BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 PayPal - negative {$8100.00} XX/XX/2020 Transfer P PayPal - negative {$8100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$8100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$8100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Credit report entry as charge off, when in fact it is a late payment. One results in 7 years impact, the other is 6 months. 

The late payment accepted was 24 days. 

BofA failed to send statement in final month, despite doing so the two previous months after insurance write-off.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-08-30
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 
1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX 

Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX   2017 , SPS was sent a Congressional Inquiry from Congresswoman  XXXX   XXXX  's office about issues related to their erro  neous assertion that they have servicing rights and therefore a financial interest in our home.
SPS has yet to respond to the Congressional Inquiry but   has scheduled a foreclosure sale for  XXXX   XXXX ,  2017 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted GM Financial for the 3 month in a row to ask if I could pay my payment by the XXXX of the month. It is due on the XXXX. This makes it 30 days late or more. They have agreed and state that my account would not be reported 30 days late to credit bureaus because of COVID-19 and I would be protected under the CARES ACT. I have to call in each month or file a complaint because they do not keep their word. This is impacting me trying to get a equity loan because my score keeps decreasing. It is very stressful that I have to go back and forth with this company. I have done what I was asked to do to make arrangements. I used the messenger on the GM Financial App and sent a message. I just want to not be stressed out by this and having to be stressed with COVID related health problems also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I emailed XXXX XXXX multiple times requesting verification of the amount owed to XXXX. They are requesting {$510.00}, but I have an email from XXXX stating I only had one payment left of {$97.00} that was sent on XX/XX/2019. I offered a settlement prior to finding the email about only having one payment left, and then I rescinded the offer once I found the email. XXXX can not or will not tell me how they calculated the {$510.00}. He did respond recently stating his client states the email only states how many payments were left not the balance which makes no sense. The email says 1 payment left of {$97.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$4200.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 have filed a dispute in regards to the incorrect item on my credit report. I received a letter from XXXX report # XXXX, showing that Portfolio Recovery Associates was deleted from my credit report. I checked my credit report and Portfolio Recovery Associates still show as a negative item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To  Midland Funding, LLC T his compliant is being sent to you in response to a complaint reponse sent to me on (  XXXX / XXXX / 17  ) Be advised this is not a refusa l to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ),  stating your claim is disputed and validation is requested.     This is NOT a request for verification or proof of my mailing address, but a request fo  r VALIDATION made pursuant to the above na
med Title and Section. I respectfully request your offices provide me with competent evid  ence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, If you do not c  omply with this request, I will immediately file a complaint with the Federal Trade Commission and the [  XXXX  ] Attorney Generals office. Civil and criminal claims will be pursued.     If your offices are able to provide the proper documentation as requested in the followi ng Declaration, I will require at least 30 days to investigate this information. Also during this validation  period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
Trans Union is reporting the date last active as XX/XX/2021, XXXX is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with XXXX but charged off that same month with XXXX? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2017-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a phone call in late XXXX from Macys notifying me that my bill was going to be over 30 days late. I authorized the minimum payment of {$360.00}. On XXXX XXXX I called Macys when I noticed that the XXXX had not cleared my bank. I went to my XXXX XXXX XXXX to confirm whether there was an attempt of this money to clear my account. There is no attempt and there was a significant balance available. My Macys statement shows that Macys tried to run the XXXX through my account ; but they could not and a reversal charge of {$27.00} was added to my account on XXXX XXXX. This is proof that I did authorize Macys to make the payment ; however, it was not processed.
Furthermore, I did not receive a call notifying of the issue. I noticed that it hadnt cleared my bank on XXXX XXXX and called Macys on XXXX XXXX. See my attached phone log. I dont recall the exact conversation but they didnt know why. I informed the person that I would send a payment {$600.00} via bill pay on XXXX XXXX. ( See attached XXXX XXXX payment history ). In this conversation, I asked the person if this would be reported to the credit bureau and she told me, No. Had she stated that it would be reported, I would have dealt with this immediately versus now. It was XXXX XXXX, when I had my credit run when I attempted to refinance my loan and learned of this recent reporting. While it is my responsibility to make timely payments, I made an effort to make a timely payment when youre credit office called me. That failed and I was not notified. I have attached my phone log, my XXXX XXXX XXXX statement for the month of XXXX and my Macys statement to show you that my payment for {$600.00} cleared my bank on XXXX/XXXX/17 and was posted to Macys on XXXX XXXX. This unfortunately is 3 days too late and you reported this to the credit bureau. I am disputing this as, I did attempt to make a timely payment in good faith and gave Macys authorization prior to XXXX XXXX, 2017.

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2017-06-15
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
1. A mount a.  XXXX  Check deposited  XXXX   XXXX ,    2017  b.  XXXX   XXXX ,   XXXX   called Discover Bank over check being mailed in due to fund 's not being available and make sure they did n't deposit the check twice, due to it was mobile deposit.   c. Check amount in ( a ) redeposited again  XXXX   XXXX  email  d.   XXXX   XXXX ,    2017  {$70.00} removed from my account and the positive amount account rendered to - {$57.00}.   e. Called Discover bank and they told me " they would return the funds back and what else they removed '' but have yet to do so.    2. Com plaint a. Already addressed situation  with ( Discover Bank ) and t hey have yet to keep there word.   b. They took over a week to make another small deposit into my account on  XXXX   XXXX ,  2017  of {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted all three XXXX, equifax and XXXX. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax and XXXX hasnt updated my credit since XX/XX/2021 Equifax still has old information on my credit

Company response to consumer: Closed with explanation