BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I apply Venmo credit card And got approved. When I want to sign in to my account it asked for my last XXXX of my social security. I provided the last XXXX of my social security and then it said it is not the correct digits. I then called and they said I was not able to provide the correct philosopher digits. I told them my social security number over the phone and they said that was not correct. I asked them how was it possible for my social security that is not correct to be approved with my personal information. They said they were not sure what to do and they were not sure how that happened. I told them that somebody else 's self security number was approved then because I just provided you mine and you are using my personal information and somebody else 's social security number.. They are now asking me To send my personal documents in the mail Which I am not comfortable with doing. To resolve this issue.. The issue is not mine it is theirs on their end with their application process that they have taken the social security number of another person and used my personal information and a requesting additional documents that only the government should need For reasons. They need to fix this in their system ask me to reapply and close this account without it affecting my 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 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 Balance : {$XXXX} XXXX XXXX XXXX XXXX  Balance : {$XXXX} XXXX ( Original Creditor : XXXX XXXX BANK XXXX COMPANY ) XXXX Balance XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX Balance XXXX {$XXXX} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-24
Company: LEXISNEXIS
State: MI
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 have reached out to LexisNexis and XXXX and they are refusing to provide me withmy consumer report XXXX XX/XX/XXXX the sent me a letter stating that they are unable to authenticate my identity and therefore can not process my request. I have provided them with a copy of my y drivers license and they still refuse to provide me with my consumer report which is a violation of my rights under the FCRA. Attached to this complaint is a copy of of my Drivers License I porviede to LexisNexis and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: TX
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 am in the process of obtaining mortgage approval. My mortgage lender XXXX submitted a rapid rescore to Experian on Monday XX/XX/2021 with supporting documentation to have inaccurate late payments removed on my credit report. On Friday XX/XX/2021, XXXX was notified from Experian that they did not accept the written documentation and is refusing to deleted the inaccurate late payments and update my credit report. This is documentation directly from the creditor stating that the late payments are to be deleted because they are reporting in error. XXXX  and XXXX  have already updated my report but Experian is still refusing to do so. I can not open a dispute due to my closing date happening in less than 1 month.

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 2023-01-10
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Spoke to someone for loan depot. Update!!!! Spoke to city of XXXX funny enough loan depot didnt PAY my property taxes of {$4700.00}!!! This is why my escrow went up!!! They were saying our taxes went up now of {$3700.00} which is a lie!! Thats more than 8 % thats illegal!! XXXX put a lean on my house because loan depot did not pay out taxes! This is insane! And they wont even let us pay them ourselves! Literally crooks!! This needs to be rectified I will not stop until it is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cashapp account was compromised on XXXX XXXX, in the amounts of Exact amount of the payment : {$500.00}, {$250.00}, {$550.00} & {$150.00} totaling {$1400.00}. I contacted cashapp the did an investigation concluded that the account was compromised and the dispute team would reach out to me. Never happened so I contacted cashapp support back they told me my case was closed because they didnt hear from me. Same things keeps happening. Im getting the run around on them returning my money. Ive contacted my bank theres no way for them to speak or reach cashapp so they advise I contact cashapp to have funds returned. They closed the old account that the funds came out of and instructed me to make a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/2023 I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from XXXX to be expunged from my Consumer Report. As of XX/XX/2023 EXPERIAN continues to negligently furnish the adverse information that Is result of XXXX  and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.

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 2023-11-16
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX. 

AXXXX 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  has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.

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 2023-05-20
Company: EQUIFAX, INC.
State: FL
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 been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Paypal Holdings, Inc
State: NC
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/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. 

I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). 

A few minutes later another line item popped into my papal account for one XXXX credit. 

Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. 

On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. 

I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. 

The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. 

The transactions they allowed unauthorized are XXXX and XXXX. 

A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Retail Merchants Associates
State: LA
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 received XXXX calls today about an XXXX XXXX payday loan that I did not apply for. The first caller said it was back in XXXX, the XXXX  caller said that it was in XXXX for the amount of {$1900.00}. I explained to the XXXX that I never took out a loan with XXXXXXXX XXXX nor have I ever tried. 
I told him I only owe XXXX debt and that is with XXXX check cashing, and he became very belligerent and and said that you owe them so I'm going to go ahead and file this claim against you and hung up in my face. I do not remember his name or hers but the phone number they called from is XXXX. 
There is a XXXX in XXXX XXXX with the same exact name as I have and she has been all over my credit reports. I looked her up a few years back and tried to tell her that her debts are on my report and she hung up on me. 
I would like to report all of this today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has XXXX my federally protected consumer rights to privacy and confidentiality under 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 : # XXXX, XXXX  : # XXXX, XXXX XXXX  # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXXXXXX XXXX : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received a complete 2021 Mortgage Interest Statement from PNC Bank. I had my mortgage with BBVA but unfortunately PNC acquired this bank. I received a statement from PNC that only covers the 3 months since the acquisition to year end. In the bottom part of the statement it says that if my mortgage was acquired by PNC in 2021 I would receive an additional year end statement from your previous servicer. ( See Attached copy of PNC statement. ) NEVER RECEIVED this additional statement. I called PNC 2 weeks ago. They told me two statements were sent, and if I just got one the other one was lost by the USPS. They also said that they could not give me a copy of the additional statement because they were still being scanned and uploaded to their system. They asked me to wait for the mail and if I didnt receive it to call again. I called today and received a TOTALLY DIFFERENT explanation. I was told that I was not supposed to get two statements but just one. This is in contradiction to what the official PNC statement said and also in contradiction to what PNC told me on the phone. I was told that they had to issue a correction so I can receive one consolidated statement. They said this could take up to 2 weeks. THIS IS UNACCEPTABLE. I have not been able to turn my tax material to my accountant because I am waiting on PNC. This bank either lying to customers or has not procedures. What is undisputed is that they are not complying with the deadline to submit these statements by XX/XX/XXXX. It is now way past the deadline and I have not received a complete statement. This is not the first complaint I file against PNC. Early after the acquisition they withdrew money from my account without consent and refused to wired it back until the CFPB got involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
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:
I want to make complain about JP Morgan Chase bank. I received a late payment fee for not making payment on time back in XX/XX/XXXX. My due date was on XX/XX/XXXX which was a XXXX. The next following day was XXXX XXXX so the branch was closed because its XXXX XXXX  So the first following business day was XX/XX/XXXX. I did make my payment at a branch on the XX/XX/XXXX, XXXX. 

According to the Credit Card Accountability Responsibility and Disclosure Act of XXXX, the payment due date should be extended to the next following business date if the due date is on holiday or weekend. In my case, I wasnt able to make payment over the phone or online. 
Because I had to made payment by using a physical check from another person. I must deposit the check at branch. However, the branch did not open on both day of XXXX and XXXX. 

I tried several times to talk to customer service agent at Chase. But all of them insisted that Chase bank do not have grace period ; payment must be made on or before the due date regardless whether the due dates fall on weekends or holidays. This is contradicted with credit CARD Act of XXXX. I dont care about if they will refund me the late fee, but this is about whether the corporation is practicing their business under the Law and integrity.

Company response to consumer: Closed with explanation