BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have been a customer with PayPal for a year. I signed up for PayPal to sale goods on XXXX. In XXXX of XXXX I sold approximately {$1800.00} worth of merchandise on XXXX. The money was placed on temporary hold until customers received their items. I sold an XXXX, XXXX, XXXX XXXX. The money for the items were released. I deposited the money into my bank account. PayPal reversed the payments and limited my account for additional information. I submitted identity verification, proof the items were delivered and receipts for the items. However, PayPal stated that it was risky and that {$1100.00} would be on hold for 180 days. Despite the customers stating everything was satisfactory with their items I sold them. I was evicted from my apartment and was told not to submit anymore request for my money. I am currently residing in a homeless shelter and only have access to my email. PayPal only claims they are holding my money to protect against chargebacks and that me selling my items below market value is a sign of risk. However, I have sold nothing but electronic items on XXXX with no issues. I sold them at a price that customers would buy them and what other sellers were selling them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: TX
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 requested information that was being reported to my credit report on XX/XX/XXXX. XX/XX/XXXX I sent out another letter requesting an update. It is XX/XX/XXXX and i have yet to receive an response on requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job XX/XX/XXXX but paid my mortgage until XX/XX/XXXX when severance and savings ran out. I called to ask for options and was told a Loss Mitigation package was required. Thus far, I've submitted at least 4 completed packages to Freedom Mortgage. I've called them every week since XX/XX/XXXX to follow up with these packages. Each time I'm told that I didn't do what they wanted. Each time I'm told that my emails weren't received. Each time I'm told that something is wrong, or I was told wrong information. 

About XX/XX/XXXX, I asked to speak to a supervisor because a woman who thought I wasn't connected ( internal transfer ) was trash talking me as I was listening. XXXX attempted to help me because the packet submitted in XX/XX/XXXX was declined, because THEY SENT THE WRONG XXXX version to me to complete. Each time it has been a failure of their employees to do the work. Each time has been because email doesn't work. Faxes are converted to email. Emails are then scanned into their system. 

Following dates are items that I have sent to keep up with their terms that everything must be 60 days current ( dated and signed ). XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I lost my job, but I'm now employed. I have more than two months of house payments saved. I'm not able to pay them anything because they sent my house to Foreclosure department and I'm only hanging on by a thread. I've complained, pleaded and begged for someone there to get this done. I want my house. I don't want this to go on anymore because they can not run a company correctly. Every month is a struggle with stress, emotions and constantly calling them. NO ONE CALLS ME TO EXPLAIN. It is only when XXXX was in contact with me that I got moment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sent a {$10000.00} check to Caliber Home Loans on XX/X/2016 and wrote on it " Apply to Principal ''. Never the less, they did not and according to my mortgage broker Caliber owes me approx {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A person unknown to us withdrew from our Citibank XXXX XXXX Account { Account number : XXXX ] a total of {$4200.00} by issuing two checks to himself, drawn on his account at XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ; XXXX ]. 

We have copies of both checks. They were issued on XX/XX/2022. 
( Check images attached. ) The first check is for {$2300.00} and made out to XXXX XXXX XXXX [ from XXXX XXXX XXXX ], XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. It is marked for emergency. 

The second check is for {$1900.00} and also made out to XXXX XXXX XXXX from XXXX XXXX XXXX and marked emergency payment 2. 

We did not authorize the withdrawal or payment from our Citibank account and do not know the person whose name is on the checks. Our debit card was never missing or lost. We did not authorize any withdrawal by this person or his bank. 

As of XX/XX/2022, the {$4200.00} taken from our XXXX XXXX account has not been returned to us.

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
Consumer complaint received 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For the past 4 months I am repeatedly being charged for an item I did not order through my Capital One XXXX card. I have called each month to dispute the item and it 's reported to fraud and removed and then the following month I 'm being charged again for it. So each month I 'm having to call, talk to the representative, then fraud department, close my current card and issue a new number only to have the same charge applied once again to my new card. This has been lingering for months and I 'm getting tired of calling Capital One to resolve this issue. They always say they 'll make sure it 'll stop but this week the company attempted to charge me again twice in one week! The first attempt was on Monday, XXXX XXXX, 2017 and the charge was declined because I 'm almost a my full credit limit so the charge was denied. Then yesterday, XXXX XXXX, 2017 they merchant attempted to charge me once again but as I stated previously at being near my limit it was declined once again. It seems this merchant is being more and more aggressive with their attempts to charge me. I called Capital One XXXX today, XXXX XXXX, 2017 to inform them that the same merchant attempted twice to charge me. Capital One has admitted that they can block this merchant and have confirmed they have done so with my account but yet this continues to happen each month. Now with the merchants more aggressive tactics I 'm scared it will get worse, so I 'm hoping reaching out today and reaching the correct channel will finally resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The last payment made in full was made to target and due to a problem with our bank and Target receiving the payment although it was on time their processing center was closed. When they did open up the payment was then considered late by Target. 

On three occasions I negotiated a settlement only to be later denied. 

The last time was when they told me to get a letter from my bank explaining the situation they would remove the late charge only to be denied once they received the letter. 

Please review Targets tapes they have on all our conversations back and forth. 

How do they continue to assess late charges and interest on a closed account. Is this not illegal? 
Although this is my account my husband was added. This account was issued in my name and based on my credit was issued. It should be not be allowed to be reported on my Husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Visa debit card in the mail from M & T Bank. I d I'd not apply for this card. I called M & T Bank to report that I did not apply for this card. They told me that their fraud department closed the account because the person who applied couldn't prove their identity. Then they advised me to call my banks to put them on alert and then call the XXXX XXXX XXXX to put an alert fraud alert on my information & contact you to freeze my credit & file a complaint.

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 2017-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE CC # XXXX HAS BEEN PAID OFF > STILL SHOWS A BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
At the end of XXXX Transunion, XXXX, and XXXX  all added a derogatory remark to my credit report each of them lowering my credit score considerably. I discovered that they have been including a report from XXXX XXXX XXXX  of XXXX, IL. This item should not be on my report. The bill now belongs to XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX. This condition of the debt belonging to XXXX was adjudicated by the XXXX County District Court Judge as a part of our divorce decree and settlement. This document " State of Illinois in the circuit court of the XXXX XXXXudicial circuit county oXXXX XXXX '' file number XXXX XXXX filed XX/XX/XXXX. In the settlement agreement item # 4 ; ..., agreeing to hold the other harmless from any debt, claims or related costs thereto. And item # 7 ; Petitioner shall pay te following debts of the marriage and shall hold Respondent harmless from same : ... Mortgage on XXXX XXXX, XXXX, Illinois, Mortgage on XXXX XXXX XXXX, XXXX, Illinois. 
I filed a dispute with TransUnion on XX/XX/XXXX. ( File # ; XXXX ) It seems that the reported delinquency was removed. However, it is difficult to get any information verifying actions. They initially lowered my credit score by 89 points. But the correction of data only raised my score by 22 points. 
XXXX  is similar as described above ( Confirmation # ; XXXX ). In this case my score was lowered by 113 points. But the score was not raised. 
I also contacted XXXX. This organization did not show an indication of the XXXX XXXX XXXX  item on the report. However, they did lower my score. 
Further, as a result of the scores being lowered ( note that until this time my debt to credit availability has been steadily improving on an average of all credit ) XXXX credit card lowered my credit availability even though I was never late paying or short paying. This adjusted my debt to available credit rating to a lower state than it might have been.

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 2017-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I submitted a request to XXXX XXXX and Experian. XXXX is the ONLY one who complied. XXXX and Experian have yet to respond or comply with my section 609 request as of today XX/XX/XXXX. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Factor Trust
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, am filing this complaint against Factor Trust. Factor Trust is in violation in regards to the information that is being furnished to my consumer report. I would like to state that Factor Trust is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Factor Trust any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and I DEMAND they be removed from my consumer report immediately. 1. XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX. IF THEY ARE NOT REMOVED, I WILL HOLD FACTOR TRUST CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If FACTOR TRUST can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me almost every day. I do not have the means to pay them right now. For them to continue to call and harass wo n't make me have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX pulled a credit report on me using only my name and year of birth while I was applying for their apartment. They didn't use my exact date of birth or any other personal identifier. However, they still got a credit report from TransUnion with totally wrong information in it which I believe was from someone else with the same name and year of birth as me. Also, the credit report didn't include enough personal identifiers that could be used to prove it's my credit report. This could be a violation of Section 607 ( b ) of FCRA.

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