BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX who works with XXXX XXXX XXXX XXXX and I do not have money to burn. In order to pay off bills I decided to sell my XXXX XXXX desktop computer on XXXX for {$2200.00}. When a buyer purchased my computer I factory reset it, tested it to ensure it worked perfectly, and shipped it out to him. A week later he informs me via XXXX that he wants a refund as he is saying that it does not work. As I was sure it worked when I shipped it I asked for pictures of the error message as proof that it did not work. ( I have been scammed in a similar way on XXXX  in the past so I was being cautious. ) On XXXX 's resolution center it said that the refund was on hold pending additional documentation from the buyer. 

I recieved an email yesterday XX/XX/19 from XXXX stating that they issued him a full refund and that he did not have to return the PC to me. I called them and asked them how this was possible and they stated that they emailed me a week ago stating that I was to provide him with a return label and refund him the money. I informed them I was watching the resolution center messages and I thought that the issue was pending. After speaking with multiple supervisors I was told that the best they could do was to email the buyer and encourage that he send the computer back to me. I have also emailed him with no response from him, multiple times over the course of this issue. 

I spoke with multiple supervisors at XXXX last night and stated that that this was absolutely unacceptable and that there are ZERO seller protections and that I CAN NOT believe they would do something like this to a seller who has had a perfect rating and has been a seller on XXXX for years!! It would make sense to me that if someone wants a refund they send it to XXXX and hold onto it until the refund is issued and then send it back to the seller and charge them the shipping costs. That is NOT what happened here, they refunded him AND LET HIM KEEP THE {$2200.00} COMPUTER!!! Not only that they charged me the {$220.00} sellers fee on top of it so I'm out almost {$2500.00}. 

I am filing this complaint against PayPal as they are the ones who have pulled over {$2200.00} out of my bank account against my complaints to both them and XXXX about this being fraudulent and a scam. I need the Consumer Finance department to step in and help me advocate to have my funds returned to me as this policy is absolutely unacceptable and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/23 I went to the Gap ( XXXX XXXX location ) to return items and made a purchase. I tried to use my Banana Republic Master card and it was denied twice although there were available funds on the card. Due to the nature of the return the Gap Associate needed my driver 's licenses to process the return and I then had to enter my SSN to access my card. Once this was done my purchase was processed, but my receipt had a different credit card number associated with it ( see attached document ). I was advised to call the Barclays ; and I did on XX/XX/23, both the Barclays agent and manager that I spoke to were unable to confirm the credit card number on the receipt. On XX/XX/23 the Barclays manager contacted Gap agent who was also unable to confirm credit card number on the receipt. I am now very anxious that something fraudulent/suspicious has transpired. No one can advise why my receipt has an incorrect card number but somehow my correct credit card was charged. The Gap and Barclays associates I have spoken to thus far were unable to resolve this concern. Barclays ( Gap ) has since sent me a new card but that still does not put me at ease due to the fact that this unverified credit card number is associated with my SSN when I used it at the GAP location. I did not have any issues with the card prior to this incident on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX submitting this CFPB complaint requesting once again to the Credit reporting Agencies to remove the disputed Fraudulent accounts being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Here is the list of accounts that should be removed from my Credit File ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$430.00} U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$50000.00}. Also, the Credit Bureaus have failed to send me copies of proof of verification as a result of their investigation, and yet they still continued reporting the disputed accounts on my Credit File! This action of the Credit Bureaus have violated a consumer rights under the FCRA and therefor the accounts should be removed immediately.

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 2019-02-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX we received XXXX XXXX XXXX XXXX XXXX credit cards from Chase, which partners with XXXX on their credit cards. We never requested these cards, and if we had authorized them and used them, we would be charged for an XXXX XXXX membership we never signed up for or requested. In speaking to both Chase and XXXX, it was clear to us that this is happening to many other consumers, because both parties kept referring to internal websites instructing them to escalate our issue to a superior if anyone calls to complain, although they all steadfastly denied what they did to us. We have a Chase XXXX credit card that we have held for almost a decade. The cards are not set to expire until XXXX. Chase and XXXX both are conspiring to send these XXXX Rewards Cards to regular Chase XXXX credit card holders without their knowledge or consent, in hopes that we will authorize them and be stuck paying for an XXXX XXXX membership. We get better benefits with our Chase XXXX credit card than we would with the new Chase XXXX XXXX Rewards card, so they are trying to force us into the new rewards card, and into an XXXX XXXX membership we don't want and didn't sign up for. My spouse signed up for an XXXX XXXX trial several months ago, and then cancelled it. XXXX used this as an excuse to send us their new XXXX Rewards card, even though we do not have a XXXX membership, and did not request the new card. They are clearly hoping that many consumers who, like us, hold a Chase XXXX XXXX credit card, will assume this new XXXX Rewards card is just a new card for an existing credit card account. The account numbers on the new XXXX  Rewards cards we received are EXACTLY THE SAME as the account number of our current Chase XXXX XXXX card. If we had signed, authorized, and used these new cards we received today, we'd be on the hook for an XXXX XXXX membership fee and lower benefits and a higher interest rate than is the case for our current Chase XXXX XXXX. Clearly both companies are hoping people like us won't notice the difference and activate the cards. This is blatant account fraud on the part of both XXXX and Chase, and in dealing with both of them on the phone today, it's clear they are aware of what they are doing and colluding together. And now, we have to have new Chase XXXX XXXX cards issued, because Chase invalidated our current credit cards by sending us the new, unrequested XXXX XXXX Rewards cards. We know that thanks to XXXX XXXX and the Trump administration, this blatant account fraud on the part of XXXX and Chase will probably not be pursued, since they are determined to dismantle the CFPB, but this is our record of our attempt to report these two companies for the crimes against consumers that they are clearly conspiring trying to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNT LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULEN ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-01-11
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest. There is also a billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00}. I do not understand why my account is reflecting {$1800.00} due for XXXX besides XXXX payment {$570.00} that has not been submitted yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$640.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$190.00}

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 2023-08-31
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2022-11-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; 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 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
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I applied for and was approved for the Capital One XXXX XXXX card. The application was under a welcome bonus, which offered, among other things, a {$200.00} credit for vacation rental services including XXXX made during the first year of XXXX XXXX. 

On XX/XX/XXXX, I spent {$200.00} at XXXX on a vacation rental. 

It is now XX/XX/XXXX ( over XXXXwo statement cycles later ) and I have not received the promised {$200.00} credit. This is either a technology issue or fraud. Either way, it must be corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-12-28
Company: EQUIFAX, INC.
State: IN
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 and Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but XXXX and Equifax keeps verifying this accounts. Also, when I called the company they responded that XXXX or Equifax did not send them all of the verifying evidence to confirm each account is unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Global Lending Services LLC
State: CA
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:
The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX XXXX XXXX XXXX  to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX and XXXX. Below are the companies that accessed my credit report that need to be removed. 

XXXX : XXXX- XXXX : XXXX XXXX Global Lending Service XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a victim of the government shutdown and can not afford to make payments at this time. The company insists on a payment and continues to call. I need to defer payments for at least nine months.

Company response to consumer: Closed with explanation