BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: Paypal Holdings, Inc
State: KS
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/2015, I received a letter from XXXX XXXX Bank XXXX Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on XXXX/XXXX/2015. 
They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. 
First of all, I opened a PayPal Credit account well over a year ago. It has a $ XXXX line of credit, and their system states that I have about {$1700.00} available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on XXXX/XXXX/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to XXXX months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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:
I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting 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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am writing to dispute  XXXX   XXXX  #  XXXX  on cr edit report number  XXXX  The balance listed on the account is incorrect. Please delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Paypal Holdings, Inc
State: ND
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal is a site that allows consumers to send and receive money. Paypal also allows consumers to purchase items among consumers and hold funds in their systems for days before consumers can use the funds. I accepted a payment from a consumer on XXXX/XXXX/16 in the amount of {$210.00} and paypal released the funds to me on XXXX/XXXX/16. On XXXX/XXXX/16 paypal took the funds I had available and now they are being held pending an investigation, making my account go into a negative state. Ive also tried to delete my banking information off of paypal 's site as I wish to longer do business with them. They will not let me close the account which has my personal information nor remove my banking info. Paypal is a financial bully and sometimes charge your cards and withdraw money out of your account without confirming with with consumer first. And finally paypal does n't have a system what readily lets consumers know their prices and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the Equifax information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Bay Equity LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

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 2022-07-11
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car, the car have been back to the dealership more than 5 times. I n having a problem with the battery and the etc. It's pulling on the car that makes it hard to turn. I need the credit information to be corrected. I never paid late. I have been try to make sure the car is driving safe. But, the pulling on my car is making it dangerous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I would like to make a complaint to U.S Bank Radisson Reward Credit card and its issuer. I have been owning this credit card since XXXX and been paying annual fee {$75.00} every year. When I opened this credit card, I was promised that I would get XXXX renewal hotel bonus points once I have paid {$75.00} annual fee. For year of XXXX, I paid {$75.00} annual fee on XX/XX/XXXX, but I have never received my renewal bonus hotel points. The annual fee is due for XXXX, but I paid my annual fee one month late due to the fact that I didn't receive my credit card statement either by mail or email. 

I have been calling them since late XX/XX/XXXX and early this year, every time when I called their customer service, I was told that they would investigate and get my renewal points back. However, I called and spoke to one customer service representative and two supervisors, I was told that I will NOT get my annual renewal bonus due to being past due for the annual membership fee. When I applied this credit card, I was told that I will get my renewal bonus points as long as I pay my annual fee. 

Also, when I tried to cancel this credit card, I was told that they can cancel my credit card, but I will not get my annual fee back. I was told that it's too late to get my annual fee back, but the fact is that every time when I called, I was told not to worry about my renewal bonus and they will issue my renewal bonus the coming month. If they told me I can't get my renewal bonus in late XXXX or XXXX, I would just go ahead to cancel this credit card at that time. I think they have been cheating, making false promise and having me to wait months after months. 

I have owned several credits cards from different banks or issuers, I believe U.S Bank is the only bank that try to do everything including cheating and fraud practice to gain at the expense of customer 's loss. In this case, I got nothing for having paid U.S. Bank {$75.00} renewal fee. I can't get my annual fee back even if I would like to cancel this credit card. 

I would like the help from your agency to help get my renewal bonus points back or get my annual fee back if they can't give me any renewal bonus points.

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 2022-03-15
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my credBy the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: PR
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 XX/XX/2019 I ask for a credit report form XXXX  and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX  and they fixed ; however XXXX did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use XXXX  credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX  show that all my history payment is good. 

Hope you can solve it because my credit its been affected by that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: R.M. Galicia, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do n't know who this company is I do n't owe anyone XXXX I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. 
Account number XXXX that 's all they gave me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2020 I applied for a secured credit card offer that was sent to me in the mail. I went into my local Bank Of America branch in XXXX XXXX Md located XXXX XXXX XXXX XXXX. I meet with relationship manager XXXX XXXX XXXX and applied for said secured card ( I had the offer letter with me ). I signed all documents and cleared Bank Of America to take {$300.00} from my checking account for the secured card deposit. XXXX XXXX who was very helpful in doing her part, expedited the process so that I would receive the card in the mail on that following Monday XXXX, I was happy to hear from her that I would receive the card on my birthday. As I waited I never received the card or heard back in any form from Bank Of America regarding the card. I later called Bank Of America by phone several times for them to tell me that they did not know why I had not received the card. And that i should contact the local Branch that I submitted my application. So I went back into the branch to speak with XXXX who was unable to find out anything. Two weeks go bye and XXXX 's supervisor XXXX gives me a number to call XXXX to speak with a rep from Bank Of America. I call them and they tell me they denied me and sent me out a letter in the mail on XX/XX/2020. No letter was sent out to inform me of anything. I actually have a service through USPS delivery daily digest set  up so that I received photos of every piece of mail that comes to my address. Which will confirm that Bank Of America never sent me any notice of a denial or approval for the secured card that they offered me. This is a violation of unfair practices on behalf of Bank Of America.

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 2016-10-09
Company: Flagstar Bank, N.A.
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Since my Financial issues 's back in 2015 XXXX, I have requested Loss Mitigation help twice from Flagstar my mortgage company. My mortgage was {$1500.00} and each Modification that went through only reduce my mortgage {$100.00} to {$1400.00} and i explained to Flagstar that if my mortgage could be reduce to {$1000.00} short term i could get back on track. After only having it reduced to {$1400.00}, i decided to hire a realtor to sell the home and i also advise Flagstar and sent in all letters and third party documents into Flagstar. Flagstar repeatedly never updated my file or shared notes with other customers service people at Flagstar. So every time i called to check on my case either i was missing a document or or my file was not updated. This has been going on for 1 year. Now i requested a Deed In Leu and mailed in all documents requested and i have been met with the same resistance of i 'm missing documents, or they did not get a complete packet and i 'm sick and tired of this run around with this company, all i 'm trying to do to avoid foreclosure is sell the house back to the bank but every time i turn around, I 'm given excuses that my packet is incomplete or i 'm getting letters telling me my packet is incomplete. I need help i just want to get rid of the house from my divorce,.

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 2019-10-20
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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