BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
For more than a year ( since  XXXX    XXXX   indeed ) I have been unable to login to my  Paypal account as Paypal restricted my login with arbitrary and illogical reasons, and as I moved and changed my landline phone number, I can not receive the nonsense automated phone call to my original phone number on file with Paypal . In addition, I have a balance of around  XXXX  Euros that I am unable to withdraw because of this unexplainable limitation and the most regrettable matter is that I can not send or receive payments via  Paypal. Besides, my bank account can not be used for another Paypal account as Paypal does NOT allow the same bank account to be used in more than a Paypal  account, which is really a stupid limitation!   I point out that NOBODY other than me entered my Paypal account  XXXX  XXXX  XXXX  and if Paypal suspected of an unathorized access, that is erroneous!

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 2016-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I want to have a mortgage with Chase. I have got a commitment letter. However, the rate is rather high as I compared with XXXX. I asked Chase if he can give me the same rate as XXXX. Chase said that is the best rate he can offer me. So I decided to switch to XXXX. 
I have paid {$500.00} for the application disclosure including appraisal fee. But when I want to have the appraisal copy, he can not give me because the appraisal itself has not been done yet. I am now using XXXX to get my mortgage done. 
I have requested through email on XX/XX/XXXX. Chase 's lender gave me so many nonsense explanation, such as ... 
1. He will ask the underwriter to send me the copy. 
2. He said give him a few days more. 
3. He said the appraisal is in the commitment letter. 
4. He said he never charge the appraisal fee. 
5. He asked me to contact processor do one for me. 
6. On XX/XX/XXXX email, he said to me not to worry and will order the appraisal very soon. 
My question is can I get my money back from Chase because I know that they can not give me the copy. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
keep getting letters from this company for services at  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
With all due respect, I now understand from speaking to "  XXXX  '' with TransUnion on  XXXX / XXXX /  XXXX   at about  XXXX  PM she advised me thatTransUnion validates this information from the  US  Bankruptcy Courts. I ask was she very sure and she assured me that was correct information. I specifically asked if you ( transunion  )  called   XXXX   to validate or verify this info and she said " NO '' this information as either obtained through the Courts itself or through a  XXXX  party provider by the name of  XXXX . Having said that, I reached out to  XXXX  and they advised me that my file there was locked so then I sent a certified letter to the courts and received a letter back stating they DO NOT provide Bankruptcy status ' to the Credit Bureaus, please find the attached document. I would now like to know How was this really verified, whom at your company verified this information, what date this information was VALIDATED, and the steps involved in " VALIDATING '' information from a dispute. I have gotten different answers every time even through the CFPB.     I would like for TransUnion to VALIDATE this as being accurate and provide me all documentation that made this Bankruptcy Mine.     I hereby request a Full Investigation of this and expect to have results within 30 day as this is the time allowed under the Fair Credit Reporting Act.

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 2017-04-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we calle d Wells Fargo to  get a payoff in full amount to pay of the mortgage, paid it off on Tuesday  X/XX/17    to get a phone call from them telling us it was about   XXXX short!!!! !!!   Then we pay that and they charge a fee!!!!!!!!!! of  XXXX !   we are so glad to be done with this horrible company.

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 2017-04-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I did not apply for Credit with SYNCB listed on my  XXXX  Report. I sent in a request for physical verification that the SYNCB Inquiry listed on  XX/XX/15    was in fact something they could prove I applied for and they sent a response saying they are unable to provide the proof, but then also refused to remove the inquiry from 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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.

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 2017-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked over and over to have Transunion to removed all non account inquires off my credit report due to the fact that I did n't not give my permission to have my credit ran, I am within my right to have them prove to me by mail that I show my signature or recording to have these inquires on my credit report by these non account holding companies

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the 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. Please remove the following items completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX XXXXX Balance {$2600.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}

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 non-monetary relief
Consumer complaint received 2018-07-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Chaplain Financial Services LLC
State: ND
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On  X/XX/17    at  XXXX  CST I received a call from (  XXXX  )  XXXX , a number which originated in  XXXX   XXXX  , FL  according t o caller ID. Upon answering, I heard a message saying the call was from " Chaplain Financial Services '', and this message was intended solely for Me, and if I was the named party, I should press  1.  I did as instructed and was greeted by a female who identified herself as "  XXXX   XXXX  ''  ( o r  XXXX   ).   XXXX   XXXX  informed me she was calling from " Chaplain Associates '' and that her client was in the process of filing "  XXXX  allegations and  XXXX  complaint '' against me with my  local county c ourthouse, and that they were just calling to get a statement from me. She then asked " so, you did n't pay back the loan, right? Why did n't you pay it back? Did you lose your job? '' - It should be noted that at no point did  XXXX   XXXX  inform me that this was an attempt to collect a debt, and any information gathered would be used for that purpose- I informed  XXXX   XXXX  that I did not wish to make any statement on my own, but rather if they needed a statement that I would allow my attorney to make a statement on my behalf. She asked me to repeat what I had said, so I did, and then she said " well we just need a statement in order for these  XXXX  allegations and  XXXX  complaint to be filed against you with your local court ''. I asked  XXXX   XXXX  what she meant by "  XXXX  allegations and a complaint '' and she said " it means our client is attempting to have you charged with Theft by Taking and Passing Bad Checks. I asked  XXXX   XXXX  if she was familiar with the Fair Debt Collections Practices Act, specifically Subsec tion 807 whic h says The following conduct is a violation of this section  : ( 4 ) th e representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person ... as well a s ( 5 ) :  The threat to take any action that can not legally be taken or that is not intended to be taken, and that an individual can not be charged with " Theft by Taking '' for the alleged nonpayment of a debt. She replied " no one is saying you 'll be arrested, just that we 're trying to have you charged. But you seem really on point with all this, so we 'll go ahead and move forward with filing this with you r local county reco rder, and you better get legal representation ''. I replied " well thank you for the legal advice, you seem to be an attorney '' at which time she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: FL
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:
There's inquiries on my credit report that I didn't Authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2017-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since   XXXX   no lender has been able to access my credit an error is returned "  XXXX  '' through my own research I found this is an error code triggered due to a mis-match between my SSN #, name and address. I have faxed the requested to Equifax, however over the last 8 months and so many calls I can not get anyone from Equifax to fix the issue because of their ineptness. as a  XXXX  person I 'm trying to get a mortgage so I can move into a more suitable home that is more accessible for my  XXXX . I have a contract on a home however the lender ca n't pull my file due to this issue. TIME IS OF THE ESSENCE as my closing date is rapidly approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Other

Complaint:
Everytime I make a payment to my credit card ( Barclays Bank XXXX Card ), they withdraw the funds from my checking account but do n't record it to my credit card until 7-10 days later. 
They 're obviously holding my money. Is this legal?

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 2017-04-13
Company: Navient Solutions, LLC.
State: IL
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:
I have made two payments to my student loans and none of them have been posted on my account. One payment was made on XX/XX/2017 and the other one was made on XX/XX/2017. This is not the first time I have issues with the lender not posting accurate information on my account having to call them so that they give me a reasonable explanation and a promise that they would take care of the problem. They have excluded a payment from my account once and made me go to my bank to ask for a letter as a prove of the bank transaction with them because they could not track my payment in the system. Therefore, this seems to be an ongoing problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

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 2022-04-30
Company: FIRST HORIZON BANK
State: TN
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 paid off a HELOC I had with your company over 2 months ago and yet, it is still showing up on my credit report as open, with a balance. Please accurately and correctly report that the account has been paid in full and closed. The account was paid and closed XXXX XXXX. 
I called First Horizon recently and they instructed me to send an email to this address with the following information Full name : XXXX XXXX XXXX. 
Account number : XXXX Social Security # XXXX Mailing Address : XXXX XXXX XXXX. 
XXXX, TN XXXX Dispute : Account has not been updated to credit bureaus since XXXX XXXX. It's been nearly 3 months and the loan has been paid off and closed. Proof of credit report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: TN
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:
these are unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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