BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal. They also promised that my money was going to be available in 180 days but my account is still limited. They send me an email after the 180 days hold they put in my account stating that my PayPal funds were eligible for withdrawal but that was not the case. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this notice.

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 2021-05-02
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2022-02-02
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:
On XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, XXXX and Experian disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and they also have gone against the Public Records Acts Violations and Privacy Act of 1974! I also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!

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 2023-01-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Businesses : Chase Card Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and/or XXXX ) Issue : Unauthorized credit card charges XXXX XXXX XXXX  Automatic debit credit card without authorization Invoiced payments are first applied to the oldest amount ( dates were not invoiced ) due dates then invoiced again for the same dates Chase Card Services ( Chase ) Informed Chase that automatic credit was not authorized, both telephonic and written Closed Chase after unauthorized credit card charges by XXXX. 
Issued a new card ; and Chase processed XXXX charges on new credit card Held financially responsible by Chase XXXX Since XXXX, I was a patient of XXXX. In XXXX, XXXX purchased XXXX. XXXX applied two practices : Automatic debit credit card ; and payments applied to oldest debit first. 

On XX/XX/XXXX, I received an e-mail from XXXX. On XX/XX/XXXX, XXXX will charge {$50.00} every Monday on outstanding balance, see XXXX XXXX. I spoke with XXXX, XXXX XXXX, that stated that my account will not be charged. On XX/XX/XXXX and XXXX, without authorization, XXXX charged my Chase Credit Card Account Number ending in XXXX, collectively {$50.00}. Account was closed immediately, and a new credit card was issued, account ending in XXXX. 

On XX/XX/XXXX, XXXX charged account XXXX {$50.00}, and Chase applied it to XXXX, without my authorization. I requested to close the account again instead a Chase agent placed a payment block on XXXX. On XX/XX/XXXX and XXXX and XX/XX/XXXX, XXXX submitted {$50.00} payments for each date and Chase processed them. For each date a verbal/written stop payment was submitted to Chase. 

In XXXX, I permanently closed my Chase account. To aspirate the problem, Chase has issued temporary credit for each charge, but stated in " Update : Your account has been credited '' that the credit will remain on my account while the issue is being reviewed. I should not be held responsible for {$250.00} plus interest. 

XX/XX/XXXX : Re-dispute letter, Chase XX/XX/XXXX : Dispute letter, Chase XX/XX/XXXX : XXXX XXXX XXXX payment errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: FISERV INC.
State: MO
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:
A month ago I noticed transactions on my account was unauthorized transactions. I called money network and submitted a dispute form thru email. For XXXX weeks I heard nothing back from them. So I called the dispute department directly and submitted a dispute. I am a XXXX veteran all my pins to all of my cards are the same. I have a XXXX yr old son who I caught stealing from my home on XXXX XXXX XXXX XXXX XXXX, mo. I called the police and got a police report. XXXX XXXX XXXX police department XXXX XXXX XXXX police report number XXXX XXXX XXXX XXXX. Yesterday XX/XX/2023 I received the dispute paperwork in the mail, and the dispute denial in the mail. They said because my pin was used. I told them again today my son was the one who made those unauthorized transactions and because he is my son he has seen me use the same pin for years. Please help. This is not fair to me as a customer. I did not make or authorize use of my card for any of the transactions listed on dispute claim XXXX or dispute claim 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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ai open end consumer credit plan as late for XXXX purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: AES/PHEAA
State: MO
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:
XXXX : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX ) I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

FED Loans : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XX/XX/XXXX-XX/XX/XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, XXXX, Fed Loans, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is regarding a hard inquiry : XXXX on XX/XX/2021. 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but TransUnion provided me with no concrete proof that it was authorize by me. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off 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 2021-05-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2021 I sent letters requesting my information be updated to XXXX, Equifax, and XXXX. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 filed a complaint with this agency against portfolio recovery. They inaccurately reported that I owe them {$410.00} to all bureaus. I asked portfolio recovery to verify the debt with the original signed application and the statements showing where the balance came from. The only thing they sent me was a copy of a letter that the debt was sold to portfolio from cXXXX  XXXX. THEY ARE REFUSING TO VERIFY THE DEBT. I live in an apartment building with multiple families, unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this negative account. also they have my name on the account as XXXX XXXX but my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22 our bank ( XXXX ) wired {$27000.00} twice in error ( should have been done once ) to JP Morgan Chase to cover our payroll ( we have assisted payroll through XXXX ). The error was brought up immediately to XXXX who told us we had to go through XXXX to retrieve our money back. I have contacted XXXX multiple times, mostly by phone. I have emailed them documents as proof. Since XXXX has a relationship with JP Morgan Chase, they have been in contact with them. The first excuse as to why we don't have our money back was because JP Morgan Chase tried wiring it to us but it got bounced back to them. The second excuse was they had put a check in the mail ( in XXXX ). The third excuse was they had to hold it for a 12 week concession ( dated XX/XX/22 ) which would mean XX/XX/22 was the end of 12 weeks. The fourth excuse was a bank change form had to be filled out ( was already done and sent to them in XXXX ). It's been 4 months and there is no reason why we haven't received our money back. We are a small non-profit business ( private school ) and we really need these funds returned to us. JP Morgan Chase admits they have our money, but for some reason won't return it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CCS Financial Services, 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: Reporting company used your report improperly

Complaint:
I, XXXX XXXX XXXX, a consumer reviewed my credit profile on XX/XX/23 and Identified a discrepancy with account listed under CREDIT COLLECTION SERVIC and validation was requested as this was an account I did not recognize. I reviewed my report again on XX/XX/23 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Pursuant to 15 USC 1682g. I requested that they provided me with verification of this alleged debt, no documentation was provided. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act they are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 


According to the 15 USC 1681 law, there should not be any damages on my report as this defamation to my character. Please remove all fraudulent accounts immediately.

I hereby inform that this company does not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to them having my personal and private information. This constitues aggravated identity theft. I also did not provide consent for them reporting information in my name to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
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 believe Experian is purposely and unethically preventing my credit score from raising above XXXX. This has been going on for a year ever since I made complaints about numerous issues regarding their credit reporting habits. No matter how many accounts I pay, account closures, new open accounts, or credit usage adjustments I make. Experian reports items late, not at all, does underhanded tactics right before positive account history or new accounts will appear in order to lower my score beyond a reasonable number just to bring it back up to XXXX. 

This company will not cease these behaviors. PLEASE TELL ME WHO TO REACH OUT TO. This has to stop. Its illegal. This is retaliation because I have made prior complaints and grievances regarding the FCRA. No other credit bureau is doing this. Who can help me because nothing is being done and I have no choice but to use a service that is taking advantage of me, my personal information, and my financial stability. I am open to a class action lawsuit.

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 2021-05-11
Company: Synergetic Communication Inc
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a debt collection letter from this company. Followed the instructions to get online and make a payment to settle the debt. They listed a payoff amount lower than the supposed debt owed and I paid that amount. Then the balance said I still owed. I have been unable to contact anyone at any hour on any day of the week to get assistance with my supposed debt. This company is a scam and has taken money from me. I want my money back and for this company to be flagged as a Scam!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 non-monetary relief