BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I received a credit card from XXXX  several months ago in hopes of rebuilding my credit to purchase a home. I received the card used it a few times throughout the day then the last purchase I attempted to make declined. I immediately contacted customer service to inquire about this because it was a brand new card and I know that the small purchases I made didnt total to the credit limit of the card. This was over 60 days ago it is reporting negatively on my credit report and I only received some assistance when I opened a case with the XXXX. I decided to call today because again it has surpassed the 60 days that they claimed the investigation would take. Coincidentally I was told I received a denial for my claim today through email which I did not but it was awfully strange that when I called the case so happens to be closed on this particular day. This is reporting negatively to my credit report for months assistance with this matter has been nonexistent to say the least. Again this and several other cards which are current were to build my credit. XXXX isnt protecting its customers and is trying to get over which is no better than the individual who utilized my card however they were able to. I will fight this charge until it is removed I will not pay for something I didnt do. XXXX has dragged its feet for several months on this issue I will not be silenced about this I hoped this would be a good experience but it has been one of if not the worse experiences Ive had with a credit and company to date.

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 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 was involved in an accident. capital one has put a late on my credit report. I spoke with them multiple times before and after. I was told my car is being paid off from my accident. Please call by this date in XXXX of 2023 to make sure there is no amount still owed on the car to not have a late on your credit. I called on the date I was told to and told to pay directly through my account not a card just to make sure payment goes through on time. My very last amount that insurance didnt cover. The late is on my credit and its stopping me from buying a home. I need this fixed please. Capital One doesnt do what they say and they are very rude about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I called Citi Bank to close my credit card account. They made me go thru XXXX and back to close it. They tried everything to get me to not close it. It was extremely frustrating and time consuming. I told them I'm getting close to retirement and want to pay off debts and asked for the amount I owed so i could close the account. Finally, I got an amount and it was paid. 

XX/XX/2021 CITI CARD ONLINE PAYMENT {$30000.00} ( from my bank statement ) At the beginning of XX/XX/2021, I started getting notices from Citi that I was late on a payment. I called and told them I closed the account and paid the amount Citi said I owed and they tried to say " Oh well there was some interest that accrued and wasn't paid and then there's a late fee because you didn't pay the interest ''. I explained the situation ... how I owed ZERO and wasn't paying another cent as they had given me the payoff amount. The woman said she understood and would take care of everything. Well, she didn't and 2 weeks later I was getting more calls. This time I talked to a guy who said ok, he would take care of zeroing out the balance. Well, he didn't and the calls kept coming. Yesterday, XX/XX/XXXX, I talked to XXXX in customer service. I tried to get the name and address of the executives in charge so I can file a small claims lawsuit for all the time and aggravation they have caused. She wouldn't give me any names or addresses of who I could serve with papers. NOTHING! That's not acceptable. The names and business addresses of these people should be available. XXXX ( no last name given ) gave me her customer service number - XXXX. She said she would take care of zeroing out the balance but I just got an email from them saying I owe money. 
This is a scam on consumers. When a customer calls for the balance due on the account because they want to pay it off, they should be given the amount and that should be the end of it. I had this same problem years ago when I tried to pay off my XXXX XXXX account. They kept coming after me for minor amounts that they said weren't in the final balance but somehow appeared after I paid off the card. We need a law to protect consumers from this type of treatment.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 


For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Their investigation did not fix an error on your report

Complaint:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Did not deal with the hard inquiries on my credit report I don't have knowledge of or recognize

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 2021-05-27
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just got an alert about a debt on my credit report. I am disputing the debt as it is not mine. I received no notice to dispute the debt and this is a violation of my rights. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: Kriya Capital, LLC
State: MO
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:
After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that closing my PayPal account is a mistake. I am using my Paypal account for my online business XXXX advertising  Service since XX/XX/2022. My paypal account : XXXX was use for my business that support my family And I am hoping that I will get back my account and able to do transactions with you. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Dear Sir/Ma'am, Good day! 

I am writing a complaint to your good office because of this reason, on XX/XX/XXXX, I received an email from PayPal and was notified that I violate Paypal 's acceptable policy. 

I was confused and devastated when I've learned that I can no longer withdraw my funds, below is the breakdown : XXXX XXXX XXXX EUR XXXX USD Coming from a third world country, the fund that was placed on hold for 6 months is very crucial for our daily lives since I am the bread winner in the family. 

I appeal and seek your assistance and I hope that you could help me and other people who faces the same issue of mine. 

Thank you. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Selene Finance LP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, To START, the death of borrower. I inherited the property securing the loan. Went thru probate, everything to assume the loan. The loan continuously remained as an estate even after countless times of trying to assume the loan. So I continued to struggle to make payments. I got sick back on XXXX XXXX. It was initially thought to be a temporary XXXX. 

2 years ago I almost lost my home. It was the judge that told me where to seek assistance after being 12 months behind. He referred me to the SC Helps.gov. They paid my mortgage for 2 years to give me the opportunity to seek additional income or be able to return back to work. Since then, I've been declared 100 % permanent XXXX. 

I used the papers that XXXX presented in foreclosure court stating the death of the borrower.Finally, they did add my name to the loan. I had to apply for an assumption although I had presented the necessary probate papers over and over in previous years. 

The application asked about the condition and worth of the home. I did provide the information of owing $ XXXX however the value is much much more than that. 
I applied AGAIN for help. 
This time I was denied help, but was offered a statement to sign to surrender my home. It said I HAD to sign. I panicked and discarded the letter. I did not want to feel pressured to sign that form. They also said I had over {$3100.00} is monthly debt so I had to surrender my home. I do NOT have {$3100.00} in dept. 
I didn't sign ... .and threw that paper away. I just want a little relief. They won't even try to help me. 

During the years, XXXX had denied request for help as- Death of Borrower- not eligible for modification, insufficient income and death of the borrower, over and over again stating the only option is to -surrender the property to them. 

I've exhausted the SC Help funds. I just need a little relief. a permanent little relief. Paying over {$1000.00} is so intimidating. If I could just get it under {$1000.00}. 

They won't even let me try a modification. 

Thank you for your time in reading my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Account status incorrect

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 up to present My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 
For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone saying they were a process server trying to get a hold of me at my residence. I was at work at the time so I was given a phone number to contact and a case or reference number. I contacted the number provided and was speaking to a man named XXXX extension XXXX that told me he was trying to collect a past due debt from Wells Fargo bank. I indeed did have an outstanding debt from Wells Fargo and they also had my current and previous address which they said they had sent me mail to which was made this whole situation seem legit. He said that Wells Fargo was summoning me to court to file a lawsuit against me in an attempt to collect this debt. Myself not wanting to deal with the court and lawyer fees asked how to take care of the debt immediately. I was told I would be sent an email providing me with a link to where I could pay off the balance and avoid all the extra fees and being summoned to court. I followed the instructions on the email, providing a payment method by credit card and after providing the payment was given assurance that no further action would be taken. I paid a total of {$2100.00}. I was sent a receipt for payment stating XXXX balance. Something about the name on the header made me skeptical about what had just happened. I have contacted discover fraud department trying to put a stop to the pending payment but even after speaking with a supervisor was unfortunately told there was nothing I could do and that the payment will stand. I since have contacted the attorney generals office.

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 2020-07-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( selling e-book, digital product, freelance ) since ( XXXX ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: United Resource Systems, Inc
State: AZ
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:
THIS MEDICAL DEBT FOR XXXX XXXX XXXX WAS JUST RECENTLY PUT ON MY CREDIT REPORT, I CHECK MY CREDIT REPORT OFTEN I AM WITH XXXX XXXX AND THIS WAS NEVER ON MY CREDIT REPORT. I SPOKE WITH A FEMALE NAMED XXXX, SHE ADVISED ME THIS PAID {$11000.00} AND THIS WAS PAID OUT OF NETWORK, SHE SAID FOR ME TO APPEAL THIS AND MAKE IT KNOWN THAT THIS WAS ALL UNDER PAID SHE GAVE ME MORE INFO IN REGARDS TO THE PAYMENT BEING REVERSED OUT ON XX/XX/XXXX, AND THEN PAYMENT WAS PAID {$4400.00} & {$4100.00} PAID ON XX/XX/XXXX ... ..TOTAL THAT WAS ONLY PAID WAS A LITTLE OVER {$8000.00}. SHE ADVISED ME TO APPEAL FOR XXXX XXXX XXXX. SHE STATED FOR ME TO ADVISE THE INSURANCE THIS WAS BEYOND HIS CONTROL FOR MEDICAL EMERGENCY. SHE STATED THAT THE XXXX XXXX XXXXXXXX WILL TAKE A PATIENT IF DEEMED NECESSARY AND OUT OF ONE 'S CONTROL. XXXX XXXX HAD A 2 XXXX AND HAS NOTHING, NO ASSETS BUT HIS CHILDREN .THE REASON FOR MY COMPLAINT IS THAT THIS WAS NEVER, I REPEAT NEVER ON MY CREDIT UNTIL I MADE THIS CALL TO FIND OUT WHAT WAS PAID FROM HIS INSURANCE. IF IN FACT THIS IS HIS DEBT AND NOW MY DEBT THEN WE SHOULD HAVE AN OPPORTUNITY TO HAVE BEEN NOTIFIED FROM THE ORIGINAL CLIENT TO GIVE SOMEONE AN OPPORTUNITY TO MAKE SOME TYPE OF ARRANGEMENT TO PAY {$10.00} A MONTH OR BE ABLE TO DISPUTE THIS FROM THE BEGINNING. THERE WAS NEVER ANY NOTIFICATION GIVEN ITS JUST ON THE CREDIT REPORT. MY COMPLAINT AGAIN, IS THAT THIS WAS NEVER ON MY CREDIT REPORT UNTIL JUST ABOUT 2 OR 3 WEEKS AGO AND IT'S BEEN IN COLLECTIONS FOR ALMOST 2 YEARS PER XXXX AT UNITED RESOURCE SYSTEMS. THANK YOU XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX 's XXXX since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation