BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: AR
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 called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the XXXX XXXX account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX filing this complaint for false reporting misleading information

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 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I 've had excellent credit and in a strong financial position for over 15 years, however for the past 5 years I 've been unable to refinance my home. On several occasions I was told by the bank my loan did n't qualify for refinance and I had to be behind in payments to apply for HARP or other assistance program. After losing my job 3 years ago, my income decreases greatly. I exhausting most of my savings and had no choice but stop making payments to begin the HARP process. In the mean time I browed money from my retirement to pay mortgage when or if they approve me. It has been over 90 days and I was informed by my representative that my file has n't been reviewed. After expressing my concern about the process and what this has done to my credit score, I asked that they remove the 90 day or place an explanation on my credit report. As a self employed individual, it is very important that I maintain the excellent credit I had before starting this process. My representative filed a complaint to his supervisor to addressing my request and concerns as well as ask that my case be expedited to a supervisor in the underwriting department for review. I 'm very concerned that I now have a 90day on my credit report because they have n't reviewed my case, and they can still deny me for the HARP program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 non-monetary relief
Consumer complaint received 2015-07-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I was forced to file a complaint ( XXXX ) a couple of months ago because Chase bank failed to give me the British Airways points I was entitled to on my credit card. After you intervened, they fixed it. Now the same thing has happened on my XXXX XXXX statement. How many times do I have to go through this? I emailed Chase this morning and told them I would be canceling the card as soon as the annual fee again comes due if this were to occur yet again, but meanwhile, can you nudge them to give me the points I have earned? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mother in law passed away in 2014 before her passing she filed XXXX  XXXX bankruptcy which was discharged and included her home. My husband did not want to lose his childhood home so he was advised by the mortgage company at that time he could assume the debt of the home and be able live in the home. His name and my name were added to the deed and we obtained an attorney to do this. At the time of assumption we were advised the loan would not be in our names and not be on credit reports however they lied. We fought about that with the previous mortgage owner but they said there is nothing they can do. The home was and still under water when we assumed the loan. The home is in forebearance due to covid and decrease in my husbands income. I truly believe the bankruptcy amount that was discharged should have never and still should not be our debt. The debt we should be paying is the forebears ces debt only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2021-12-27
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1200.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8900.00}

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 2016-01-18
Company: Google Compare Credit Cards Inc.
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that 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

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 2020-06-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Both Experian and XXXX are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothExperian and XXXX on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from 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 explanation
Consumer complaint received 2022-10-15
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal accessed my personal checking account without authorization, in what I believe was retaliation for sharing my personal account of their facilitation of fraud. 

I am complaining about Paypal in the capacity of a consumer using its services.Not as a business. 

On XX/XX/XXXX I received a notice that a transaction made on my paypal account was being disputed. 

I provided evidence that the claim was false and Paypal agreed. 

But Paypal decided to decided to facilitate fraud and pay off the scammer from its own account, stating it would not take the money from my account. ( see attached ) I was not satisfied because Paypal was quite literally supporting fraud on my electronic account and not accurately representing the outcome of the matter. 

I complained publicly in a personal capacity about Paypal facilitating fraud. 

I posted on social media accounts and requested they provide additional details regarding their illegal support of fraud on bank accounts. 

Instead of answering my questions, Paypal retaliated for my public comments and illegally debited my account without any reason or authorization. 

This occurred in the capacity as a consumer. Not a seller. Not a business. As a consumer -- they stole funds from my personal account -- a debit completely unrelated to any open transaction. 

They just stole it. 

At this point, I do not believe Paypal will respond with truth, but I am hopeful the CFPB will look at the pattern of conduct across complaints regarding Paypal 's actions and investigate and audit it to identify how many victims and how many unauthorized debits it has made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this Discover Bank several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: IQOR US INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
THIS IS MY SECOND COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU IN REGARD TO THE COLLECTION OF MY STUDENT LOAN IN THE LAST TWO DAYS. THE NAME OF THIS LOAN ORGANIZATION WHO PROFESSES TO BE WORKING WITH THE DEPARTMENT OF EDUCATION IS ALLIEDINTERSTATE LLC. 
THEY HAVE JUST SENT ME A LETTER DEMANDING THAT I SUBMIT PAYMENT TO THEM FOR A DEBT IN THE AMOUNT OF {$43000.00}. THIS LETTER, DATED XXXX/XXXX/2016 ALSO STATED THAT BECAUSE MY CREDITOR [ THE DEPARTMENT OF EDUCATION ] CONTINUES TO ASSESS INTEREST ON THIS LOAN, THE ACTUAL AMOUNT OF MY DEBT MAY BE GREATER THAN {$43000.00}. THEY PROMISED TO LET ME ABOUT THE DISCREPANCY AFTER I SENT THEM THE PAYMENT OF {$43000.00}. I WILL ENCLOSE THEIR LETTER TO ME IN ADDITION TO SOME PAPERWORK THAT VERIFIES THE ACTUAL DEBT + INTEREST AMOUNT AS {$34000.00}! 
SO IN THE CASE THAT XXXX & ALLIEDINTERSTATE LLC. ARE NOW, BOTH PURPORTING TO REPRESENT THE CREDITOR [ THE DEPARTMENT OF EDUCATION ] IN ADDITION TO THOSE XXXX ENTITIES, THE DEPARTMENT OF THE TREASURY/BUREAU OF FISCAL SERVICE IS ALSO CLAIMING TO REPRESENT THE DEPARTMENT OF EDUCATION & ACTUALLY GARNISHING MY XXXX PAYMENT TO PAY-OFF THE SAME LOAN THAT THE XXXX & ALLIEDINTERSTATE LLC. ARE CLAIMING TO HANDLE!!!

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 2021-12-27
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello XXXX-I Am currently in a 72/58Mo Remaining, AUTO FINANCE LOAN with BMW FINANCIAL, N.A XXXX XXXX XX/XX/XXXX, XXXX Applied XXXX ( 6Mo ahead ), to the existing Loan. I Conducted a followup, and discovered a payment of XXXX was missing, and my wrong balance indicated XXXX Contacted " BMW Fin '', CSR, and was informed, and assured.. '' Not to Worry the payment is being applied to XXXX '' .Recently, On XXXX, XXXX Performed another followup, and my balance was wrongful decrease again-reflecting XXXX wrong extra payment has been pushed along, In upcoming XXXX ( Should reflect, XXXX Payments-NOV, XXXX, XXXX a XXXX ). 
According to the current balance Now in XXXX wrongfully XXXX ( Actually-four payments has been absorbed ). 
Apparently, as of present " BMW FINANCIAL '', Insist on manipulating this LOAN, To their unwarranted unorthodox advantage..And, I Am not going to stand for this prolonged Misuse, and blatant ripoff by BMW FINANCIAL Pertaining to this USED AUTO LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: AR
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 called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my 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 2021-12-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My full name matching my XXXX XXXX XXXX XXXX XXXX XXXX, of number XXXX. Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account just before the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account were settled. Futhermore, they took this money long before their said 180 days period elapsed. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard-earned money. 


PayPal transferred my whole {$8000.00} USD balance from my paypal account XXXX and took my hard-earned money under the Transaction ID : XXXX done on XXXX XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward to your reply. Thank you Warmly, XXXX XXXX

Company response to consumer: Closed with explanation