BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
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 am a victim of identity theft and my Zales card was opened fraudulently. After contacting Zales and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
In XX/XX/XXXX I received notice from XXXX XXXX cards that my credit line was being reduced due to information reported to XXXX by Bank of America ( BAC ). Upon viewing my credit report in XXXX, I learned that XXXX reported that I missed a payment in XX/XX/XXXX. I reviewed my online statements and bank receipts and they both show I made a payment of {$500.00} was received by BAC on XX/XX/XXXX and I was never 30 days late in XX/XX/XXXX as they reported. 

I have filed XXXX disputes with XXXX to get the information corrected and each time BAC send different payment information that is still incorrect as of XX/XX/XXXX XXXX dispute # XXXX. As of today, the payment history shows that my last payment before the XX/XX/XXXX statement ( Which was send XX/XX/XXXX ), was XX/XX/XXXX. This is incorrect since I made a payment in XX/XX/XXXX for the payment due ( see attached records ). I was instructed to call BAC and I did XXXX times spending a total of XXXX hours waiting on hold or talking to representatives. Each time they acknowledged a payment was received on XX/XX/XXXX but failed to send the correct information to the credit bureaus. I believe BAC is not acting in good faith and is trying to cover up an error that their transaction data reporting system made. I believe they have violated credit reporting regulations. 

This has ruined my credit and put me in financial risk as my XXXX XXXX and history prevented me from receiving a capital loan for my business as well as caused other creditors to reduce the amount of credit I had available. I am seeking restitution and for the correct payment history information showing my XXXX XX/XX/XXXX payment to be sent to all reporting credit bureaus asap.

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 2021-08-23
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:
On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I am in violation of PayPal 's Acceptable Use Policy. I sell Instagram Accounts and in XX/XX/2020 I've got another limitation by PayPal, and they asked me to explain my business and where the money are coming from ( Ref ID - XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I am in violation of PayPal 's Acceptable Use Policy or that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I work and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not selling stolen virtual goods. At first, I thought this was a mistake, so I emailed XXXX, requesting a second review, and they redirected me to PayPal 's Executive Escaladation, but they told me it wasn't a mistake and I was really violating PayPal 's Acceptable Use Policy, but they didn't tell me what exacly was against PayPal 's policy or which products or services are in violation with the policy. They told me that they will do regular reviews of the account and they will tell me when I can withdraw the money and how much I can withdraw. My problem is that most of the money in the balance ( up to 75 % ) are coming from transactions that are older than 6 months, so there is no way of chargebacks or refunds. That being said, the reason why I am writing this is because I want to understand what I did wrong and how I was in violation with PayPal 's Acceptable Use Policy. I expect a clear explanation, giving me the number of the transaction that violated PayPal 's Acceptable Use Policy and more importantly, why it did. Besides, I request another review of my account in which PayPal to calculate the damages ( if there's any ) and let me withdraw at least a part of my money, since most of them are coming from transactions older than 6 months. I suffered huge losses for my business and the only reason I've got was " Some of your products or services are violation of PayPal 's Acceptable Use Policy '' and this is not enough for me to block my XXXX $ balance and ruin my business. I understand that under their User Agreement they can hold my money up to 6 months, but I want to understand the reason why they are doing it, especially when they verified my activity back in XXXX and didn't find anything suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items

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 2022-10-24
Company: Experian Information Solutions Inc.
State: CO
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MN
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:
XXXX, Equifax and XXXX have all failed to show me the LAW ( not code, policy or statute ) that gives them authority over a man or provided a wet ink contract I have with them that gives them authority to post information on the internet or give them a right to cause me financial loss, injury and harm when I do not owe any of these companies any kind of money or caused them loss, injury or harm. These XXXX  companies will have 21 days to remove information I tell them to remove or I will be filing a monthly TORT CLAIM in the amount of {$300000.00} for stealing my TRADE MARK/TRADE NAME - IDENTITY THEFT ( taking my info a using it against me causing me loss, injury and harm ) - ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT _ DEPRAVATION OF RIGHTS UNDER COLOR OF LAW ( 18 USC 242 ) among other UCC/USC Violations XXXX 
ALL THREE CREDIT BUREAUS are ordered to remove XXXX, XXXX XXXX, XXXX XXXX XXXX AND XXXX off my LEGAL FICTIONS/DEAD ENTITY REPORT - XXXX XXXX XXXX or these companies will need to compensate me monthly for the abuse. THEY ARE ALL ON XXXX NOTICE AND IM NOT PLAYING GAMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
been charged overdraft after deposit the amount

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 2021-08-23
Company: EQUIFAX, INC.
State: MD
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:
Multiple times over the last 36+ months I have requested my annual credit report and have been and STILL Im getting denied. I have sent by certified mail and fax identifying documents and have talked by telephone to EQUIFAX agents from nations outside of the contiguous USA and still can not get my consumer credit report, scores, NOTHING because EQUIFAX says the information I am providing does not match whats in EQUIFAXs records! The result of this egregious failure by EQUIFAX has caused my creditworthiness plummet in to the 500s and has ruined my ability to participate competitively or at all. I am also unable to dispute the several inaccurate, unvalidated accounts and remove the several unauthorized inquiries. My MOST RECENT request was made on XXXX XX/XX/2021 via fax to the fax number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At XXXX I got notifications a XXXX transaction was made for {$240.00}, however I didnt make that transaction and my bank is holding me accountable for it even though I was dealing with a flat tire at that time! Also they said they cant help me. Well they are my bank they have to help me its a transaction to a unknown person Ive never met or heard of I think its unfair.that someone got a hold of my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2023-05-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I looked up a trip from XXXX XXXX to XXXX  and found that if I stayed 5 days at the XXXX XXXX resort I would get a {$620.00} Property Credit. My stay is checking in the the XXXX  and checking out on the XXXX. I called the agent who confirmed that was the case and that the credit would be issued once the ticket was finalized. Unfortunately, it was not noted on the final receipt. I then called up Amex and had them look up the disclosures for my stay and the confirmed I should receive a credit but that the issue is with XXXX XXXX I called XXXX XXXX  only to have them tell me I need to call AMEX as they need to hit " some kind of Button '' to issue the credit. Long story back and fourth the disclosures I found and confirmed was accurate and they have bumped up my complaint to the higher ups and provided me with a reference NO : XXXX. I received an email below which basically says its XXXX XXXX fault. below is their response : " Thank you for contacting American Express Travel to address this matter. We tried to call you using your phone number saved on file, however, we're routed to your voice mail. We received your case with Reference NO. XXXX under trip id : XXXX on where you wanted to apply the hotel credit promo of {$620.00}. We apologize for the late update due to we're receiving high volume of cases. 


Just a quick update, we've contacted XXXX XXXX XXXX XXXX at XXXX in regards to the promo you saw online. I spoke to one of their representative from Room Reservations Department and I was advise that the day you book the reservation the promo was not offered due to they have black out dates, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Please accept our apology for the inconvenience it caused you. 

Please reach out to us if you have any additional questions we're here for you and want to ensure you have a good travel experience. 


Thank you for choosing American Express. '' _______________________ With that being said I called again to see why they are not offering to explain why they are advertising the dates and they then created another ticket and the manager will reach out which has not happened and I am leaving on my trip for the XXXX. I went even further and told them they should honor that and I will change my flight to accommodate whatever date they said was right. The response was I cant do that as it would cost too much to change the flight I also booked with them. 

Everyone I have spoken with tells me something different and some acknowledge the mistake and others don't. The fact is I booked based on their advertisement. Period. 

I would like them to honor the {$620.00} which they are advertising as of RIGHT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX  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

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 2023-05-10
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was given wrong and misleading information. I was told that if i pay my debt in full that the collection will be completely deleted from my credit report. After i paid the debt it was updated to paid but not removed. It is still affecting my credit score negatively. I am trying to purchase a home and this negative status is holding me back. I was mislead and given false promises just so i can pay the full balance. This is completely unprofessional and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I have filed a fraudulent activities in my checking account and credit card with Bank of America because my computer was compomised. It takes hours just to get someone from Bank of America fraud service on the phone. Then they would transfer you from one department to another and then you are put on hold again and again. After all those hours spent on hold and days to get someone to take your report, 3 months later, they simply informed you that they do not believe it's a fraudulent activities. I even went to the bank in person but they just sent you away and tell you to call their fraud line. 
This is how my account was compromised. 
They would sent you a email and letting you know that your account was charge for an amount. If you believe this is an error please call XXXX XXXX XXXX XXXX. When you call them they said that they will reverse the charges but before they do that they kindly asked you to download an apps to that they can help prevent from it happening again. Basically the APPS allow them to access your computer so they can do virus scan. Then they will ask you to check your account to see if the amount was put back into your account. This is how my checking account was compromised. Because my credit card is link to the checking account, they transfer fund from my credit card to my checking account and claim that they over paid you and ask you to wire the fund back a foreign account because they claimed that they business internationally. So be aware of this scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, an unauthorized debit in the amount of {$1300.00} was performed on our checking account. It mentioned online realtime transfer to XXXX XXXX, transaction # XXXX, reference XXXX XX/XX/XXXX. When I noticed such transaction that same day, I contacted Chase immediately. They mentioned that it showed as a transaction paying a XXXX XXXX account. I mentioned that the transaction doesn't belong to us and request opening an investigation. Claim number assigned by Chase was XXXX. 

On XX/XX/XXXX, Chase responds that the claim doesn't proceed because it allegedly was done with my wife 's login credentials. We proceeded to change and suspend login credentials for my wife and I changed password on my credentials. I again insist that the transaction was done incorrectly and in XX/XX/XXXX, my wife and I submit a letter where we state that we've never had a relationship with XXXX XXXX and that funds should be credited as soon as possible. On XX/XX/XXXX we receive another letter stating that our claim was denied. I contacted XXXX once again and they stated they were going to forward all available information for our review. This never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you

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 2023-06-20
Company: EQUIFAX, INC.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received several phone calls today from two different numbers. Informed them the matter was in bankruptcy over a decade ago, that Ohio statute of limitations for the debt was 6 years and to please remove me from their list. She became became abusive, told me not to open any more credit cards and called me a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt of {$4000.00} was opened on XX/XX/2023 on my credit report ( XXXX XXXX ) which I did not accrue. 

I called Sunrise Credit Services on XX/XX/2023 and they informed me the debt originated with " XXXXXXXX XXXX XXXX XXXX XXXX' and an address in NJ ( XXXX XXXX XXXX, XXXX NJ ) with which I have no association. 

I was informed that these people in NJ might have my SSN.

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