BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
As part of the negotiations with Paypal under complaints XXXX, XXXX, and XXXX I talked on the phone with XXXX XXXX XXXX, Operations Counsel of Paypal, and he promised me that my Paypal account " XXXXXXXXXXXX '' will be removed the limitations to oprate and allowed to be used normally. However, as of today, Paypal has not yet respected the pledge by XXXX XXXX XXXX. 
In the meanwhile, there were some email exchanges with some XXXX counterparts ( XXXX XXXX, Case Reference : XXXX ) that only put obstacles and tried to ignore the word by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist bank charged me on 3 different occasions for overdrafts when my account had money in it. I asked the money be returned and they told me they only correct 2 overdrafts in a two year period regardless if it was the institutions fault. I asked for a copy of that policy and I was told they do not give that policy to customers. I said I would like them to return my money and I was told they could not.

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 2021-04-22
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:
Experian has refused to remove a fraudulent credit card names XXXX XXXX from my credit report and it has caused me to get denied for personal and business credit. 
Experian has also refused to remove the false late payments for XXXX XXXX XXXX  from my credit 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 2018-12-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application # XXXX, I believe was denied because of my XXXX preference, I am married to another man. 
Also, i believe that I am being discriminated against because my application was denied due to the fact that I am permanently XXXX and receive XXXX XXXX retirements from the Federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Eastern Revenue, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for a mortgage loan on XX/XX/2018, and was informed that there was a $ 9000+ collection account on my credit report. 

Later on XX/XX/2018, I informed XXXX, XXXX, and XXXX that they should have Eastern Revenue Inc report the account as a charge off as I have never did any business with this company, received any letters, or phone calls, nor had I ever heard of them when I saw and heard about the information on my credit report. 

I also asked each of the above credit bureaus to have Eastern Revenue Inc., at the very least report the original balance ( {$6500.00} ) as due because they are trying to charge more ( {$9300.00} ) than the original balance that has already been charged off by XXXX XXXX XXXX. 


Note : online disputes XX/XX/18 ( XXXX and XXXX ) ; XXXX  spoke with live customer service representative

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 2022-08-04
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

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 2019-12-27
Company: Experian Information Solutions Inc.
State: NV
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:
Experian and XXXX continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX mismanaged my short sale 3 times over a 2 year period ( XXXX ) & the day my condo in XXXX Idaho set to sell at the price they set, ( {$79000.00} XXXX they canceled & foreclosed XX/XX/2019 on it the next day so they wouldn't have to pay agent fees & in the process ruined my credit after telling me to not make payments to be eligible. I would like this account removed from all 3 credit bureaus & an investigation into the fraudulent practices XXXX XXXX is performing

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 2019-12-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a collection letter from Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX. This is in connection with XXXX XXXX XXXX XXXX, a local telephone company that is widely known to engage in fraudulent billing. for years we had our service with them on a monthly fixed rate. All of a sudden, they started charging bogus charges. We contacted them and they admitted that these charges were not applicable. They promised to issue a credit. The promise never materialized. As this was going on for month after month, we were unable to get the credit on our account I closed this account and paid all legitimize charges, and deducted the overcharges. I also contacted the New York State Public Service Commission which told me not to pay any of the overcharges. Now XXXX placed me on collection through Credit Collection Services and contacted all 3 credit bureaus and my credit rating plummeted. I send a letter to Credit Collection Services and XXXX. The responded with a studied silence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had found an apartment for rent on XXXX. Upon doing my due diligence and verifying that the individual I was communication with was a real person who worked for XXXX XXXX XXXX, I proceeded to send {$3300.00} through Zelle as a security deposit so the apartment would be taken off the market. 

Unfortunately, the identity of the individual had been stolen and I was not actually communicating with the real person. 

{$3300.00} is a standard security deposit in XXXX, WA. 

The individual even sent a fake Lease Agreement stating that should I not move forward with the unit, my money would be fully refunded. 

I reported the activity to Zelle and they did absolutely nothing, not even a response. I emailed the real agent to inform him that his identity had been stolen. Apparently this has happened numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
I have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.

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 2022-06-10
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:
There are several accounts being reported on my credit report. I do not knw any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a XXXX credit score and they dropped it down to XXXX. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.

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 2019-12-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was solicited to use a Home Depot credit card- issued through CitiBank . One I hold but very rarely use since selling home. 
I bought a {$45.00} drill in XXXX after getting " important notice '' that I needed to use card to maintain account. Due to oversight and bombardment with junk mail, I may have inadvertently thrown statement in trash, or it wasn't received. 

When I did get next statement, I called to inquire about late fee showing.I told them I would pay the bill that day which I did, driving directly to Home  Depot  to do so. They agreed to remove the fee, but said I needed to call again, as a second late fee was charged, and they could only remove one on that day, but would be no problem to remove the 2nd. 

When I got next statement and saw no fee at all was removed, I attempted to call again. I got disconnected after being on hold for some time. I called back 2-3 days later and was connected to an adult chat line. 

Then I got notices from my credit monitoring services. I called again. Was told by a representative and her supervisor that they would not and could not do anything unless I made a payment. I refused, They have since decimated my credit, reporting as 60-90 days late. I called again today and was again told they could remove just one late fee but I had to pay two others. I refused

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 2021-04-22
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recent credit mgmt. posted {$780.00} for 11 XXXX XXXX for {$780.00} for individual account account that is in accurate and violates Federal Truth in billing disclosure act and TTC law. Must be remove immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call me all night and all day its so annoying!!!!!!! Midland credit?? What is that? I dont owe them NOTHING! Leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: NV
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:
Experian and XXXX  continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering 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 non-monetary relief
Consumer complaint received 2015-06-25
Company: Delbert Services
State: NY
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I never received the loan and the customer service agent was could not find the loan information in the computer database, but then another customer service agent was able to find the loan in the computer but said that I had to fill out another application, but the loan information showed up on my XXXX report. When I tried to retrieve the loan the customer service agent said the loan information was not in the computer. He did not have any information on the loan and said that I just have to start the process over, but when I called back at another time, another agent saw the loan in the computer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We recently tried to refinance with XXXX XXXX XXXX  on our home loan and was denied due to the current mortgage company. Ditech is our current mortgage company and was not the original company since we filed bankruptcy XXXX which did not include our primary mortgage. ( XXXX XXXX sold to GreenTree and then they merged to Ditech ). We 've never been behind on payments and yet Ditech has reported to the XXXX that we 've been behind from XXXX XXXX to XXXX XXXX however we never received notification of escrow increase until XX/XX/XXXX that from documentation we received however they are reporting they did send us escrow notification back in XX/XX/XXXX which we did not receive. Since this all came to light we made payment to bring the escrow current and now just received another escrow stating we are still short by XXXX dollars XXXX cents which after making the payment online and calling XXXX in their bankruptcy department found out that I was not able to make this payment online or over the phone was supposed to send w/coupon and there is no coupon on the paperwork that we received. Per XXXX she will have that money credit to our escrow account with Ditech. Now they are even decreasing our monthly payment per this document from XXXX to XXXX as of XX/XX/XXXX. Also we 've been discharged from  our chapter XXXX bankruptcy sinceXX/XX/XXXXyet they still have our mortgage under bankruptcy department so that we do not get monthly statements we have not gotten updates without struggling to get this information and the people that I 've had to deal with are very rude and unfriendly and I understand for a majority of people they deal with our losing their homes but I have not ever been in this position nor was there any intent on losing our home. Ditech is preventing us with these modification from refinancing and moving our loan away from them. I 've been told by other mortgage brokers Ditech is GreenTree and they are notorious for doing this and foreclosing on people. I need help getting my loan away from Ditech and/or keeping them on track of correcting these errors and collecting extra money my insurance and taxes have not increased that much over the twenty plus years I 've lived in my home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I told them to stop but they want my personal information

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 2022-05-03
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report with the collection from Convergent Outsourcing noted on it from XX/XX/2018 in the amount of {$340.00}. I have never done business with Convergent Outsourcing.

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 2022-11-23
Company: EQUIFAX, 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 XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation