BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Skrill USA, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My company was approved in XX/XX/2023 for a merchant credit card processing account with " PaySafe ''. Unfortunately, they use a LOT of different names for the same company, including " XXXX XXXX XXXX XXXX '', and " XXXX ''. Many times, I had no idea who was who, nor did I know that they were from XXXX. 

Our account was approved on XXXX XX/XX/2023, after a review of my companys BANK STATEMENTS that were sent on XXXX XX/XX/2023, for the following limits : {$5000.00} average sale, {$25000.00} maximum sale, {$50000.00} monthly average. By PaySafe 's own admission, they approved our account without properly reviewing the bank statements, or my personal credit. Naturally, PaySafe would like to paint us as a huge risk to them, when in fact they have become a huge risk to us. 

After just our fourth transaction, a customer attempted to pay his {$5000.00} invoice with a XXXX XXXX credit card. After receiving three " declines '' by his credit card issuer, the transaction was approved after a quick phone call to them by the customer. 

At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. In addition, PaySafe said that the credit card information was manually entered. While this is true, I had no idea that it wasnt an accepted norm. At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. 

Ultimately, PaySafe has held the money of three of our customers, for a total of {$18000.00} for up to 180 days. PaySafe also closed our merchant account, noting the reasons for closure to be actual processing observed is inconsistent with expected. The held amounts are XXXX XXXX, XX/XX/2023, {$3900.00}- XXXX XXXX XXXX, XX/XX/2023, {$5000.00}- XXXX, XX/XX/2023, {$9400.00}. We have advised our three affected customers to initiate disputes ( chargebacks ) against PaySafe to recover their funds. 

We will recommend that they each do as we will do, and make reports to their respective XXXX XXXX XXXX XXXX XXXXXXXX  ), State Attorney General Office, Federal Trade Commission ( FTC ), and other government agencies as may be appropriate. We may also initiate legal efforts to collect these substantial funds, in addition to any and all associated costs resulting from the actions of PaySafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: WELLS FARGO & COMPANY
State: MA
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:
I have contacted the XXXX  about Wells Fargo not going by a fraud alert that they dismissed when someone tried to get credit in my name. They have supposedly been looking into this for over a month now but their fraud dept can not explain why they didn't call the number on my fraud alert which is with ALL credit bureaus. I want this hard inquiry removed as I did not apply for credit with them. REMOVE from all 3 bureaus.

I ONLY knew of this issue because XXXX XXXX told me they pulled and I was sent a denial letter when I never applied.

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 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX consumer service department Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : Please remove 6. The inquiry was XXXX  XXXX Date of inquiry : Please remove 7. The inquiry was XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XX/XX/XXXX it from my credit report. 
not authorized XXXX it from my credit report. 
not authorized I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
XXXX Sincerely, _____________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Total Card, Inc.
State: TX
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:
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX notifying them that my XXXX  credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX  credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased this vehicle in XXXX of XXXX. I was behind in the months of XXXX and XXXX of XXXX. I lost my job in XXXX of XXXX. And I agreed to paying {$250.00} bi-weekly. I owed under {$4000.00} when I contacted them in XXXX of XXXX, and agreed to pay the loan off until I filed my taxes in XXXX. I voluntarily released my vehicle, due to pressure, despite me doing my due diligence in keeping communication with them. I looked at my XXXX Credit report on XX/XX/XXXX, and seen that it states that I was180 days late. I was never that far behind. Strangely, I received a letter from Credit Acceptance on XX/XX/XXXX, stating that my loan was paid in full and the lien was released, which means I should have both the car I voluntarily released to them and I also should have my title.

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2022 Wells Fargo let a 4D contract creditor freeze my checking, savings and my daughter 's savings accounts WITHOUT an actual court order. They froze all of my accounts leaving me without my mortgage payment and my daughters savings money. When my account finally got released 3 months later it was empty except for my credit card balance that was way overdue. They gave this fraudulent company {$1100.00}. Nobody in the Wells Fargo legal dept. did not, have not and will not answer any of my phone calls or emails. I am still today waiting for a response from them. I get the run around from everyone that I talk to no matter who it is. I'm seeking payment for the money they stole from us as well as financial injury, health and mental stress for me and my daughter both for the 3 months it put me behind on all of my financial obligations and responsibilities including food, water, electric, gas, car insurance to get her to school.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, Portfolio Recovery Associates LLC sent hearsay statements on an alleged account that was not owed. PRA is failing to cooperate with me in providing the proper documentation I have asked for. As asked for with my original complaint here and with my complaint with the Tennessee Department Of Commerce and Insurance ( Collection Board ) They have failed to provide a contract with my signature consenting that I have allowed to conduct business with them, they have failed to provide an original purchase agreement with my signature on this alleged account, they have failed to provide a cardholder agreement signed on this alleged account, and failed to provide a sum certain showing how this alleged amount was arrived at. PRA has failed to show proper verification as " Verification '' is defined in XXXX XXXX XXXX ( XXXX XXXX ) as " Confirmation of correctness, truth or authenticity by affidavit, oath, or deposition ''. I demand this to be verified by an affidavit from a competent person. If PRA can not verify or provide the proper documentation on this alleged account I demand PRA to close this file within their office, cease collection activity, and do not report to ANY of the credit bureaus. I will not tolerate PRA unfair business practices and I will not engage in any business activity on an alleged account with PRA that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has called me to my previous work number constantly throughout the work day. As well as stated they where handing my debt to an attorney and constantly call throughout the day. I have received no letter in the mail regarding the debt and I've only received harassing phone calls constantly throughout my workday from different phone numbers, as well as them putting on my credit report that they are handing my debt to an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander USA is a predatory lender and has been indicted in a class action lawsuit for such practices. 
I purchased the car in XXXX of 2014 and struggled to keep up with payments a year into it as the car had numerous issues the moment I drove off of the XXXX  lot. Struggling to pay the high interest loan, I had the car repossessed and was able to get it out only to fall into desperation again as I was underwater. 
I truly believe I should be or possibly have been considered in this lawsuit. 

XXXX XXXX XXXX From what I have found, Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers ' credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report XXXX yrs. Also 15 U.S.C.1681S-2 { A } { 1 }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Prosper Marketplace, Inc.
State: VA
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:
For weeks now l have contacted there customer service department and they are suppose to waive the {XXXX annual fee based on there promotion when l signed up for there credit card and every time l call they say they are still working on it and has been going on for weeks, l need someone from this company to take action and get it done, no bank or financial institution takes this long to take action, this company has been a struggle since day one. I am seeking help. I need the fee waived as promised.

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 2023-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion failed to conduct a reasonable complete investigation on a account that's not 100 % correct. They cant complete a investigation because the furnisher is not participating which means this account is being reported inaccurate.

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 2023-06-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Signed up Lowes credit card. It's a synchrony bank credit card. when i logged in i saw a charge for " PAYMENT SECURITY XXXX - {$29.00} '' when i spoke to them they say it's added by default as an insurance protection i don't know for who. tried asking them to cancel but customer service keeps routing me to other departments but nothings come if it yet.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have submitted 4 certified letters to Transunion, XXXX, and XXXX Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief