BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Paypal Holdings, Inc
State: MA
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:
I opened a venmo account and after 3 years of not being able to use it I was able to finally get it unfrozen. They always put me to the back of the bus when it comes to my service. I then proceeded to get a debit card so I can open a bank account since my mom used my ssn and ruined my credit with other banks. Prepaid banks are my only options left. I got my card and began adding money and purchasing running into issues with merchants with orders being late, wrong, or just flat out not delivered. Merchants like XXXX XXXX XXXX and XXXX have policies where they cant refund you more than 2 times so obviously if I order take out every week something is bound to go wrong. I used the dispute feature and now my account is deactivated with refunds still pending ; disputes still pending ; and my money is in there that I can't transfer even though their agent said I can. They're making me pay them for no reason. I had {$49.00} and I spent {$33.00} but was waiting on that {$33.00} refund but they overdrew my account saying I had to pay XXXX when it literally made no sense like I want to sue for deterioration of my mental health and starvation. They banned me on saturday when I was shopping in public and I havent eaten since

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2023-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have never opened and account with USAA and when I first tired they told be " We're unable to complete this request. We're unable to move forward with this application. USAA Bank is exercising it '' I wasn't given an explanations or Have I given them a reason to do this to me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Smith, Cohen & Rosenberg LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter of collection from Smith Cohen & Rosenberg, LLL ( Smith , Cohen & XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, XXXX or XXXX ) on XX/XX/XXXX dated XX/XX/XXXX. Account number XXXX, the debt was for {$2300.00} for car ( VIN XXXX ) that was towed in XX/XX/XXXX by  XXXX XXXX XXXX. I contact XXXX XXXX XXXX and XXXX stated the debt owed was {$1800.00} not {$2300.00}. 
My complaint this is not my debt. I sold the car on XX/XX/XXXX to  XXXX XXXX and I am not responsible for this debt. I spoke with both XXXX XXXX and XXXX XXXX at Smith, Cohen and Rosenberg, LLC both refused to remove my name from the debt. I sent copies of the Notarized title, showing the date of sale/transfer of title ( XX/XX/XXXX ).  Mr XXXX XXXX sent, Smith, Cohen and Rosenberg, LLC, a fax stating he was responsible for the debt with a copy of the notarized title and asked for the debt to be transferred into his name on XX/XX/XXXX.  Both Ms XXXX and Ms XXXX have told both Mr XXXX and I that the debt will not be transferred until paid in full and if not paid I, XXXX XXXX XXXX XXXX, will be sued and it will be put on my Credit report. I am being blackmail for a debt that is not mine. 
I have sent Smith, Cohen and Rosenberg, LLC two certified letters. The first requesting validation of debt sent certified mail XX/XX/XXXX received by Smith, Cohen and Rosenber, LLC onXX/XX/XXXX. A second certified letter disputing the debt on XX/XX/XXXX. The second letter contain a copy of the notarized title and a letter. The second letter was received by Thank you for assistance in removing my name from this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX was notified of a hard inquiry that was not authorized by me. I have been told that they are not able to provide anything to me nor will they notify the credit bureau that this is fraud. I have disputed this with Equifax without success, and an investigation that Equifax says may take up to 30 days, turns around in less than 24 hours as closed without acknowledging or removing the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Problem I had learned that I owed JC Penny/Sychrony Bank {$230.00} when I refinanced my home XX/XX/XXXX. XXXX XXXX deducted this amount from my net proceeds and gave me a check for {$230.00}. I had no prior knowledge of this. I had moved to a new primary address in XX/XX/XXXX and had forwarded all mail to my new home address ( to be fair this may have been the initial cause of the problem ). In XX/XX/XXXX, I reached out to Synchrony Bank when I first learned of this outstanding balance for an explanation or a copy of a statement and they failed to provide it to me. I did not believe I owed anything so without any statement I completed a fraud report and sent it to me Synchrony Bank and they failed to respond back to me. What they did was to send the amount to collection. 
I finally received a copy of the statement from the Collection Agency, XXXX XXXX XXXX ( XXXX XXXX ) after I attempted to receive this from Synchrony Bank, XX/XX/XXXX. The statement showed a interest fee of {$1.00} back in XX/XX/XXXX which compounded to {$340.00}. 
On XX/XX/XXXX I disputed this amount with XXXX XXXX and they sent me the backup copy of the statement. I would not want to deal with Synchrony Bank again.

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 2023-04-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Serious Negative delinquency from citi bank on behalf of best buy falsely charging me an annual fee when i dont have any best buy accounts transaction is 2019 or older please show me documentation Showing proof of transaction showing I was ever late to Support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. 

the FCRA allows 30 days for this to be rectified

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-09-01
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}

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 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the Laws. I showed them multiple times of how they violated my rights. According To The Fair Credit Reporting Act.

According to 15 U.S.C 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting Accurately.

Then i asked them to provide me description of the investigation according to 15 U.S.C 1681i ( 7 ) and they never did And i got prove for that as well.The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

According to 15 U.S.C. 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also 15 U.S. Code 1681a Late Payments are Illegal On a Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;

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 2021-01-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can't access my Experian credit report/score since XX/XX/2020,. I called Experian multiple times and they have not resolved this issue. Every time I call, they transfer me between the dispute department and the membership department. This has caused me and my family a great pain because we can't get our mortgage approved because of this. I just called Experian this morning to complain to them about this and the representative that I was talking to, hang up the phone on me. I desperately need this issue resolved because it's preventing me from buying a house for my family. Please help me. This is not fair.

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 2021-03-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank has took no responsibility for allowing the XXXXXXXX XXXX fraud. They say its a 3rd part app so they have no control over it or cash back when you are scammed out of the money using the XXXXXXXX XXXX THEY provide in the XXXX application. What happened is I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the XXXX application. I have never used this before but saw it was available in my banking application ( Santander ) so figured it would be safe. I sent over {$750.00} to XXXX account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the XXXX account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via XXXX is {$750.00}, he asked me to use XXXXXXXX XXXX and send {$430.00} to XXXX XXXX username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through XXXX on Monday, XX/XX/2021. I sent the money to the same XXXX account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-12
Company: Paypal Holdings, Inc
State: OH
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:
I got notified that my funds were being used so I reported the transactions. And the same night I got an email stating I could no longer use PayPal that they were limiting my account. Now my funds are stuck in Freeze AGAIN. This happened to me a few years ago where they froze my funds for an entire year and after the year was up, they apologized stating it was a big mistake on their end and allowed me to continue using pay pal. Which I really didn't want to because they held almost {$2000.00} for almost a year. But I continue using it after a few months. Well here I am again being told I violated terms and conditions set by PayPal when I simply didn't do anything again. Except report some transactions that weren't mine. They are giving me the same speech about how they noticed suspicious activity on my account and this time they didn't even give me time to submit any documents or anything they just XXXX down my entire account and I can't use it anymore. Paypal already has a class action lawsuit for this same thing currently and I no longer will allow them to launder my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX-application with no help from lender ( Guaranteed Rate XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX-said nothing about DPA but said I didn't make enough money/convinced me that she can work with XXXX XXXX/asked for XXXX down or get a co-signer with income over XXXX  XXXX-asked for pre-approval for a cheaper property with no response XXXX-asked for a denial letter with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ================================== 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is 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 explanation