BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Paypal Holdings, Inc
State: CA
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:
I made Purchase for pool equipment that was never delivered. I contacted XXXX and receive confirmation that the item was not delivered to my home I contacted PayPal and initiated a dispute investigation requesting for the seller to provide proof of shipping and proof of delivery. I never received anything from the seller, no proof of shipping and no delivery. After 10 days of waiting, PayPal found in favor of the seller. The seller did send my purchase and did not provide proof of shipping, the tracking number the seller sent was to an address that isnt mine Nd not in my name. I have paid {$410.00} for an item I never received and PayPal papers to have no interest in resolving the matter in an honest and fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. 
Delete inquiries done by XXXX XXXX XXXX XXXX XXXX, ON-SITE MANAGER

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 2018-06-03
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX  XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX  Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) CXXXX XX/XX/XXXX 5 ) XXXX  XX/XX/XXXX 6 ) XXXX XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX, XXXX. XX/XX/XXXX 11 ) XXXXXXXX XXXX XXXX   XX/XX/XXXX Experian Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX  XX/XX/XXXX 6 )  XXXX XXXX  XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

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 2017-08-21
Company: EQUIFAX, INC.
State: GA
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 contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attempted to resolve this with the agency and was advised to do what I need to do. 

They posted this account all XXXX  with the incorrect date which even if corrected is still in violation of the FCRA as it impacted a credit decision. The XXXX  are also in violation of FCRA for recklessly reporting this account. 

The agency is attempting to re-age a debt that if in fact is mine is nearly ( 6 ) six years old.

My initial request was to just have them remove this from the XXXX without seeking damages. I am now requesting that XXXX  remove these accounts from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted Transunion on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and 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 2017-08-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
JJ Marshall Assosciates Inc. has lied to all three credit bureaus repeatedly when I have tried disputing them on my credit report. This debt belonged to my husband and was discharged in his chapter XXXX bankruptcy case number XXXX on XX/XX/2017. JJ Marshall Assosciates Inc. keeps telling the bureaus that their information is correct and belongs on my credit report as an active collection. They will not tell the truth and I have submitted proof to each credit bureau. At this point I am able to sue for harm to my credit report as well as pain and suffering due to their illegal tactics and false reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX collection account, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2017-08-21
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX with an FHA loan so I could do a less than 20 % down payment. Origination date was XXXX with first payment being XXXX. Mortgage holder is Roundpoint Mortgage. I received a notice that my escrow was in arrears in XXXX of XXXX after they did some sort of escrow analysis that I was n't informed of. Long story short, I wasnt paying mortgage insurance nor was I ever informed that I had to until that date. XXXX XXXX I began paying insurance and was n't assessed a penalty because it was their mistake. Fast forward to this month, XXXX of XXXX. I am selling my home with closing taking place next week. When I received my payoff statement there was an additional charge of XXXX dollars on top of the remaining principal. When I contacted Roundpoint they informed me that it would he for the balance of the insurance carried through until the original end of term for the mortgage even though it will be paid off in full next week. I am aware that it is possible to be charged one more month but was never informed until payoff time that I would have to pay insurance for a loan that wo n't exist after next week. Roundpoint can not even give me an answer as to why it 's that much. Even if prorated, MIP is .008 % of the original amount. I may need to delay paying or even cancel the sale due to the unfaithfulness of this institution in reporting their payment practices to me correctly.

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 2022-07-05
Company: U.S. BANCORP
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX {$260.00} at XXXX. I told them I did not make this purchase on XX/XX/XXXX They did research the dispute. They did not think it was a valid dispute. Same day XX/XX/XXXX a charge was added {$49.00}, XXXX. I disputed the purchase, I did not make this charge at XXXX. I told them I paid cash for XXXX. XXXX I purchased on my debit card for {$140.00}. They did not give me credit back. U.S. Bank XXXX card.

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 2021-08-23
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting around early XXXX myself and my boyfriend began receiving calls from a number marked as " Account Services '' on caller ID. Once I understood that they were debt collectors from Trans World Systems Inc I told them to stop calling my boyfriend. They said they would and even put me on hold under the pretence that they were removing his number from my account. They did not stop calling him though and have called him numerous times since then. I am filing a complaint because, according to a representative from the cfpb, who I spoke to on XX/XX/XXXX, they are not allowed to repeatedly call someone other than myself in regards to my debt, especially being that my boyfriend is not related to me or legally bound to me. He and I feel harassed by Trans World Systems Inc 's repeated calls to him. We are also frustrated that they continue to call after I asked them not to and they told me they would. 

Additionally, when I answer calls from this company they quickly transfer me to another call center, and the person who answers there always asks me why I am calling them... this is extremely frustrating as I am routinely transferred around from call center to call center. This business practice makes them come across as scammers and when they first started calling me I was unable to figure out what the call was even about. I was wary to provide them with any of the identifying information they asked for as this business practice seemed suspect and I was concerned about identity theft. This led me to have a prolonged debt, which likely hurt my credit score further and led me to feel afraid and threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my annual re-certification information for my income-based repayment plan several weeks ago. Two days after the plan was due, I received a letter in the mail letting me know it was rejected because I did n't submit my tax return ( which I did ) and I did n't submit the " eCertification '' form. The instructions never included a requirement for an eCertification form. I logged into my tax preparer website and could only locate a screenshot verifying that my tax return was submitted successfully. I called customer service and they are n't familiar with this form either. Since they will only correspond by mail, I am worried that I will submit this screenshot only to be rejected. Second, enclosed in the letter I received, are instructions for my spouse to login to the studentloan.gov page to authorize my IBR submission. No where in the original instructions was this requirement disclosed to me. I have done this for other servicers, but it is included in the instruction. I would have done this weeks ago had I known. However, I am not sure this is even a requirement because the instructions are vague and there is no mention of this in the letter. I asked customer service and they said for my husband to do this asap. He did, but the code they sent did n't work! So I am in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: JPMORGAN CHASE & CO.
State: MD
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:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX JPMCB CARD XXXX  XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a validation of debt. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! 

Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from JPMBC CARD for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: MA
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:
For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. XXXX, XXXX, and Experian list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the XXXX I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.

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 2022-07-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i purchased a XXXXXXXX XXXX from XXXX XXXX. On XX/XX/XXXX seller informed me that she would not ship the XXXX because paypal had limited her account banning her from accessing the payments i sent therefore she will not ship the XXXX to me. I called paypal to notify the problem on the same day. Paypal advised me to open a non receipt item case for both payments. According to paypals policy, if a seller fails respond within 10 days, a refund will be automatically processed. On XXXX it marked the 10 day limit, the {$2100.00} was automatically refunded however the other payment {$2900.00} is still being reviewed. When i called in, their reps werent able to tell me when they will release my money although it passed the 10 day limit. 

Paypal is illegally withholding my money. I am requesting a refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: Freedom Mortgage Company
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I signed my mortgage paper work on XX/XX/XXXX. The loan was transferred to Freedom Mortgage on XX/XX/XXXX. I called the company today, XX/XX/XXXX, to ask why my trade line has still not shown up on my credit report, since I was told some time back that it " could take up to 60 days ''. Those 60 days would have been up on XX/XX/XXXX. I work as a XXXX XXXX in a XXXX XXXX XXXX and I know that there is typically a delay in reporting, depending on what day the new loan is open. I clarified with the man on the phone that at the very latest, I should see my new trade line in XX/XX/XXXX and he rudely told me that I was incorrect and I will not even see the trade line appear until XX/XX/XXXX? XX/XX/XXXX is literally 4 full calendar months from XX/XX/XXXX ... not 60 days. He put me on hold for a while and came back on the line to inform me there there was some federal law that states the 60 day waiting period. I do not remember exactly what " law '' he referenced, but why was I not told this in my loan closing, or when the loan got transferred to Freedom Mortgage? How is 120 days the new 60 days? I am paid ahead and have never missed a payment ... How is this right?

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 2017-08-22
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: Public record information inaccurate

Complaint:
I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our loan originated with XXXX XXXX XXXX XXXX in XX/XX/XXXX. We continued to make mortgage payments and tried to contact XXXX XXXX with questions about the structure of our mortgage, only to find that XXXX XXXX XXXX took over the company. We requested proof from XXXX XXXX XXXX on mortgage ownership. They sent the requested documentation. After reviewing the mortgage documents, we noticed that both of our signatures were forged on some documents. Shellpoint Mortgage Servicing bought the servicing rights. now they have ignored our requests to send paperwork to support their claims of an fraud investigation into our case. They have pushed to Sheriff Sale our home XX/XX/XXXX. We paid our mortgage payments consistently on time every month on a 30 year interest only loan up until I lost my job. We are disputing the {$230000.00} amount stated in the letter sent by XXXX XXXX. Our records indicate that we owe less than 50,000 dollars on the home. Upon reading newspapers and seeing news reports, it was revealed that we were victims of Predatory Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation