BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is bits and piece from all the years we have owned our home. My wife and I have been trying to find out why we owed escrow and refused to pay it until they could tell me what it is for. We received one notification from their lawyer after I requested that they help us get in touch with someone. Instead we got a notification that we never received from the TD Bank and still had no answers. I tried calling again and still one person said we owe nothing and another said we owe it but can't tell me why. I spoke to a manager who still could not tell me what they paid and when they paid it and the amount. I told the manager if they could not give me an answer I was not going to pay it. They did this immediately after giving us a modification. You would think they would look into this an call back. Instead we got the harassing phone calls about us owing money and we need to pay it. I would tell them when they called that I wasn't going to pay until we know what it was for. They have yet again put us behind because we are not going to pay for something that we don't know what it is for and as of XXXX they have started to refuse the agreed amount in the modification, because we did continue to pay that amount. Now we are being offered a recast but they included my taxes and insurance which we did not request nor want. They have destroyed my credit even more yet again when all I was doing was trying to get back on track. And just recently they sent me XXXX different individuals information and someone mine. We are overall not happy with TD Bank and just want to get away from them as soon as we possibly can, which is all we have been trying to do since we bought our home in XXXXXXXX. We requested XXXX and death insurance on the mortgage and when we noticed we said something within a few weeks of signing we went and saw the loan officer and she said you never said that and there is nothing that we can do about it. And guess what 6 months later I became XXXX and that is when all the more problems started with TD Bank because I was the sole provider for my family. I have tried seeking a lawyer but have not had any luck, so we have been stuck in this repeated circle with TD Bank. I would like someone to schedule a time and day with us to come to our house and discuss everything with us so we can not keep having these issues and we can build our credit and get away from this nightmare of a bank. There are many more issues within this bank because none of this is a first time for us alone. Like I said there is more but I don't have the time to write about all of it. Especially how some of their employees treat costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Empowerment Ventures, LLC
State: WV
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
My payroll is advertised to be deposited up to two days early. My employer submitted my funds to RushCard yesterday. They advertise when you call on the automated system that they post funds immediately when funds are released to them. I called customer service to ask why my deposit is late as it shows by XXXX each pay date. I spoke with a rep at XXXX. to ask why it was late and she responded she does n't know why I would be worried my money was missing. I asked for a supervisor immediately and she would not transfer me. I asked for another rep and she hung up on me. Now im worried because this happened before and my hard earned paycheck is missing and I have been hung up on by the company who I trusted my money with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Despite requests for validation of the amount of the debt collector is trying to collect, the debt collector does not respond to my request for validation. Below the letter I have sent the debt collector : " In previous occasions I have requested a validation of the amounts you 're trying to collect, which are thee accounts amounting to {$380.00}. I do not recognize these accounts and I do n't have an account with your client. In accordance with the FDCPA, I am requesting a validation of the alleged debt as follows : Please provide a copy of the following documents : 1. A copy of the agreement with your client that authorizes you to collect this alleged debt. 
2. A copy of the agreement that bears my signature I allegedly promised to pay the original creditor the claimed amount. 
3. Complete payment history and equipment return credits for this account to prove that the amount you wish to collect is accurate. 
4. You license number issued by the North Carolina Department of Insurance that allows you to collect debts in this state. 

If you are unable to validate the amount claimed, with the information requested in items 1 to 4 above, or find out that the amount claimed is in error please proceed immediately to delete the account from your records. All information requested must be provided. Any information provided to the CRA must be deleted too. Failure to properly validate the debt will result in a complaint filed with the FCPB and, the NC Insurance Department and/or filing a lawsuit in Federal Court. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I made a purchase on XXXX and used PayPal as the money transfer service. I selected my credit card as a funding source. However the funds came out of my bank account. Upon calling PayPal, I was informed my card was denied by their internal risk model yet I was not notified of this at the time so I could therefore change my funding source to a secondary credit card. I did not want this money coming from my bank account. PayPal offered no resolution and therefore I am stuck with the funds being debited from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Paypal Holdings, Inc
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
This is a complaint against PayPal Credit for an unauthorized hard credit inquiry. It is not a complaint about sending money. 

I recently applied for a home mortgage and was surprised when my lender questioned an inquiry on XXXX/XXXX/XXXX from XXXX/PPC which I later determined to be XXXX/PayPal Credit. While I do maintain an account with PayPal Credit there had been no activity on my PPC account around the time of this *unauthorized* " hard '' credit inquiry. Additionally, my balance with them at the time was {$0.00}. 
This hard credit pull caused a delay in my securing a mortgage and I had to sign paperwork at closing attesting that I was unsure of the nature of the inquiry. Companies ca n't just randomly pull " hard '' credit inquiries, can they? 
Around late XXXX XXXX or XXXX XXXX I logged into my PayPal account and sent a message via their secure message center demanding an explanation of the inquiry. I never received a response. Additionally, messages older than 90 days are not displayed on the message center.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. 

I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. 

I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. 

According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Account Number XXXXXXXX XXXX  Account XXXXXXXX XXXX Account Number XXXX, XXXX Account Partial Account Number XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681 Section 623 B Section 2 : The Information is, in fact, still inaccurate.15 U.S.C 1681 section 609 A : Every Consumer reporting agency shall, upon request, clearly and accurately disclose to consumer :

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 2022-11-06
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Mariner Finance , LLC has XXXX different accounts reporting to the credit bureau with all different information that's hurting my credit report. 
account numbers- XXXX XXXX XXXX, XXXX XXXX XXXX The issues that I am having is that Mariner Finance is listed XXXX XXXX with different information. The amounts posted are not the same XXXX account states a balance of {$6800.00} last activity is different and payment history is wrong. The second account states a {$0.00} balance with Highest balance {$9600.00} stated that the account was closed due to Refinance. The last account states {$0.00} balance with Highest {$9800.00} which states the account was closed because of refinance. Mariner Finance only reported the XXXX accounts to XXXX and XXXX. I have requested that I the consumer be sent verification of this debt and haven't received anything. As a consumer my rights have been violated by this company buy putting fails information on my credit report. 

15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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 2016-03-03
Company: SQUARETWO FINANCIAL CORPORATION
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help 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 2021-03-18
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with ATT that I paid monthly through my att portal login. 

After i paid the balance in full, i received a credit reporting alert from Experian notifying me that a collection was added to my account. 

I pulled my report and a company I have never heard of SUNRISE CREDIT SERVICE, was listed as a collection. 

I called the SUNRISE CREDIT SERVICE immediately, and explained that they have erroneously reported as a collection on my credit report. 

The representative said that I should call XXXX I explained that XXXX  has nothing to do with SUNRISE CREDIT SERVICE reporting as a collection on my report and XXXX XXXX XXXX needs to remove this error immediately. 

I contacted XXXX  to inform them of the situation. They opened a case and was suppose to contact me with a resolution by XX/XX/XXXX. 

XXXX  never contacted me back with a resolution. When speaking with XXXX, I told them I have always made payments to XXXX and I have no knowledge of SUNRISE CREDIT SERVICE.

When I checked my report, a few days later, SUNRISE CREDIT SERVICE, updated that I had paid them in full.

SUNRISE CREDIT SERVICE is reporting untrue information. I never received any correspondence or any information about this company. I had never spoke with them, nor paid them any amount. I did not know this company even existed. 

I have my XXXX statements that show I made all payments to XXXX  through their client portal, as I have for years. 

SUNRISE CREDIT SERVICE needs to remove their name 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 2022-11-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$66.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NO : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX LA XXXX, XXXX This company is publicly known for fraud. It takes almost XXXX effort to investigate and discover this. https : XXXX After more than six weeks after filing a dispute Amex rebilled me for a fraudulent charge from this merchant but failed to provide any evidence or documentation that the charge is valid as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I sent my son {$25.00} via CashApp, which he never received. It was sent to his original account linked to his old telephone number. His phone number was changed but he still had access to his Cash App account up until he had his phone replaced and had to reinstall the app. During this time, I sent him {$25.00} he never received because both his phone and new telephone number was not linked to his old account. I tried to resolve this since I was the sender and he tried to resolve this since he was the intended receiver. We have both been unsuccessful with their steps for verifying his identity. They have essentially told me that there is nothing they can do on my end and suggested he create another account without any investigation or transfer of monies to his new account. Meanwhile, my money is sitting in his virtual account. There is no live person to speak with and I have chatted with several assistants and have even asked to escalate my issue but they refuse and have closed all chat sessions with me. 
We have taken every step or recommendation they've asked and each step or recommendation has led to nowhere except back into another chat session.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: SCOTTRADE BANK
State: PR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Have an account with Scottrade for years. Suddenly after all the fees, they keep on processing trades then tell me I am longer able to be part of the Scottrade family. The problem they said I was bumping prices. I have had a small account, ca n't really raise the stock price, but on their end they have ask and bid prices which are XXXX lot of time. I see them completing trades below the ask prices, what a bunch of crooks.

Company response to consumer: Closed
Consumer complaint received 2016-11-04
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have purchase a computer on XXXX on XXXX XXXX XXXX for the amount of {$540.00} and selected paying with a XXXX XXXX Account option that allowed me 12 months of interest free payment. I have never received a bill for that transaction until I 've received a collection call on XXXX XXXX XXXX. 

I was informed by a collection agent that I now own them {$730.00} which includes the original amount plus interest fees of 25 % plus late fees. After conversation with multiple agents, I find out they were sending the bill to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, an old address I have n't lived in for over three years. However, the original order invoice shows my correct billing and shipping information. 

I was also informed the company pursuing the charge is Paypal Credit, which also operates under the name of Bill Me Later and XXXX Preferred account. 

Since I moved I have also updated my address on both my XXXX and Paypal.com accounts long before that transaction. 

Because the transaction was originated from XXXX, and under XXXX preferred brand, I was giving the impression was I doing business with XXXX. The use of multiple brands is confusing and it is was not clear I was doing business with PayPal credit. 

Because the order was placed with the correct billing address, and I have updated my address information on both XXXX and Paypal websites, I believe there was a failure to send bills to my current address, which qualifies as a billing error under the Fair Credit Billing Act ( FCBA ). I am not disputing the debt, however I should not be responsible for financial penalties and interest charges as I never had the opportunity to pay for that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Financial Credit Service, Inc.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was called by a company called " ARA ''. Their representative left a voice message on my cell phone and also called my wife 's cell phone from XXXX XXXX. I do not owe this company any money and this appears to be a scam, so I reporting this information for the CFPB to take action. I do not have any debt issues and have perfect credit and payment histories on all my current accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus.

15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio
ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SQUARETWO FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters

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