BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Caliber Home Loans, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XX/XX/2022 I was approved for the Paypal XXXX XXXX credit card with XXXX XXXX, the 2 % reward card. The card was then linked to someone elses paypal account who then made fraudulent charges. I had them cancel the card before the physical card had shown up in the mail. After issuing a new card and receiving it in late XXXX, Paypal has not linked this card to my Paypal account. I have no online portal to access this card or its statements. I also can not get any rewards from this card as they are all paid directly into the paypal account with no way around it. There is no alternative offerd by XXXX. I have attempted dozens of times calling them over XXXX, and XXXX, until now. They have submitted 3 linking requests, none of which have worked. I call paypal, spend 2 hours on the phone as they transfer me and re route me or hang up on me, and end up being bounced back and forth between Paypal and XXXX XXXX. Paypal blames XXXX, XXXX blames Paypal, and not a single person has stepped in to help. I have no way to get any further with either of them. XXXX and this card still is not linked to my account and there is no sign of progress or help from anyone to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Last Year I had lost my phone and somehow a minor ( XXXX XXXX ) granted access to my cash app account security breach by far, and changed my name and cash tag to replace it with His name and cash tag.I had two direct deposits ( {$1000.00} on XX/XX/ & {$1200.00} ) that I can not get because my job said corporate office take 2 weeks to do changes on accounts. I showed nothing but solid evidence and support that is this is mine I have the print out of the direct deposit, I have the job app that I use the clock in that has my schedule my money when it come in everything on there.I just want what's rightful mines and what I entrusted cash out to have secured for me I showed all available sources that clearly show I am the rightful owner.Cash app claimed only I can get in account but how is that possible when this is your system so you telling me once I'm locked out I'm out and there's no recovery for me to obtain my account this is clearly unprofessional and unacceptable and a bank would never do me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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:
I am a victim of identity theft. These accounts are not mines

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 2020-02-08
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My specific issue issue is : GM Financial monthly statements. Inconsistent, incorrect. 
No way to view records without spending hours on the phone, and still only have only words in a phone, no records, nothing in writing. 


GM Financial statement balances. 

XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX First payment was due XX/XX/XXXX. 

Payments I've made : XXXX XXXX {$1.00} Trace # XXXX XXXX XXXX {$16.00} Trace # XXXX XX/XX/XXXX {$1.00} Transaction # XXXX XX/XX/XXXX {$440.00} Transaction # XXXX XX/XX/XXXX {$500.00} Trace # XXXX XX/XX/XXXX {$1500.00} Trace # XXXX XX/XX/XXXX {$1000.00} Trace # XXXX After noticing my GM Financial statement balance was increasing as I was making at least double payments, I had tried to contact GM Financial to get a transaction history report. 

Transaction history for a major financial account should always be available to customers. Without having to ask. 

GM Financial told me on XXXX XXXX phone call that they could not tell me why my balance was increasing when my payments were double the required payment. 
On the same call on XX/XX/XXXX, the GM Financial rep told me that it would take at least ten business days to generate a transaction history report and mail it to me. When I asked why, I was told that the transaction history reports were " backordered ''. And that the billing system was having a lot of inaccurate account information. So, many people were wanting the transaction history. This call also took ove one hour to get this info. Unacceptable I called again on XXXX XXXX, XXXX. 
Again, I was told they have no idea why my balance would be increasing. Again, I was told it would take seven to 10 business days to get any kind of transaction history. 
Again, I was told they are aware the billing system had been reporting incorrect information. This call also took over one hour to get this information. Unacceptable. 

So, I have no way, as the consumer to see my transaction history? 
I have no way to see that my payments are being applied properly or how they are determining what my remaining balance is? 
I have no way to compare GM Financial account records to my own records? 

UNACCEPTABLE!! UNSATISFACTORY!! 

These are some huge red flags. How is this legal? How would anyone trust this company with any financial responsibility? 

How does a major financial institution operate in this manner? 

An investigation should be conducted. Immediately. Clearly I'm not the only person affected by this. Seems illegal. 

Please help. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XX/XX/2023 Wells Fargo consistently charges my account for overdraft fees while I have turned overdraft off when I opened account. Thru the course of my time at wells fargo -years they have consistently had this issue. I keep calling and they refund the money but they still try everything to get that fee. It's gotten so bad I've taken my money out of the account and only deposit when a bill is due. Somehow they keep letting these payments go thru after I've asked them over XXXX times that I don't want overdraft. I only want access to the money I HAVE. I don't want to pay any fee for them holding my money. They should be paying the customers instead they try to extort there customers and rake up the fees. Im also interested in a wells fargo auto loan after seeing they been charged recently with charges about this very same issue.

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 2021-12-27
Company: Bread Financial 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 opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!! 
( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came. 
XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I first bought the american express prepaid card at a XXXX XXXX  on XX/XX/, at first my card was being declined and i called the number on the back of my card to check the balance, activate it, and tried to order my items again, tried from numerous different online shops, and didnt work i waited for 24 hours and a day to go by and it worked, for 4 transactions from XX/XX/ to XX/XX/. I had gotten a refund on a transaction that was made XX/XX/, which gave me a balance of {$16.00} of credits and {$16.00} for the available balance. I then tried in tons of different online stores and my transactions were all declined with a message of The card issuer has refused this transaction, please try a different payment method. I called customer service on the back of my card numerous times though-out this whole duration because my solution wasnt being solved. I was told That website is black-listed or try to shop somewhere else. Or I do not see this shop being showed, i only see this i was told to use this card in stores, but i have been and it was constantly declined by the card/bank issuer. There are no pending transactions on the card, and a balance of {$16.00} was being shown, i had even went under the amount of {$16.00} in my cart and still was being declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

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 2023-07-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX 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 2021-12-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Bank of America is trying to use a 3 day float time on a cashiers check. The entire point of a cashiers or bank check is there is no float time. That is why they cost money as opposed to personal checks. They are doing this as a fraudulent practise to use your funds for money market accounts which they profit off of. They will say it is because it takes time to clear it. However to after it clears it goes into a money market account and not into my bank account. I tried talking to them after waiting on the phone for 40 minutes they tried acting like it is normal..

They also steal a XXXX out of every cash deposit over 200 dollars and occasionally charge you fees you should not get. All making you spend time to get it back. They always give it back when they are caught. But I should not have to catch them and spend hours on the phone trying to get my money back. 
It would be nice if the government actively policed them ...

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: 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX-XXXX  XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} 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 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 2021-12-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I am a business owner who has been operating a multi-million company for XXXX XXXX plus years. I take great care in protecting my credit rating and personal finances. 

The three credit reporting agencies ; XXXX XXXX XXXX XXXX, Experian XXXXnformation Services and XXXX XXXX Relations unfairly harm my credit rating with their credit check scoring and credit points reductions. I get scored and held to the standards of a typical individual consumer. 

As a business owner I have regular and now during XXXX entities pulling my credit. Some are authorized to do so and others are not. Here are examples of who have pulled my credit... 
A. My business banks for Lines of Credit and Term Loans B. The Federal Small Business Administration for PPP Loans and EIDL Grants. 
XXXX The NJ XXXX XXXX XXXX XXXX XXXX that I buy products from for resale in my business. 
E. Various mortgage companies over the last year when I was making offers on a new home as prices were escalating and rates were falling. 
XXXX XXXX mortgage broker called " Guaranteed Rate '' that was asked about a construction loan and a conversion to a regular mortgage that did a hard credit pull and then told me that they don't do those types of loans. 
An finally XXXX XXXX XXXX Credit Card who out of the blue did an unauthorized hard credit pull. 
My score is over XXXX. However, if this category of credit score contribution can not be used in a fair and equitable manor, it should be eliminated.

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