BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or around XX/XX/2021, Paypal decided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulent transaction that was not even with pay pal it was with my primary bank, but my debit card from my bank was linked to my pay pal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessful XX/XX/XXXX XXXX, paypal respond by informing me that they had allowed me to accesses my account to my funds. I have not been able to get into my account. I have contacted customer service multiple times, I was informed on XX/XX/2021 they would mail me a check and as of today XX/XX/2021 still have not received a check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm a XXXX XXXX here with an excellent credit history. I received several pre-approved offer letters from Wells Fargo, none mentioning anything about residency status. I applied and I got rejected for the reason " Not a XXXX  XXXX XXXX  ''. I wouldn't have applied if I knew XXXX  XXXX  was a requirement, and I expected them to be informed of such a requirement before applying. Now I have a hard inquiry on my account with no credit card to use. I was thinking to get a new credit card during COVID and I chose Wells Fargo only because I had the offer. I would like someone to address this issue, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
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: Information belongs to someone else

Complaint:
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft. Equifax,  XXXX , and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am attaching  XXXX  copies of their responses to this complaint along with yet  XXXX  police report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.

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 2020-04-19
Company: Experian Information Solutions Inc.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2021-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the credit report XXXX, XXXX XXXX XXXX Account number XXXX has violated my right. 


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

15. U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the multiple requests I sent. However, any modes of response or coordination were not taken on their end. The EQUIFAX Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a car from this company in XX/XX/XXXX. I was promised a 3 month warranty. I was told that if anything went wrong within the three months that they'd fix my car for free. The morning after I bought the car, I started having issued and I returned it back to the dealership for repairs. I have an email with all paperwork to prove it. A couple of days later I got my car back and it was still experiencing old and new problems. For two months I begged the company to fix my car and they refused to do anything more to it although I was rightfully within the three months. Although the car had issues, I understood that the payments were reporting on my credit and that's why I HAD NEVER MISSED A PAYMENT. You can review my credit report to see that I had always made on time payments. One day towards the end of XX/XX/XXXX, going into XX/XX/XXXX my car had completely shut off at a red light. I was stuck in-traffic and I had to have my car towed to my home. After that, the car never would start or move. I called the car company and asked them to fix it and they refused, so I made my payment and VOLUNTARY asked them to pick up the car as there was not any use for it. After the car was picked up a Representative named XXXX XXXX ( XXXX ) called and told me that I was right and that there was terrible issues with the car and that it would start start when they picked it up. XXXX said that they could fix it for me and give it back because he realized what the company was practicing was wrong and unfair and he also said that I had great payment history.I never heard from XXXX afterwards. I sent him an email following up with our conversation and he never responded. I asked this company not to report this to my credit and they not only have but they are putting false information on it as well. The car was repossessed in XX/XX/XXXX. On my credit report they saying I missed a payment in XX/XX/XXXX and that the car was " involuntarily repossessed in XX/XX/XXXX. Also they say that I have also made payments on this car in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. How could I have made these spontaneous payments on a closed account and on a car that's been gone 2 years? Also, please show me the receipts and forms of payments I have used to pay. I demand that this car and balance and company is removed from my reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently blocked my account on XX/XX/XXXX and XXXX XXXX after receiving money from a family member who stays and works in XXXX, she sent me {$2100.00} and collected their shipping cost and the remaining amount now is {$2100.00} They asked for a receipt and I did send them the receipt used to make the payment and after their reviews, they permanently limited my account and my money is there and they won't allow me to transfer my money. 
I created my Paypal account when I traveled to XXXX XXXX XXXX where I heard of it from a friend before returning to my country and I've been using it since then. 
I need this money in this pandemic and XXXX is fast approaching too. 
I need the help of the CFPB to get my money out from my Paypal account. 
This is affecting me in a very short bad way and causing me many inconveniences. 
I didn't use the Paypal account for any fraudulent act I need to pay some bills with it. 
And this is my email address for the Paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bridgecrest financial company is engaging in business practices that have prevented me as the consumer from paying off a simple interest car loan early. The unfair business and accounting practices include : 1. Failing to applying 6 different principal only payments totaling {$5600.00} to my loan timely and 2. Adding back the simple interest of the loan when the principal payment is made causing my account to enter into a " payment due '' or arrears status. All six principal payments were made between XXXX and XX/XX/2019. On eight different ocassions, I have called Bridgecrest customer service speaking with representatives who have either failed to rectify the situation or who have started retaliation efforts by locking my online account. After each conversation with Bridgecrest ( XXXX, XXXX, XXXX, XXXX, and XXXX ) and a promise that my account will be brought current, the only actions taken have included again misapplying 4 principal payments and alerts that my account is in the arrears. A full accounting statement was requested from Bridgecrest on XX/XX/XXXX, but has yet to be received. A second request for a full accounting statement was again requested XX/XX/XXXX. This company 's unfair and unacceptable accounting practices prevent consumers from paying off loans early and can potentially damage their credit ratings. The FTC should investigate these practices as consumers will need lawyers to recover monies from overpayments and erroneously reapplied interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX  # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer is the Gregory Funding LLC. The origignal lender is-XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All my mortgage payments made until XX/XX/2020 were hid, converted and never reported/disclosed by the Lender to all 3 Credit Bureaus XXXX As a result of COVID-19 global health outbreak, I was hit hardest, struggle with extreme hardship, as indicated in attached letters. I asked the Lender under CARES Act for the Forbearance or other repayment plan. Three times I mailed a full package substantiating the proof of hardship attached with the Forbearance Agreement. The Gregory Funding LLC and XXXXXXXX XXXX XXXXXXXX received, verified and confirmed full satisfactory evidence for further processing. Thereafter the Lender defrauded and cheated me, by accelerating a Forelosure proceeding. Please review the attached and contact the XXXX. Please review the XXXX website for alarming records of other victimized homeowners complaints against the Gregory Funding LLC. That raises a red flag. The Government keeps a blind eye over this suspicious company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CMG MORTGAGE, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was browsing for vacant land for sale. One real estate site required I create a login to continue browsing so I did so. The next morning I had an email from a lender with a mortgage company asking if they could assist me with a home purchase. I asked how they got my information from XXXX XXXX and they said they were a preferred lender and when someone registers on the site they pair them with a lender. Isnt trading my personal information and giving leads to a mortgage company a thing of value under RESPA rules? The lender and mortgage company is XXXX XXXX, Mortgage Loan Officer NMLS XXXX, CMG Financial NMLS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an unwelcome notice from TransUnion of a XXXX point decline on my credit report. This change occurred because an entity named " XXXX '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that TransUnion remove the inquiry but was told they need a deletion letter from the company that made the inquiry. 

I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to XXXX XXXX, even though I am not their customer, but did not get satisfaction. 

I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else. 

XXXX XXXX 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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In my previous complaint ( Case number : XXXX ) I issued against Bank of America I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was placed as an authorized user on a credit card without my consent. I have never used this card from XXXX XXXX XXXX XXXX. I have been writing Equifax for over a year to remove this item. I have also been writing XXXX XXXX XXXX XXXX. The account was charged off and I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX Account # 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 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