BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, Monetary Authority, my PayPal account is permanently XXXX. 
I received cash withdrawal email notification after 180 days of account balance, but I still can not complete the linked bank and cash withdrawal. I have contacted the customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
We started to get statements from XXXX XXXX regarding a past due amount due on a credit card for our company. We do not have a credit card with BMO so we called them to get information. They stated the card was opened 2 years ago and just recently became past due of {$8100.00}. I stated we have never had a credit card and to provide, charges, dates, where this card was sent to, etc etc. They refused to provide anything and kept either transferring or just hung up. They stated they would only provide information if it was paid off first. We called several times to report this as a fraudulent credit card or to get information. The more we spoke to them, the more it seemed that they XXXX was committing the fraud themselves.

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 2020-12-16
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:
my report says there is a late payment and a charge off and a collection account I dis agree with and unauthorized inquiries

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 2018-03-02
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I cashed my check from XXXX of {$1900.00} to the XXXX XXXX U.S Bank branch ATM In XXXX Oregon on XX/XX/23 at XXXX. When I cashed my check they made {$200.00} result available to pull out until the rest cleared on Monday XX/XX/23. On this day ( XXXX ) I checked my account and it was negative {$230.00}, I called to see what happens and they said they took it back towards my check and said it would finish clearing on Tuesday XX/XX/23. When that Tuesday came around it still hadnt been cleared. We called the bank again asking what the issue was as it was a well established business paycheck. Not someone personal Checking account. They said they were unable to reverse it and it would clear on XX/XX/23. By this time I will have already had a second paycheck. They have yet to give a reason as to why a work paycheck would be held for two more weeks, as well as refused to fix the situation.

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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: NY
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:
An account was opened in my Name with Zales. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as Comenity Bank/Zales along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where XXXX were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, XXXX, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and XXXX was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My cc is with bank of America however the issue seems to be with VISA. Every month I am getting a recurring charge for {$29.00} from a company that changes it name. Mostly it goes by : XXXX. Atleast 4 times BofA has declined the charge. They missed it once but I caught it and complained. In all those cases they have stopped my card and issued a new one with a new number. Each month this fraudulant company somehow gets the new number from Visa and makes a charge for {$29.00}. I am not the only one. There is a website people have been using to complain about it for over a year. I have contacted VISA and asked the to protect my information nothing is happening and it happened again today. Here is a link to that site : https : 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 2023-12-09
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Nordstrom 's credit card debt collector called before XXXX XXXX Received a call on XX/XX/2023 at XXXX XXXX and I was asleep after being up all night due to an illness and am XXXX. I have rarely missed a payment with Nordstrom 's but their representatives behind the debt collection are rude and aggressive which is unacceptable. The {$39.00} payment was made as it was an oversight on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Added fees that I wasn't informed about. And I can't even access my loan account to see my payments I've already made or owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS COLLECTION AGENCY ON BEHALF OF XXXX XXXX XXXX WITH REFERENCE ACCOUNT NUMBER XXXX AMOUNT ON ACCOUNT {$160.00} PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Spring Oaks Capital, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection company that placed XXXX items on my credit report for collections. I made a request on XX/XX/23 through XXXX XXXX with XXXX for verification as the debts are unknown. I do not see how it's possible for a legitimate verification of debt within XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my Experian credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor XXXX XXXX XXXX  Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.

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 2023-12-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card with care credit back in XX/XX/2023, to cover vet bills for my XXXX dogs. One of my dogs was/ is having serious health issues and I just didnt have the funds out of pocket so I opened the credit card. My balance is now XXXX. XX/XX/XXXX I made the first purchase at XXXX XXXX XXXX XXXX  for XXXX. XX/XX/XXXX I made a successful payment of XXXX to the account. XX/XX/XXXX I made a second purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. They have now cancelled my account because XXXX or maybe XXXX XXXX $ payments bounced. This is my first credit card account and I am XXXX XXXX XXXX. I am very upset that this happened because I have made multiple payments a month whenever I can and most of the time it is more than the minimum payment. And they have cancelled my entire account due to XXXX or XXXX bounced payments. It is ridiculous. Please help me reopen this account.

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 2023-12-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Good Morning. I have a large amount of student loans with Nelnet. As soon as the XXXX application was rolled out, I applied. Nelnet is unable to calculate my payments, so they have put me in an administrative forbearance. Right now the forbearance is set to end in XX/XX/2027!!!! I am currently accruing interest at about XXXX a month. I have reached out to them, and they state I will be responsible to pay back all this interest. I need help getting them to calculate and place me in the XXXX repayment plan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian out of the blue dropped my credit rating XXXX points over " routine maintenance " headings. They have no explanations for or calculations of available. This should be repaired.

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 2023-12-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Monthly I send in payments to Lowes/Synchrony on the 1st via bank bill pay. The payments are usually cashed within 3 to 4 business days. However the payments are applied 8 to 10 days after the payments have been cashed making the application to the account more than 2 weeks after payment was sent seemingly in hopes of making the payment late and then charging a {$30.00} late fee. Additionally upon request to have the late payment removed they require I send a hard copy of my complete bank statement via USPS or fax with no redactions on any portion of the statement. They will not accept the transaction number or a copy of the cashed/cancelled check showing they've received and cashed the payment.

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 2021-07-09
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I was contacted by postcard which is a violation of 15 usc 1692b ( 4 ), about a monthly payment. As I read the postcardThere was obscene and profane language which is a violation of 15 usc 1692d ( 2 ), also never stated that I want to do it which is a violation of 15 usc 1692e ( 11 ). I felt threatened by the post card which is a violation of 15 usc 1692d ( 1 ). There are multiple addresses on the postcard which is a violation of 15 usc 1692f ( 8 ). They do not use the name of the original debt collector which is a violation of 15 usc 1692e ( 14 ). And there is no law that states you have to pay a debt which is a violation of 15 usc 1692f ( 1 ). I have also sent over to them affidavit of truth notarized with exhibit all the violations and an invoice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 ( and many disputes before that ) I have submitted disputes on these XXXX XXXX XXXX accounts. XXXX of the accounts are not mine and the other XXXX are reporting inaccurate information ( all XXXX accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : 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 explanation