BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2017-01-19
Company: Paypal Holdings, Inc
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Paypal Holdings, Inc
State: IA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Paypal account existing since 1998 and responding since then to my XXXX email ( per the Paypal user-naming requirements ) refuses to set a default settlement account per user account settings. Paypal conceals a policy of defaulting to its own preference of valid settlement instruments. 
Specifically, Paypal accepted a brokerage account as a settlement instrument, and also accepts settlement through XXXX XXXX ( debit account ), but refuses to allow user preference of XXXX XXXX instead of the brokerage. Since the brokerage has been dormant for over one year, Paypal 's seizure ( or concealment of joint ownership ) of my accounts and destruction of my XXXX XXXX default settings preference has caused over {$100.00} damage to my XXXX brokerage and threatens to continue this abuse of my finances. 
Paypal seized both my entire sales property on Ebay ( listed " as is, '' and " no returns '' ) and also related sales proceeds, which I agreed to pursuant to account termination. Paypal also permitted Ebay to assess me additional costs of the return transaction, without my knowledge and to the injury of my account defaults and my personal finances. 
Please advise me as to whether I need to terminate my relationship with Paypal, as Paypal has already informed that it " defaults to settlement with more prestigious '' instruments/sources and keeps secret from Paypal applicants ( as in my case ) its discrimination against debit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent account appearing on the consumer report in my name, listed as follows : XXXX XXXX. 

The account is fraudulent, the debt held on the account does not belong to me, and it is appearing on the report as a result of identity theft. I have instructed the alleged creditor of these inaccuracies and demanded that they refrain from reporting anything about me. I have provided the credit reporting agency with the Federal Trade Commission ( FTC ) Identity Theft Report as well as a sworn and notarized affidavit attesting to the fraud on XX/XX/2022. 

I was never provided with proof of this account and its debt belonging to me as outlined in the United States Code, by the alleged creditor or the credit reporting agency. The account was removed in XX/XX/2022, and subsequently reinserted to the consumer report in violation of 15 USC 1681c-2 on XX/XX/2022. 

I was not provided with notification of the reinsertion of the fraudulent account in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). I have already begin to feel the affects of the fraudulent reinsertion in the form of a denial of credit.

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 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a double payment by mistake on XX/XX/XXXX and called Bank of America customer service to report this and to refund my overpayment to my checking account. After more than a week, I called again to report it had not been done. I drove to my local branch and they made a call and said it would be a few more days. It has been over 2 weeks now and I am still trying to get the money refunded to my account. Everyone keeps telling me it is being reviewed, but I am not getting any action.

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 monetary relief
Consumer complaint received 2015-05-01
Company: Genesis Lending
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Started school in XXXX XX/XX/XXXX and my College, XXXX XXXX in XXXX, had me secure a private loan from Genesis Lending. I have been paying on this loan since the day I started school. I received a letter a few months ago in regards to XXXX being bought out by XXXX XXXX. It stated that part of the purchase aggreement was that these private loans that XXXX had through Genesis would be reduced or forgiven. I have spoken with Genesis several times to find out the status of my loan and have been told that they are still going through the loans and will contact me when they have more info. I called Genesis on XXXX/XXXX/XX/XX/XXXX after not hearing from them and I was informed that my loan did not qualify for a reduction/foregiveness as it was sold to XXXX at some point. They could not tell me who XXXX was or when my loan was sold. I have XXXX loans with Genesis Lending. The account numbers are # XXXX and # XXXX. I would like any help in finding out why after the XXXX XXXX XXXX fining this school and the agreement by the purchasing company why my loan is still has not been addressed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: SYNCHRONY FINANCIAL
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 have over 20 years of credit history and have never missed a payment. In XXXX of XXXX after having moved states I changed my banks. I had a balance on my Lowes credit card which I have had for at least 10 years. I paid this balance to XXXX  before changing banks because I had autopay for the old bank. A few weeks later I returned a few items which created that balance causing a positive balance in my account. I eventually updated my auto pay and a few months later I found that Lowes reported that I missed a payment. After hours on the phone with various Lowes representatives in XX/XX/XXXX I was told there was a 2-day period which I was charged interest on, this did not show until the following billing cycle. I told them that I had a positive balance and they said it was their error and it should not have tried to charge the old autopay and should have taken the fee off the surplus in the account. I was advised that they would adjust my credit reporting, but this has still not happened. We are talking about less than a dollar in interest charges and when I paid the account before changing banks, I clicked on pay in full, plus I had a credit on the account. Can you please help me, this has negatively affected my perfect credit which was over 800.

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 2019-12-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vanderbuilt mortgage and finance is inaccurately reporting a mortgage as being paid for less than amount owed. Originally they had reported it as a foreclosure, then after contacting the CFPB they changed it to settled for less that amount owed. I refinanced my VA loan away from Vanderbilt mortgage and finance in XX/XX/2019. I paid off Vanderbilt mortgage and finance with a new conventional mortgage with XXXX XXXX XXXX. Vanderbilt is incorrectly reporting on my credit report. I paid off the principal balance of the loan plus attorneys fees when I refinanced. I am unable to qualify for a mortgage loan now because of the inaccurate reporting from Vanderbilt. My home was not foreclosed on. Vanderbilt mortgage and finance provided a payoff quote to my new mortgage company that they paid directly to them. XXXX XXXX XXXX has had to be contacted twice to get Vanderbilt to abide by the agreement made with us, to accept payment in full and discharge the lien on my home.

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 2018-01-23
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i had a idenity theft happen to me and somebody i knobelieve it is paid off my mortage without my concent and then about a week later they called in and pretend to be me and had the payment be reversed which now just put me behind on payments, now not only are they fight me about a payment that ws made by me and will not put it towards my balance but they are giving me a very very very rough time on working with me on something that happened and that was not in my control or my fault so they will not work with me to fix this so need help and i want whiever is responsable for also giving out my personal informatiom to pay for what they did and punished to the full extent including charges and being fired thank you for your time and concideration also if you have a fax number i can send over the rest of everything i have

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 2022-07-22
Company: Experian Information Solutions Inc.
State: MN
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:
Hello CFPB, I've filed disputes via Experian 's web portal regarding incorrect names, incorrect addresses, incorrect employers, Experian pulling my report without my consent 2 to 3 times each month which caused my FICO Score to drop XXXX points, and the email I received states they can not review/correct my information without me sending them copies of my passport, my state issued ID and copies of my utility billings and or insurance billings. What does their request have to do with Experian pulling my credit report 2 to 3 times each month so that my credit score continually drops with each of their pulls? ( XXXX point drop in XX/XX/XXXX ) I've already provided Experian with my Social Security Number, my address for the past 6 years, my Date of Birth and my Full Legal Name. Not all of my requests for Experian to correct the incorrect data in my file, have been completed nor have they reinstated my FICO Score. I also want my FICO Score back to XXXX as of XX/XX/XXXX, which is where it was prior to ALL of Experian 's inquiries on me - Experian should not be allowed to go into my credit file and drop my score, XXXX to XXXX times a month. And I shouldn't have to purchase their XXXX product to stop these inquiries by Experian. I'm not delinquent with my creditor ( XXXX ) nor have I ever been late making a payment, nor have I paid interest to a creditor since prior to XXXX with the exception of my mortgage. My debt is only 3 %. So again, please put my FICO Score back into the XXXX 's- which is where I was prior to Experian 's constant inquiries. Thank you, XXXX

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 2020-06-17
Company: Experian Information Solutions Inc.
State: IL
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/2020 I wrote a letter to Experian asking them to verify inaccurate information on my credit report from two accounts, XXXX XXXX and XXXX XXXX. They have failed to verify the inaccurate information and remove them from my credit report. They have failed to comply within the 45 days allotted to investigate. I have wrote to them on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response. I am asking to file a formal complaint against Experian for complete disregard to FCRA regulations.

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 2016-07-14
Company: Mortgage Research Center, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We contacted Veterans United Home Loans for a pre approval loan. XXXX XXXX XXXX did not set the expectations of this transaction from the beginning. He approved our loan and then waited nearly 30 days to inform us about down payment and student loans which appeared, I feel, out of the blue once we did not use the realtor because she does not work with " for sale by owner ''. He simply responded with a " My bad '', and did not offer any counseling services, or discussed if we qualify for any programs. XXXX XXXX used the excuse of the XXXX looked like an XXXX which is just a rank, he had the proper financial documents from the beginning. We had already scheduled and paid {$500.00} for an inspection and mailed our {$1000.00} earnest money. we were under the impression everything was going smooth until loan officer XXXX abruptly told us unless we had XXXX to pay off my student loans he could n't help us and I 'm offened that he used the phrase my bad, feel the way he brought up the XXXX down payment was used as a way to quickly get rid of us ... this is a home purchase that I thought was going to go through, now I have no place to move to and need to get my children registered for school. My husband has served this great country XXXX. Did I mention we had already scheduled transportation of our household goods to the city where our home was supposed to be. Now I 'm staying with family. There is no way this this serviceman and his family should be without a place to live. Please look into this matter. We were treated unfairly! 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: FORD MOTOR CREDIT CO.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
FORD Credit failed to post my payment of {$2000.00} to my account. This check cleared my bank on XX/XX/XXXX. As they use a reader/scanner to deposit the check there is no back image available from the bank. I had to FAX XXXXnot email ) a copy of check # XXXX that has cleared my account on XX/XX/XXXX. In addition I have had to attach the screen shot of my account showing check # XXXX clearing my account. This check was mailed on XX/XX/XXXX WITH THE PAYMENT COUPON ENCLOSED!! The call center refused to help without the back of the check. clearly I can not provide what does not exist. 
Given the lack of assistance I received with the FORD call center I will be moving this loan this week. I know I can receive decent service from my local bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!

Company response to consumer: Closed with explanation