BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear Sir/Madam : My name is XXXX XXXX. Since at least 2016, my report Experian has been incorrect in that if fails to indicate my current history with regard to credit cards, mortgage information, bank information, etc. I CONTACTED ALL LENDERS, CREDIT CARD COMPANIES AND MERCHANTS WITH WHOM I HAVE CREDITS, AND THEY ALL INDICATED TO ME THAT MY INFORMATION IS BEING REPORTED TO EXPERIAN ON A REGULAR BASIS! I do not have this problem with XXXX  or XXXX, which indicates my credit score to be above 800. Yet, Experian maintains that I have insufficient credit history to even generate a report! 
I reported this issue back in 2016 when I was qualifying for the Home Equity Loan, and was assured that the situation will be resolved immediately. Four years later, I am in the same situation I was before. 
My contact with the Dispute Center was unproductive - the response was that I need to contact credit card companies and lenders. I did, and was notified that they are reporting information. Since they ALL can not be wrong, the only logical conclusion is that something is not correct with Experian Their failure caused me embarrassment when several department stores denied my credit because of " insufficient credit history. '' How can I have a score of XXXX and XXXX with XXXX  and XXXX, and have insufficient score with Experian? 
It may be an unintentional oversight, but after 4 years still not fixing it is unacceptable. 
Thank you for your consideration. 
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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2022-04-13
Company: Maximus Education, LLC dba Aidvantage
State: HI
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 applied for loan forbearance back in XXXX when XXXX was still handling my loan. I was approved for forbearance until XX/XX/2022. However, my loan was transferred to Aidvantage  recently and has my loan repqyment information wrong. When I look at my loan information on their site it says my loans are due to be repaid this month on the XXXX. That is incorrect and I have the approved forbearance letter that clearly states my loans are in forbearance until XXXX of this year. I will attach the letter in this complaint. 
I can not have Aidvantage  ruining my credit by reporting I have not made payments on my loan. They need to update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2016-09-23
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I USED MY PAYPAL BUSINESS DEBIT CARD TO RENT A A CAR. 
WHEN I GOT HOME, I NOTICED THAT THEY HAD AUTHORIZED XXXX CHARGES ON MY DEBIT CARD, XXXX FOR XXXX AND ANOTHER FOR XXXX, I CALLED PAYPAL TO INFORMED THEM THAT I ONLY AUTHORIZED A TRANSACTION FOR XXXX. 
PAYPAL PROCEEDED ON TELLING ME THAT SINCE THEY WERE PENDING THERE WAS NOTHING THEY COULD DO TILL THEY POST. WHEN THEY POSTED I SUBMITTED A CLAIM AND THEN 24 HOURS LATER THEY SENT ME AN EMAIL REQUESTING MORE INFORMATION. 30 MINS LATER THEY SENT ANOTHER EMAIL DECLINING MY REQUEST. AND WHEN I CALLED TO GET INFORMATION WHY. THEY STATED SINCE THE CONTACT I SINGED FOR WAS FOR A CHARGE OF XXXX AND WITHIN THAT CONTRACT IT STATES THAT THEY CAN CHARGE THAT AMOUNT AND ANYTHING ELSE AFTER I RETURN THE CAR THAT THOSE CHARGES ARE CORRECT. 
NOW THE CHARGE OF XXXX WAS ACCORDING TO XXXX FOR A PREVIOUS RENTAL THAT I OWED MONEY ON ( WHICH I AM ATTACHING AN INVOICE THAT I ASKED FOR WHEN I WAS THERE AND ITS A XXXX BALANCE ). HOW DID I AUTHORIZE THAT TRANSACTION WHEN I USED A DIFFERENT CREDIT CARD WITH THAT PREVIOUS RENTAL AND THAT CHARGE WAS DONE BEFORE THE AGREED AMOUNT OF XXXX? THEN THEY STATE THAT THE XXXX WAS THE ADDITIONAL FEES THAT THEY WERE CHARGING, NOW THEY CHARGED THESE FEES THE DAY BEFORE I RETURN THE CAR, IN THE CONTRACT IT STATES THAT THEY ARE NOT SUPPOSED TO CHARGE MY CARD TILL AFTER I RETURN THE CAR WHICH I DID NOT RETURN IT TILL XX/XX/XXXX. 
PAYPAL REFUSES TO PROCESS MY DISPUTE AND AS OF RIGHT NOW THEY REFUSE TO DO ANYTHING. THE ONLY CHARGE THAT I AGREED TO XXXX AND ANYTHING ELSE NEEDED TO BE CHARGED AFTER XX/XX/XXXX. THE CHARGES THAT PAYPAL ALLOWED TO GO THROUGH MY ACCOUNT ARE XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I, and my girlfriend both have PayPal accounts with a Business Debit card attached. We normally purchase retail goods and services with the debit card, and we fund the accounts by buying PayPal XXXX cards. In the time that we 've had the accounts, we have made a couple of ~ {$20.00} transfers to eachother and we 've each withdrawn a very small amount of our balance to our connected bank accounts once. Just recently PayPal said they are permanently locking my account and effectively freezing my money in the PayPal account for half a year! I did n't realize they were so strict about small withdrawls/transfers!! I was under the impression when I received a warning awhile ago that they did not want me withdrawing large amounts after depositing XXXX cards into the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX keeps updating an out of date collection that was never mine to begin with and Experian refuses to remove it or reinvestigate

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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I HAVE BEEN AT BANK OF AMERICAN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX  central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA placed a fraud alert on my credit report without my consent.

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: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This message is not in error I submitted a dispute informing Experian that they were violating my rights as a consumer pursuant to 15 U.S. CODE 1681i ( 5 ) and 15 U.S CODE 1681e ( b ) in regards to accounts U S DEPT OF EDXXXX # 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 2023-04-03
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I wrote to Amerifinancial Solutions, regarding some collections they had included on my credit report. I'm writing you this letter to inform you that I instructed the debt collectors to return the debt to the original creditor ( XXXX XXXX XXXX ) who sold it to them. It is unlawful but not enforceable for a collection agency to purchase debt from another business and then pursue the debtor as if they had entered into a contract with the agency. I am aware that there is no documentation at this collecting agency that would indicate I signed any agreements with them. I warned them that I would file a complaint with the CFPB, XXXX, FTC, and Attorney General if their collection firm did not return this amount to the original creditor. In addition, I will free legal representation for my lawsuit against your business for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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 asked Experian and the other bureaus to investigate my accounts to see if they where all accurate and their investigation resulted in a deletion of XXXX XXXX! Experian mishandled my credit report and need to be handled with. Today I received a alert that the account was updated and added back with no verification at all. Who did they speak with? Who did the deletion? This is effecting my ability to purchase a home and get funding for my XXXX XXXX to create jobs!!! Experian misleading and Mishandling of my credit report is criminal and illegal!!! I will attach documents to support this!!

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 2023-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Many years ago I got behind on my mortgage payments with Wells Fargo and I was put on a modified loan and successfully paid that off before the time was up. I have been current on my payments since XXXX and my credit score is around 800. During that time Wells Fargo put a lean on my home and never took it off after my payments. They have a {$70000.00} lean on the home. This seems outrageous due to several late payments. Is this legal? I never new about this lean until a few years ago. XXXX received paperwork on it nor new anything about it until I went to refinance my home. Can you please help?

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 2021-07-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE TRANSUNION FRAUDLENT HARD INQUIRIES XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion

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 2021-07-28
Company: AmeriHome Mortgage Company, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company complaint with Amerihome Mortgage. 

I am selling my house and my payoff statement is off by an excess amount of at least {$2100.00}. I have called in several times and sent several messages to customer service with no response. I need a resolution ASAP! I furloughed my mortgage during Covid last year for 4 months. The PRINCIPLE and interest of the four month furloughed, was added on to the back of the loan as ADDITIONAL principle. The principle of that payment should not have been added in as additional principle. That would be paying the principle twice! The principle of those payments was XXXX ( loan statement provided ). So four months of XXXX is at least {$760.00} of principle furloughed that was added on as additional principle! Also, in 2020, our residential taxes changed from {$4000.00} to {$2300.00}. Our escrow account was at least {$250.00} higher than it should have been for each of the 4 payments, so there is an excess of at least {$1000.00} in escrow that was furloughed that was added on to my principle balance.- to further this, our account last year had an excess amount and we received a refund of only {$120.00} at the end of the year. So the escrow that was held in these payments shouldve been paid back.-I also found it strange that we only were paid back {$120.00} from escrow if our taxes were lowered {$2000.00} ... were did the rest of the escrow overage go? I have provided documents and statements. To show the number that needs to be corrected. The total overage is at least {$2100.00}. The payoff should be at least {$2100.00}. less. We are closing on our home sale on XX/XX/XXXX and I need this payoff statement corrected ASAP!

Company response to consumer: Closed with explanation