BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal placed a permanetly limited on my paypal account with email linked XXXX on XX/XX/2023, and refused to lift the limition on my account so my funds got stuck in there for 180 days and refused to help me to refund the money back to the sender as well.The paypal available balance i have which it's XXXX XXXX who sent it to me and I asked to refund money back to her but paypal refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get repeated calls constantly. It was your usual Robo calling. We finally decide to call them back and request they not to call any longer. We ask why they keep calling and was told of someones debt. I told her no purchase had ever been made by us and to please remove our telephone number. She hung up the phone! I then called back and a different person answered. I was told she would remove my number ; and of course we keep receipts the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiry accounts are showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This violates the Fair Credit Reporting Act Section 1681b and is a serious breach of my privacy rights.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On several occasions, I have requested by phone and mail that my personal information be corrected on my credit report. I also sent them copies of my driver 's license and social security card, but they have still refused to do so.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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:
Improper use of credit report, unauthorized inquiries need to be removed off my credit profile as soon as possible

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 2023-10-31
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CREDIT COLLECTION SERVICE has violated Federal laws concerning the use of private information. CREDIT COLLECTION SERVICE is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting CREDIT COLLECTION SERVICE to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If CREDIT COLLECTION SERVICE isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify the alleged debt CREDIT COLLECTION SERVICE you are interfering with commerce and this is a Federal Crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Bank XXXX, or XXXX XXXX Bank, began charging extra interest fees without notice this month. They also began reporting false balances on my credit report in order to bring down my XXXX XXXX intentionally. My card and bills would be paid XXXX times per billing cycle. I overpaid so they could never say I was underpaid. So they began lying on my report and reporting that I was {$1.00} and times XXXX $ over my account balance when I was nowhere near the level they reported to the credit bureau. The credit flag, flagged the bank as fraudulent and they retaliated against me for filing a cfpb report on them for fraudulent activity and fees on my card. They suspended my account for no reason and then made me mail in my dispute for the {$3.00} fraud fees with a notarized receipt instead of doing it by phone or online. They kept saying you reported us to the cfpb like they were retaliating against me.

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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit 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:
XX/XX/2023 around XXXX pm my BOA VISA card was stolen at LIFE TIME XXXX in XXXX, NC about XXXX pm BOA call me about XXXX dispute at XXXX {$640.00} at that time I found other XXXX credit cards ( XXXX, XXXX ) and BOA debet card were stolen. 
all of cards were canceled and received new cards and resolved the froud disput issue. 

But BOA VISA card is still saying I used the card at XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Crimes # 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 monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
With a credit score of XXXX in XXXX, I bought a house in XXXX, Tennessee. I got my mortgage at Wells Fargo. in XXXX I had financial difficulties with losing my job. I had been trying to get a loan modification with Wells Fargo. they told me the process was longer than usual and to call back " next week '' I would call every Monday and I was told the same thing repeatedly. Call back 'next week '' I was told that it's in the process. After so much time went by, then I got a foreclosure notice! I lost the house I was trying desperately to save. I was put off so much that bank foreclosed on it.

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX of XXXX I first filed a complaint about a Chase credit card opened fraudulently using my social and name. I Filed another complaint XXXX about the same credit account still being charged to my name. I also learned there were XXXX fraudulent Chase bank accounts opened in my name and XXXX was used to make payments on the credit account. Chase replied I was responsible because of those payments from bank acct XXXX to credit acct XXXX. I have repeatedly sent the sheriff case # on this identity theft to Chase, plus D>L>, utility bill and XXXX card bill to prove my address was not XXXX. XX/XX/XXXX & XXXX Chase dated letters stating they confirmed that I did not open accounts ending in XXXX and would notify EWS to update negative credit reporting. Upon calling Chase credit fraud dept to ascertain that having the bank accounts confirmed as not me fraud would also confirm the credit account XXXX was not me fraud. I was told a payment was made in XXXX from an account in my name at Bank XXXX XXXX. I travelled the XXXX min XXXX way journey to a XXXX  XXXX XXXX nearest me and upon their searching for any accounts using my social they found none. Today I received a letter from Chase XXXX XXXX XXXX stating because i made payments from XXXX to credit account XXXX I am responsible. It is obvious that Chase can not handle their own investigation. I request a full intervention by this bureau.. I have wasted time, energy, gasoline and spent all my patience. They keep going in circles and continue to give me false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE CALLED ON THIS SUPPOSEDLY OWED DEBT I NEVER RECEIVED THE LOAN OR DID I GET A LETTER. I WAS GETTING THREATENING CALLS FOR THE DEBT AND WHEN I WOULD QUESTION PER MY RIGHTS I WOULD GET YELLED AT OR HUNG UP ON SEVERAL TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called repeatedly and I have on recording me asking them to stop calling, mail everything and put me on their do not call list. They still call. The last woman I spoke to said " you're going to keep receiving calls '' after I blatantly asked her to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit 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:
Upon receipt of a Bank of America email ( a copy uploaded ) advising that a bill was due on XX/XX/2023 in the amount of {$940.00}, I immediately contacted Bank of America disputing the charges since 1 ) I do not live near the area where the charges were made and have never been to either establishment ; 2 ) the card has not been used for several years, which Bank of America confirmed and 3 ) the card has not left my possession and are kept in a file box in a desk drawer in my home office. 
As a result of that conversation, the card with the fraud was blocked and new cards were issued. 
Following is a copy of an email received confirming my dispute and providing a claim number : Bank of America Activity Alert You Have a New Message about Your Claim XXXX XXXX, We're letting you know that you have a new message about your claim in your Online Banking mailbox. 
Please go to the Message Center in Online Banking to read your message. 
Here are the details of your claim : Claim date : XX/XX/2023 Claim number : XXXX If you haven't done so already, you can go paperless now. It's a safe and secure way to help stay organized. 
We're here to help. If you have questions, contact us online or call the number on the back of your credit or debit card. 

XX/XX/2023 date of letter from Bank of America temporarily crediting my account for {$940.00} while the claim was being disputed. ( copy of letter uploaded ). 

XX/XX/2023 emailed received ( copy uploaded ) advising a payment of {$420.00} was due with a statement that is was being disputed as fraud. 

XX/XX/2023 I received a letter that the claim was rejected since no error was found. ( letter uploaded ). I called Bank of America again on XX/XX/2023, the case was reopened. I again stated the reasons ( aforementioned # 1-3 ) and requested a copy of the card and signature of the purchaser. Neither have been received to date. 
Bank of America advised that I continue to pay the minimum due or my credit score ( in the XXXX XXXX ) would be adversely affected. I also asked that Bank of America check my payment credit and payment history on all my accounts. 

At this time, I am being held liable for {$430.00} which I did not charge and have not used the credit card in question for several years.

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 2019-07-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to purchased XXXX XXXX. My husband communicated with salesman and sale manager XXXX before we head down there but once we got there, they told us they dont have the car. We drove 75 miles on their word they have the car on the lot! Salesman, XXXX, was very nice and helpful so we thought we will give it a chance even though they dont have the car. They promised the car by Monday XXXX the lastest but that never happened. They also overcharged us by {$1000.00} but we caught it after we got home. I reached out to XXXX but didnt hear back from him with straight answer and not within a timely manner. We wait until last Friday and the dealership still not reach out to us. We got tired of waiting for them so we went to another dealership and found out that XXXX XXXX already submitted our paperwork to Kia Motors Finance to fund a car that they never even provided! They never provided us a car but already take fund under our name. We were told when we signed paper work with them that this is not final and will not submit until they have the car. We reached out to Kia finance and they were not helpful. They said to contact XXXX  XXXX directly. This is extremely disappointing. How could north Kia get the fund for the car that they havent provided us. We would really need help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX and I'm trying to fix some inaccuracies on my credit reports, for the last few years I haven't been looking at it but I have recently noticed things on there that are not mine. I XXXX  how to fix this and I created a report with identitytheft.gov and have my my ids and the report it created in this mail please look at it and fix what isn't mine.

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 2023-11-01
Company: JPMORGAN CHASE & CO.
State: FL
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:
Someone tried to open a Chase Freedom Credit card using my Information on XX/XX/2023. This also happened in XXXX as well. The card was declined. I received a notice that my credit was pulled from experian and chase the next day. I called both Chase and XXXX to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent an letter to XXXX XXXX XXXX Home Loans ( account # XXXX XXXX. I advised XXXX XXXX XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XXXX XXXX XXXXXXXX Home Loans sold the loan to another company and should be reported 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I accepted XXXX balance transfer offers online for XXXX credit cards for companies owned by XXXX Bank, including XXXX Bank itself. Both offers were accepted for a transfer of {$15000.00}, per card. XXXX was with XXXX Bank directly for my acct ending in XXXX. The other was with XXXX XXXX XXXX ( XXXX XXXX ) who is XXXX by XXXX Bank. That credit card acct ending in XXXX. Both these balance transfer offers were available to me and within my credit limits. Their own written offer terms state the following : " Time frame : It XXXX take up to XXXX weeks to process your balance transfer. '' As of, today, XX/XX/XXXX, these transfers have still not posted to the account stipulated. I have called both XXXX Bank and XXXX ( XXXX ) on more than XXXX occasion since XX/XX/XXXX about this matter. The terms of the offer in XX/XX/XXXX was a 3.99 % transfer fee for 0 % interest through XX/XX/XXXX billing cycle. Which to me was/is 13 months from XX/XX/XXXX. They have since told me on the phone, " we're working on it, " we had a problem with balance transfers in XXXX, '' " we're sending the checks tomorrow, '' XXXX won't get 13 months you'll only get thru XX/XX/XXXX billing cycle. '' After all of this, the checks still haven't come and I am paying 9.75 % APR ( {$8.00} per day ) waiting on them. {$15000.00} from XXXX Bank. {$15000.00} from XXXX. {$30000.00} total. In the meantime, they have reduced my credit availability on these cards ( credit limits of {$20000.00} on each card ) to {$5000.00} available, per card. The {$15000.00}, per card, that they haven't paid is also being charged against my credit limits. This is all unacceptable.

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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

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 2023-11-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Due to identity fraud, {$1000.00} was taking in my name, I paid this off and the account was closed but they wont take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of this year, I had deposited over XXXX into that account. Unfortunately, someone had stolen my debit card and spent XXXX before I realized that it was gone. The reason that I didn't know that it was gone was because I was using my phone for transactions. The bank did phone me to discuss certain transactions through their automated system, but each time it was my transactions that they were questioning. Once I realized the issue, I called the bank, closed that card down and filed a police report. It was very obvious to the police that this was a situation of fraud and they opened an investigation. In the meantime, the bank did their own investigation and determined that it was not fraud because someone had been using my pin code. When I spoke to the police department, they stated that there were several ways that someone could have gotten the pin and that that should NOT have been the determining factor in their decision, although they are claiming that that was the determining factor. I did not allow anyone to use my card. The card was used in cities more than an hour away from me and I was clearly not in two places at one time. I just want my money back.

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