BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: Echelon Financial, Inc.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Goldencreditscore.com and realtystore.com are both fraud companies. Seem to be playing with customer 's money!!! I was looking for rent to own properties and got a call from this website. They said if i pay {$1.00} they will send me details of few properties as per the details i gave. After paying this amount they vanish and start charging your card {$49.00} and {$49.00} from XXXX different website accounts. As soon as you notice and complain they dont try to justify but just cancel the service. THEY SEEM TO BE RUNNING BUSINESS BASED ON THE FACT THAT LOT OF PEOPLE DONT NOTICE AND ON THE FACT THAT THEY ALWAYS HAVE LOT OF MONEY OF CUSTOMERS IN FLOAT WHICH THEY CAN USE!!! PLEASE SHUT DOWN SUCH FRAUD COMPANIES & gt ; Golden Scores , LLC XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-04-15
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:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2016-06-27
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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  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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-11
Company: Payfare International Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XXXX who manages XXXX XXXX is holding onto extra funds and they claim the extra funds are a preauthorization from the merchant. I made a payment using XXXX XXXX by linking my XXXX XXXX card to my XXXX XXXX. The hotel I live at, billed my XXXX XXXX for {$51.00}. XXXX is holding an extra XXXX XXXX claiming that its a preauthorization from the merchant. I have verified with the hotel and XXXX XXXX that this is not true. I have a receipt from XXXX XXXX for the {$51.00}. The merchant did not preauthorize for a greater amount. The hotel is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
If you will notice this is the exact amount charged off by stage XXXX  I was under the impression it was gone XXXX this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without XXXX XXXX men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Residential Credit Solutions, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I had a mortgage modification agreement with our mortgage servicer, XXXX, that stated that if we made XXXX trial payments at the agreed amount our modification would become permanent. After making the XXXX payments XXXX informed us that the modification agreement would not be honored because they claimed there was a judgement against our home. We made several visits to the county court house and was told that they could not find any judgements against our home. When we contacted XXXX to inform them that the county court house found no judgements on our home they told us that our loan was being transferred to a new servicer, Residential Credit Solutions, we then contacted RCS to ask if they would honor the modification agreement we had with XXXX and was told we would have to apply again for a loan modification. RCS made it clear to us that they would work with us and not foreclose on our home. After submitting the new modification package to RCS we were told it take about three days for them to reach a decision. About a week and a half had passed by with no word from RCS, so we called them and was told we were missing some documents, a couple days later we sent them the documents and several days after sending the documents we were served with foreclosure papers. The following day we received a letter from RCS stating that our loan was being transferred again to a new servicer, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I reviewed my credit report to prepare to buy a home in XX/XX/XXXX for my growing family now that my wife is XXXX  with our XXXX  child. I became aware that my identity was stolen and used to open various fraud accounts so I sent certified letters to each credit bureau to dispute and delete the fraudulent accounts. Tracking confirmations were received and I gave the bureaus more than enough time to review and delete the items. I have paid a monthly membership cost of {$29.00} to XXXX  for months and another {$24.00} to XXXX  and Equifax for months now keeping my credit reports frozen and locked. I have now spent a total of {$300.00} in mailing in my letters to each bureau and it is now XX/XX/XXXX. I have never gotten a response from the credit bureaus and it has been well over 30 business days since they received my items on XX/XX/XXXX. Tracking : XXXX XXXX, XXXX : XXXX Equifax and XXXX : XXXX  XXXX. I just reviewed my credit reports again and there are no changes in my file and now I have to wait longer before buying our home next month due to my rights being violated as a consumer with the FCRA. This is not right and I am now filing a complaint with the CFPB to expedite this matter and have these fraudulent items deleted immediately from each credit bureau. Thank you for your help so I can provide for my family as my wife is now due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}

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 2020-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card was with Wal-Mart when it was switched to Capital One. I had auto-payment with Wal-Mart but the auto-payment was discontinued when it was switched to Captial One and I missed two payments and accrued late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-05
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
All Concerned, Through Coinbase, I manage my digital cryptocurrency wallet. After submitting my personal information, which identifies me as living in XXXX  XXXX,, I proceeded to submit my ID for verification purposed. My ID is issued from the State of Hawaii. Hawaii does not have an agreement with Coinbase for the trading of Crpytocurrency ; however, I indicated in my profile I am a permanent resident of XXXX  XXXX, even if my drivers license does not reflect that. 

Subsequently, because Coinbase assumed Hawaii as my residency, I have been locked out of my account and unable to transfer any money out. I have approximately {$3000.00} in value that is being withheld from my possession. Coinbase has not responded to any request for support regarding this specific issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a PayPal Credit account with a payment due date on the XXXX of each month.  A few years back, I called to ask them to move the due date to the last day of each month as that is a payday for me.  I was told not to worry about it, and that as long as my payment was made on the last day of the month, I would not be charged a late fee.  I logged in this morning to find out why my balance hasn't gone down much lately and I find that I've been charged XXXX late fees, totaling $XXXX, in the last 2.5 years.  I called customer service this morning to try to alleviate the problem and was told that they would only waive XXXX fees, unless I could tell them the exact date in which I spoke to the representative who informed me not to worry about the payment due date.  I obviously could not come up with the exact date from a few years ago.  There is no way that I would logically be OK with paying a late fee almost every month and not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NC
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:
Ive not been contacted by the creditor, when I saw the issue on the report I contacted the company XXXX  XXXX, when I called them they couldnt talk to me as they stated my social security number did not match, Being the personal information does not match and Im not XXXX years old this is not my account. This should be removed from all the credit bureaus immediately. 
I will look at civil action against the bureaus and or creditors if this is not removed.

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 2022-04-15
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: Information belongs to someone else

Complaint:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2016-06-27
Company: Paypal Holdings, Inc
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was charged interest ( {$19.00} ) by PayPal for my PayPal credit account, which I believe should not have been charged. On my PayPal online account, it states that the " amount to avoid Standard and Deferred Interest '' is {$240.00}. It did not state that credits/refunds paid back to my PayPal Credit account would not be counted towards this amount. The explanation provided next to the " amount to avoid Standard and Deferred Interest '' did not provide ANY NOTICE to a customer that refunds/credit back received to the account would not count towards this amount. Because I had several hundred dollars worth of refunds come back to my PayPal account, I did not believe I needed to make an additional payment towards the amount of {$240.00} ( in fact the total payments and refunds back to my account was {$520.00} ). I was then charged interest and upon calling PayPal was told that actually, refunds and credits do not count towards the {$240.00} amount. I said that there was no notice of this on my PayPal statement or in the explanatory box next to the {$240.00} amount ( pictures attached ). Had I known, I would have made the additional payment necessary to avoid interest. Most other bank credit cards take into account refunds/credits towards the interest payment. I said that now that I know of this policy, I will take that into account for my future payments, but I should not have been charged the interest this time. PayPal simply said this was my problem and they were n't willing to do anything for me. This is incredibly upsetting, not only because I have been a PayPal customer for a long time but because I believe a customer should not be charged this interest given this lack of fair notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank is USAA Federal Savings Bank. I have been a customer for over 12 years. The bank allowed access to my checking, savings, and insurance accounts. Within minutes someone had taken a little over {$800.00} out of my accounts. I received notification via email that my car insurance id was ready to access as well as a quote for car insurance. I had not called the bank to do these actions. So I then called the bank but could not access the automated information due to it not recognizing my zip code or other personal identifiers previously in place. When I spoke to a representative I was told the account would not have the changes take effect to the insurance and it seems as someone called in as me. I was travelling so I ended the call but attempted to check my mobile app to determine if my bank account was touched, I was able to access via the app at first and found that there had been transfers from my savings and another checking account into a main account at the bank that I had not authorized. I immediately called the bank back again and after a 30 minute wait to speak to a representative was disconnected during a transfer to security. I had to call back again and waited approximately 30 more minutes to speak to someone again. I advised them that I did not authorize any change, transfers, or withdrawals other than a gas purchase and food purchases not over {$10.00} and wanted to file an unauthorized access to the account. When I advised them that I was travelling for the holiday and I needed my funds, not to let anyone take the money they advised they would allow me to get to an ATM to withdrawal funds. However, my card did not work with the PIN and then I was told the money I saw minutes ago on the app was no longer there because of a XXXX Transfer. I had not authorized a XXXX transfer I had been on the phone within minutes of the unauthorized access due to the account alert from the insurance access. I was stranded during my travels and told it would take 3 - 5 business days before I could access the money or get anything back. USAA would only apologize even though their records show they provided unauthorized access ( they called it suspicious caller ) to my account. A representative made a comment after reading the notes in my account " Oh this is bad ''. They apparently sent a Power of Attorney to someone but I received no form in my email account, which the caller could not even provide the correct email address per the representative. I would like to request the notes on the account so I can read what actually happened. There is a Freedom of Information Act which should allow this. My paycheck will be deposited and I will not be able to access it all due to someone being provided access to my account over the phone and online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}

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 2016-07-28
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
PayPal credit open an account for me and there was an immediate charge of {$82.00}. I called over 3 times to try to get an answer for why this was done to no avail. I cancelled the credit line and did sign an affadavit. I was told very nastily that I better pay this amount plus a finance charge and {$25.00} late few. I see that they have paid you a fine of {$25.00} XXXX. I think that they are up to their old tricks. Account number that has been cancelled I hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called the bank and they can not find my account. They told me that means the account was closed. I never closed the account.

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