and was charged {$250.00}. Great. Problem solved. Tuesday, I received a letter in the mail from a new debt collector requesting to settle a balance from Jefferson Capital Systems of {$250.00}. I feel like they sold a settled debt.

Company response to consumer: Closed with explanation