BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a 501 ( c ) ( 3 ) nonprofit organization helping communities via health educational programs, job training and children sports. 

Prior to the 2020 pandemic, many parents had signed up their children for our sports program making payments via PayPal. 

Due to the force of businesses being closed, XXXX informed parents that their children spot will remain as we continue to comply with the pandemic allocated by the state of California. 

On XX/XX/2020, XXXX received a request from PayPal for a refund because one of the parent 's credit card company stated the charge was not authorized and requested {$130.00} and placed a {$20.00} charged back on XXXX PayPal account. This is in reference to PayPal Case ID XXXX. 

XXXX provided proof to PayPal revealing it is an authorized payment and we had informed parents refunds would be processed upon their request in 30 days due to lack of staffing. 

PayPal disregarded our request to refute false claim, immediately gave the parent credit card company {$130.00} and imposed a {$20.00} charge-back fee on XXXX then placed XXXX account in a negative status of {$150.00}. 

On behalf of XXXX, I made several calls to PayPal Collections department to gain an understanding, provided proof that the parent was aware of the charge and the process in place to refund any parents request, to no avail. 

To this date, every parent requested a refund has received it and proof could be provided. We attempted to refund the parent creating the above case, yet PayPal system will not allow it to happen without paying for a {$20.00} charge-back fee. 

As a consumer, we are seeking understanding how this situation is considered as a charge-back. And if this is allowed, meaning parents claiming false accusations and XXXX  are imposed with a {$20.00} charge-back fee? If that is the case, something unethical is not right. A {$20.00} per person is not a lot of money, but when one multiply that by thousands and millions of false accusations, seems more like an unethical profit. 

XXXX is looking forward to your explanation and informing us if this unethical business practices are allowed. And if so, XXXX will appropriately inform parents of the consequences when making false accusations. 

Thank you in advance for your time. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a first home loan pre approval. Was systematically denied based upon insufficient funds.

Representative of BB & T, NooTRUIST, XXXX XXXX never contacted me personally with minimum requirements, never informed me of the banks minimum loan amount, never provided the maximum amount of approval based upon the information provided, failed to request further information prior to processing a credit check which adversely lowered my credit rating. 
Such a failure in a pre-approval process with a first-time-home-buyer proves critical financially discriminatory practice which dampens the application capacity, delaying the equity-building potential for first time buyers.

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 2018-05-03
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discover has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: NAVY FEDERAL CREDIT UNION
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:
At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time NFCU has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
nissan motor accptance company continues to call my job and harrass me after i have spkoe to them several times and asked to not call my home or cell. they have continuesd to ignore my request and keep calling both my employer and cell.. now i have been written up and reprmanded for the personal calls. I feel i have been disrespected as well as the company i work for. I no longer wish to do business with NMAC any longer and want to be compensated for the stress the calls have created at my workplace

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX Account Number : 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 an 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday XX/XX/2022 @ XXXX XXXX  I received an email from Venmo advising that someone was trying to sign into from a different location. The email continued " If this is not you, please let us know by responding ''. I immediately responded to the email advising that this was NOT ME and this was FRAUD. The next morning, I logged onto my bank account which was linked to my Venmo account and I observed that there were 3 transactions@XXXX each withdrawn from my bank account ( using Venmo ). I immediately contacted Venmo and they advised that I needed to contact my bank. I contacted my bank and they started an investigation. However, I am still out XXXX AND according to Venmo 's cardholder agreement, if FRAUD is detected, I would not be liable for more than XXXX total. I am needing help to resolve this because I feel that someone is passing the buck. My bank is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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:
ON XX/XX/XXXX I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 2022-08-04
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:
Equifax violated my rights and I didnt give consent for my information to be shared and I didnt give consent for them to use that report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX Sequium Asst Co Called today asking for {$110.00} for unpaid debt of my cable service even though it is active and current. Asked for more information about it but pressed for me to pay. Called 5 times this month. XX/XX/1919, and XXXX. They impersonated a collection company for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CrossCountry Mortgage LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was injured at work back in XX/XX/XXXX. I started trying to work with Cross country mortgage in XX/XX/XXXX in regards to loss mitigation and have had trouble with them " not receiving my applications '' I got confirmation XXXX that of was received via email. From XXXX until today ( XXXX ). I have emailed them on XXXX, XXXX, XXXX, and XXXX. I have called them XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Cross country mortgage has not been giving me any information nor updating my account in regards to the loss mitigation process. They had also sent me a letter for acceleration and stated today in the phone call that my loan is now in active foreclosure even though I have been in contact with them and sent in all the documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: R & B Corporation of Virginia
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: Account status incorrect

Complaint:
I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.

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 2021-04-15
Company: Toyota Credit De Puerto Rico Corp.
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX and XX/XX/2019 I had two late payment in my auto loan with toyota credit PR. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. Before and after that I have always pay on time. This two late payment is affecting my credit score big time. Can you please consider removing both late payment on my auto loan? I Have always been a great customer and I will never pay late ever again. I am working on getting another toyota for my son senior graduation and removing both late payments on my loan will help me get approve. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Home Point Financial Corporation
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'm trying to get a mortgage loan with FHA. The seller provided us with a mortgage servicer that told me to boost credit score with a XXXX account. I did, I got a XXXX XXXX XXXX, low amount. Bought, item around {$60.00}, as advised. Paid half of billing. We were approved for loan. Other delays came into factor, needed new well. As time went on, I forgot to pay off balance of {$9.00} dollars to XXXX. My credit score immediately showed up as dropping. Due to XXXX reporting it asap. Now, They don't want to approve loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: NV
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:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, XXXX, equifax XXXX XXXX XXXX, XXXX, equifax XXXX XXXX BANK XXXX EQUIFAX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX  XXXX XXXX, transunion, XXXX XXXX XXXX XXXX, transunion, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-10
Company: JPMORGAN CHASE & CO.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I called Chase Auto Finance to make that current month payment and schedule the next months payment for XX/XX/XXXX. On XX/XX/XXXX I was alerted by a credit monitoring service that my payment was, in fact, not posted and I suddenly experienced a XXXX point drop in my credit report. Chase made zero attempt to contacy me during this period to alert me to a mistake. ( Which was theirs! ) History is a teacher, I have ZERO 30 day late payments in my report. I called on XX/XX/XXXX and was treated abusively by a customer service representive. I was told there was NO record of my conversation and I must be in " financial trouble '' He was extraordinarily abrasive and rude. I called again on XX/XX/XXXX and spoke to agents XXXX and XXXX ( ID # XXXX and XXXX respectively ) and was again told there was no record of my call. I am applying for a mortage in the next 60 days and this misstep in THEIR technology are going to cost me the ability to buy a home. I am asking for a full review of this and an adjustment to my credit report IMMEDIATELY. I am in an unfair fight as I have to just take thier word that their technology is perfect and without fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed on XX/XX/XXXX without me having my due process. Bank of America would not allow me to extend my foreclosure meditation process or make a loan modification. I believe I am being discriminated against. I have been in the home for over 9 years. I reached out to Bank of America several times to modify my loan and was given the run around. I submitted financial documentation and received a letter of receipt of confirmation XX/XX/XXXX from BOA no answer regarding the modification. I was given a motion of ejection for XX/XX/XXXX. I filed a motion of stay of ejection and was denied today. I also filed a motion to open my foreclosure judgement because I was not given the opportunity to stop my foreclosure with a loan modification. I go to court XX/XX/XXXX. BOA has a history of discriminatory lending and mortgage practices against XXXX Americans and XXXX. I would like BOA to agree to open my foreclosure judgment.

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent several letters to Transunion Llc requesting an investigation on the items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter sent and received XX/XX/XXXX in which at this time I gave them 15 days to respond to this inaccurate investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just once again sent me my credit report with the erroneous fraudulent items and no methods used on investigation. Therefore ignoring my request and violating my rights.

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