BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I unwittingly fell victim to a deceitful scheme involving my sister 's PayPal account. Someone gained unauthorized access to her account, assuming her identity to deceive individuals like myself. In good faith, I transferred {$3000.00} to what I believed was my sister 's account, unaware that it had been compromised. 

Upon discovering the scam, I immediately contacted PayPal to rectify the situation and requested the cancellation of the transaction, seeking reimbursement. However, they directed me to contact my bank, XXXX, to reverse the transaction. Despite initiating a claim with XXXX and their assurance of a temporary credit during their investigation with PayPal, they regrettably denied my claim within a few days without providing the promised temporary refund. 

I have yet to receive a detailed report from XXXX regarding their investigation. It appears they did not thoroughly verify my claims or contact PayPal to substantiate the situation. Presently, both PayPal and XXXX acknowledge the fraudulent nature of the incident but claim their inability to remedy it. Consequently, I've incurred a loss of {$3000.00} along with sending fees totaling {$92.00}. 

This experience leaves me disheartened as it seems neither PayPal nor XXXX has taken sufficient measures to safeguard users or assist victims of such scams. There's an evident need for PayPal to enhance its account security measures, ensuring rigorous identity verification protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX  ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction with the services provided by Wells Fargo, particularly with regard to the handling of my recent international wire transfer. 

On XX/XX/XXXX, I initiated a transfer of {$25000.00} from my Wells Fargo account to my XXXX XXXX account. However, the transaction failed, and I later discovered that my account had been blocked due to suspected fraud. Despite my repeated attempts to have the block removed, including contacting the Fraud Department and speaking with various representatives of the bank, no satisfactory solution has been offered.

I have been informed that I need a branch access code to regain access to online banking, but as I am currently located in XXXX and unable to travel to the U.S. this year, this option is not available to me. Despite my efforts to find an alternative way to verify my identity and unblock my account, the bank has failed to provide a solution.

Moreover, after filing a complaint through a branch manager and receiving a response from the XXXX  Complaints Management Office on XX/XX/XXXX, I was disappointed to find that they simply restated the problem without offering any practical solution. Case number : XXXX As a result of this ongoing issue, I am experiencing financial loss and inconvenience. I have no access to my account at all and I rely on it to pay bills. 

Thank you for your attention to this matter.

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 2023-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I bank with Chase Bank and theyve locked my account with over {$5000.00} dollars in cash in there and they are tell me that I cant bank with them anymore and they wont give back the cash I had in there! I deposited a check that I would usually deposit in my other bank account but I decided to cash it in this XXXX and because the name of it was wrong they decided to lock my account and keep my own cash and they are saying well keep the money for XXXX years then surrender it to the government this is not acceptable they have no right to my hard earned money and I am not required to go through such a time wasting experience, I will no longer deal with this but I still want my money dont ask me questions and dont give me papers to sign please just get this done with XXXX XXXX XXXX XXXX I cant put time into this but this is money thats gon na get me through college so please just help me with this! After all this is MY money, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

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 2023-07-05
Company: Experian Information Solutions Inc.
State: MS
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted c.comenity.net- Victoria Secret customer service to advise of the amount that was shown on my XXXX XXXX of a balance of XXXX when my credit limit was {$400.00}. I had made a payment of {$140.00} on XX/XX/XXXX as that was the amount I owed and was sent another credit card that I never activated due to wanting to get rid of another credit card and moving address. I wasn't aware the payment was not taken and was bounced back for some reason. I was made aware on Monday, XX/XX/XXXX, that the balance was now XXXX dollars I called to explain however I was advised that I had to pay the whole amount which I refuse to as I now longer have a credit card open with them. I told them I was willing to pay the XXXX that I had spent I was advised I couldn't so now I have to pay XXXX of interest when they have my email and could have provided this information to me with detail of the XXXX paid in XXXX not going through and I could have avoided the XXXX of interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: GA
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 been unable to review my credit report online since XXXX 2023. I have contacted the company on multiple occasions to receive assistance and the problem still persists. Theyve updated my address, reset my account and nothing is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX Unverified/Not Metro 2 compliant XXXX. XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXXXXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX  Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX. XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Klarna AB
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 I attempted to manage my Klarna card via their mobile app. The application returned an error stating that my identity couldnt be verified. I did not agree to any additional credit checks so I am unsure what the verification is for. I was simply attempting to manage the account to prepare for an address change. I contacted Klarna using the number printed on the back of the card, XXXX, and was connected to a representative who sounded like they werent sure what I was talking about. After a silent hold, they came back and said they couldnt support me and that they would forward my request elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: LA
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 See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPURTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telphone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for XXXX and reporting a zero balance for Transunion which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-03-22
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX and its creditor has been harassing me for a debt owed that isnt accurate. I have spoken with two XXXX supervisors who also can attest to this. They provided me with a XXXX request # XXXX. This account was never used or active ; theres already a service provided with the same address from XXXX. The equipment has been returned with a confirmation email. This is beyond fraudulent and I will be taking legal action for the harassing calls and e-mails trying to steal money out of me not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: National Credit Adjusters, LLC
State: LA
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:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$260.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Innovate Managed Holdings, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Denied my online payment many times provided false information to make a payment. The phone numbers on my old statements or emails dont work repo when I was over paid XXXX $ waiting until the weekend to repo so I cant do anything lied about financial hardship agreement blank information on repo work order has a auctioneer ready to seize in 1 day made many many over payments and quite a few double payments that never applied to my principal deleted my payment history off my online account. Purposely miss guided well quite frankly lied about how I can pay and gave complete wrong information on money gram asked for stuff that I cant even attach into their email formats. I didnt know about predatory lending until today and I believe this is a huge criminal organization that hides ands mis directs customers into a grey area. I have the cash on hand at this moment to pay off the loan but theyre not going to let me. Through research Ive found out they lost all the customers data. At one point my credit report said XXXX $ due I knew that was wrong still paid. At the same time the data was lost is when the statements stopped coming along with pulling it off my credit report and deleting my payment log on there website. I feel they are going to deny my in full payment to complete the loan when its almost paid off so they can refinance predatory to the next customer. They are milking middle to lower class people of money and in my case stripping my ability to work. These are XXXX  that have to hide there annual earnings because they are so high. This companies main objective is to loan unplayable amounts to desperate people. I can prove 100 % through bank statements and cleared transactions with dates being forged. These people are wolves and need to be prosecuted. I can only imagine how many families have been wrecked.right now as we speak I am over paid XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute an erroneous loan account through XXXX, Experian, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting 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 2023-03-22
Company: Sulphur Bank Rancheria Enterprises
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have sent over 7 emails a registered letter to request the stop of a wage garnishment which by law I can stop any time. I have asked the company to mail me a copy of all documentation on the loan and each time they respond as if they are just ignoring my request. They claim through e mail the amount due is around XXXX. They are misleading me as a consumer as after taking a look into this company they actually charge a interest rate of over 700 %. I am disputing this as the law limits the amount of they can charge in fees by law even in the state of California. They claim to be doing business under tribe law but in the fine print it says that the tribe does not guarantee this. I need documentation sent to me in the mail for further review and they need to send me written communication that they got my registered letter. I have copies of all e mails and the register letter I sent and the receipt that it was sent and receive by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SYNCHRONY FINANCIAL
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:
The company is Synchrony Bank/Venmo . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.

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