BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to do a modification with Selene Finance. The modification started at my previous bank, because of the reduction of income during the pandemic in XXXX, but my bank sold the loan to Selene. However, this bank has been really inconsistent dealing with the paper work. One agent said, " Yes, I have all of your documents, '' the other one said, " No it's incomplete. '' I have used different methods to send this paper work, one of them via email, and they said some papers were not legible, and then I used Priority Mail which apparently they said, yes they received it, others said no. I have noticed that they are not helping me, but are doing things to deceive me. Then I asked for a repayment plan and one of the agents gave me the quote to pay 7 payments, plus monthly payments for 6 months. I agreed and they gave me 24 to 48 hours to make I the payment. I did it, before the 24 hours were up. Then I decided to call the bank, and two of the agents said that the person I had spoken to was not entitled to that decision, she needed a XXXX 's approval. The next agent gave me an XXXX number, and an account number and the payment was returned, I sent it by a wire transfer and they returned it back to me. After that, I was really upset and called the bank, they said that I needed to make 12 payments instead of 7. Today I called the bank again, two days later, and now they're saying they need the 14 payments. They sent the new modification papers but I am afraid they will just initiate foreclosure. Right now, I am willing to make 12 payments to my account, however, I am afraid this won't work either because of the inconsistent communication. I have read reviews from this bank, and to my surprise, they have horrible reviews and horror stories of families who have been affected by their lack of credibility and customer service. Please, help me with this situation because I feel this bank is not taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
During the night of XX/XX/XXXX somebody took control of a dormant XXXX account and ordered {$64.00} using a " payment agreement '' connecting that account to PayPal. The existence of this agreement with PayPal was not properly disclosed to me by PayPal. 

I was in XXXX at the time ( returned the next day, boarding pass available upon request and sent to XXXX ). 

PayPal summarily dismissed my case. Saying that it met my prior purchase patterns. Not true, I may have ordered 4 times total from XXXX since 2017, when this payment agreement was supposedly established. I also complained to XXXX and said they will investigate. 

My complaint is against Paypal for two reasons : 1. Not properly disclosing existing, old payments agreements that are a real danger like in this case, and 2. For not properly investigating when they claim they offer " fraud protection ''. I haven't used XXXX in years, and suddenly a charge appears and within minutes the hacker tries to take control of my XXXX account by changing the email ( I fortunately immediately catched that and cancelled my XXXX account ). PayPal 's fraud protection claim is misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

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 2022-08-23
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: Their investigation did not fix an error on your report

Complaint:
In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX  XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX. Payment of {$500.00} auto payment setup by XXXX XXXX ACH payment to Sychrony bank or Paypal Credit. Listed as Paypal Trace Number XXXX Also see letter from XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I received an letter from Paypal credit stating my payment on XX/XX/XXXXXXXX  was returned and that it will be placed back on my account and may be subject to late fees. I checked with XXXX XXXX XXXX XXXX ( XXXX  ) and the {$500.00} payment was deducted and ample funds was available. I called Paypal and they said they need to see a front and back of the check and XXXX said they can give me a letter, but do not have a front and back since this was an XXXX or ACH electronic payment. I have also attached a copy of the email verifying that I have made a payment to Paypal from Paypal credit. They have given me a Temporary credit, but they will only accept a front an back of check. I have included my bank statement that proves the payment was deducted and paid. Not returned as stated by Paypal. This has happened to many customers based on line. I am reviewing my statements from Paypal for the past two years to see if it has happened before. I do not want the charges to be placed back on my credit card account since I will be paying off the balance and closing the account. Please investigate for this should be a violation of XXXX XXXX act of XXXX. I am not looking for monetary, but justice that this will not happen again.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to all three credit bureaus regarding the account that is listed below : XXXX XXXX Now this account is open but is not reporting information to each credit bureaus. I have sent in dispute letting each credit bureaus know that the account they are reporting inaccurate information. Each credit bureau has different information that they are reporting. When if the credit bureaus are getting the same information from the same furnisher, then how is that they all have different information. 

I have sent each credit bureau the credit report that shows that each of their credit report is showing different information. 

I have highlighted, sent in a dispute letter and provided them with all the information, and they are still reporting that the information is accurate, and they have updated, and it shouldn't be updated. Because they have not reached out to the furnisher about if the account is accurate or what information that need to be reported.

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told this company to cease communicating with me and they are communicating with me indirectly. In the fair debt collection practices act section 803 it states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and an indirect communication by this company is reporting to my consumer 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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I recieved a text message from BOA asking if I had approved a transaction at XXXX. I texted back no and I got a response of someone will be in contact. I missed the call 10min later so I called the number ( BOA on caller ID ) back. It was the BOA hotline number so I decided to hang up and take care of this after work. About 5 min later I got another call from same BOA number and I answered it as I had verified the number was in fact BOA. On this call I was told there was a lady named XXXX who was trying to transfer money with my XXXX from my savings account. This guy walked me through how to secure my XXXX with a new number and then we did some transfers of {$1800.00} ; {$1300.00} ; and {$400.00}. I recieved texts from BOA with codes and I did not share those codes with him but he still could walk me through EVERY step. The next day he called back ( as he said he would ) and he said we now had to transfer those funds back and gave me another XXXX number. I stopped recieving texts from BOA at this point and he got wierd. He said he would call back a XXXX day. He never called. At this point I called BOA ( XXXX. XXXX, XXXX  ) and talked to a XXXX. I asked " How do I know that this guy was actually with BOA? '' She said she saw an employee number attached to my account as having talked to me andso I had in fact spoke with some one from BOA. The only thing she saw wierd was I had a notice to go to a banking center with 2 forms of photo ID. I went the next business day ( Monday XXXX XXXX ). At this point the lady at the banking center called teh fraud line and we filed a complaint. We opened a new savings account and I was told I would get my money back as this was " clearly a disgruntled ex employee who knows how to hack. '' I was denied my claim 10days later. I called the fraud line again and the lady that time said " you need a scam claim not fraud '' so we refiled my claim. She said she saw the money was sent to a XXXX bank and they would work to get money from XXXX Bank. This scam claim from BOA was denied as well and we recieved another letter stating XXXX bank also denied giving us the funds back. That was today XXXX XXXX, 2022.

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 2022-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
When I use XXXX, Citizens Bank Credit Card treats the charge as a cash advance and charges me {$10.00} plus interest for each transaction. XXXX says it's Citizens fault and Citizens says it's XXXX. I get nowhere with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
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 received an email from XXXX XXXX  that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( citizens bank ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-07-30
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written rights.

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 2022-12-07
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Having no other option, due to my complaint about my credit union to this organization leading to their retaliating against me using the XXXXXXXX XXXX thus preventing me from obtaining a new checking account anywhere but Chime which has a XXXX limit on mobile deposit ( the check the employer provided was for XXXX ), I had to cash a check from my new employer with Charles Schwab with whom I have some checking accounts I have not accessed in years. I cash the check with XXXX 's mobile deposit, it goes through and I open a new account with an attached VISA card as the funds were intended to purchase equipment necessary to do the job itself. Now I can not access the account at all, the login says that access has been suspended and upon calling XXXX I was told they couldn't tell why access had been suspended. 

I have also filed a FINRA complaint, assuming you'll simply tell me to do that regardless and being on the cusp of homelessness and needing to start employment promptly, I would prefer the matter to be solved as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have 3 Names reported that are not correct. And 25 Addresses and 13 phone numbers.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 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 an account without my written instructions. 

XXXX was paid off on XX/XX/20

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