BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I just tried to use my  Walmart cre dit card tonight   XXXX     and it was declined. I checked my account and found my credit limit was dropped from  XXXX  to  XXXX . I just recently paid my balance dow n to   XXXX  . It t ook about a week for this payment to post to my account. When it finally posted I made purchases totaling  XXXX . Now instead of having all this available credit which looks good on my credit report, my card is maxed out. I have had this card for about a year and a half and have never missed a payment. I called customer service and they said it was due to a recent credit inquiry that my limit was decreased. This is unfair and is not good on my credit which I have worked so hard to repair. I have 100 % on time payments on all credit lines on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My XXXX XXXX XXXX son ( XXXX XXXX ) was XXXX in action on XX/XX/23 while fighting with the XXXX XXXX in XXXX. My wife and I have maintained contact with several of my son 's fellow soldiers who are still in XXXX fighting on the front lines. 
One of the soldiers mentioned that they were doing a collection within the unit to purchase a badly needed drone since their unit was never issued one by the XXXX military. 
I asked how much the drone costs and was informed that a quality drone with thermal imaging runs about {$5500.00} ( USD ). I told the soldier that my wife and I would be happy to purchase the drone for them since they are so important and save lives on the battlefield. Needless to say, they were very appreciative. 
I sent {$5500.00} through Paypal, only to discover Paypal was holding the funds and not releasing them. The soldier ( an American ) refunded the money and so I decided to send a couple of smaller payments. The soldier receiving the funds managed to get the funds released except for {$1700.00} which Paypal put on hold. When the soldier contacted Paypal they informed him that the funds were being frozen for 180 days and that his Paypal account was permanently frozen and banned. When he asked why, the contact person refused to give him an answer. 
Paypal is notorious for pulling shady stunts like this with no explanation. I tried calling Paypal myself to see what I could do to get the funds released and was told there was nothing they could do since it was not my account that was frozen. 
I did file a dispute with my credit card company, but I doubt it will resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. ( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2017 Balance : {$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 2018-12-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the 30-day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On Friday, XX/XX/28 I reviewed by Bloomingdale 's account and noticed that my credit limit was decreased from XXXX to XXXX dollars based on the fact that I missed a XXXX interest fee after paying the account in full a few days previously. When I missed that payment they pulled my credit report and based on history that was the factor in decreasing my credit limit. I initially called and spoke to agent # XXXX I was informed that when I paid the past due amount with her she would transfer me to another department so they could reinstate my credit limit. I asked to be transferred prior to making the payment to ensure that this information was correct. I then was transferred to agent XXXX who then informed me that once I paid I could request a credit line increase. Why would I request a credit line increase, I was told it could be reinstated, by request only i was informed. Why would I, because you would be looking at the same credit report that you decreased my balance on. I finally requested the increase and of course was denied. After speaking with that agent I asked to be transferred to her supervisor only to be kept on hold for over XXXX XXXX when the call " suddenly '' dropped. I tried calling back from my cell phone and the call would drop before it even rang. I then used my landline to verify that the call would go through which it did. The fact that I was punished with over XXXX XXXX of my available credit being removed seems extreme at best. Yes, my credit history is not the best, but it is a history and my history with bloomingdales has been impeccable which is even what the agent expressed to me. I just want fairness and I want to be treated like a human being who doesn't constantly want to be punished for past mistakes.

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 2023-03-28
Company: EQUIFAX, INC.
State: LA
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MI
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My wife had applied for a  Chase Marriott Rewards Card in  late  XXXX    XXXX  , which identified an {$85.00} annual fee would be charged on each anniversary, however when we received the card and activated it on  XXXX   XXXX , there was already an {$85.00} fee posted to the account. My wife contacted  Chase imm ediately on  XXXX  at approximately  XXXX  EST and provided the Customer Servic e Agent per mission to speak with me, her husband. I spoke with  XXXX , from  Chase, at len gth regarding this issue.  XXXX  was not very helpful because she kept saying that I was claiming that the terms stated the first year annual fee was waived, however this is not what I was suggesting at all, so after  XXXX  stated that she could not waive the fee then I requested to speak with her Supervisor. I then spoke with a  Chase Supervisor and stated th at the terms state the annual fee is charged on the anniversary but does n ot state it will be charged at activation or will be charged for the first year. I asked the Supervisor if she could  point me to the verbiage in the Terms where it states the annual fee would be charged at activation or in the first year, and after being placed on hold for what seemed to be  XXXX  minutes or more, she came back on the line and read the Annual Fee verbiage, which does not state it is charged upon activation or in the first year. She basically claimed that the word " annual '' means that it would be charged immediately, even though it clearly states that it is charged on the anniversary.   I expect more from  Chase,  a s one of the l argest banks in the  XXXX , and ask the CFPB to please provide stricter guidelines for banks to communicate the specifics around annual fees.   Thank you in advance.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act : XXXX XXXX Serv Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy. 

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.

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 2023-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} GRAIN XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I spoke with a representative of Portfolio Recovery via telephone call and requested the original contract with my signature, the original creditor information, including names, address, and phone number of the original creditor, the payment history, with the itemized billing associated with the account, and proof of ownership of the debt that is owed. As of XX/XX/2023, I had not received this information, going past the allotted 30 days for this information to be turned over to me. I requested in writing on XX/XX/2023, for Portfolio Recovery to provide the above documentation. On XX/XX/2023 and XX/XX/2023, I received a letter in the mail from Portfolio Recovery with billing statements from the account, however it didn't include the payment history, the itemized billing associated with the account, or the original contract with my signature on it. According to the Fair Credit Reporting Act, section 609 A1A, Portfolio Recovery is required by law to verify through physical verification of the original signed contract, all accounts that you post on a credit report. I demand to see verified proof, and until the above documentation can not be provided to me, I do not believe validity has been established. I am asking Portfolio Recovery to provide the payment history, the itemized billing associated with the account, and the original contract with my signature on it. If they are unable to produce these documents, then the debt needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions 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:
In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.

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 2023-05-13
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXXXXXX I try to fix reporting on Equifax reporting on the payment history. And they stop reporting the fix Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I am writing to complain  American Express Credit Card.      Because  A  merican Expresss mistake and misoperation, I become a victim of internet fraud. At  XX/XX/XXXX , I made an online trade with the fraudster ( email owner of  XXXX  ). The fraudster made a {$20000.00} bill payment to my American Express credit card, and I did not deliver the products until the payment status change from pending to complete. Because it is a large amount of transaction, during the period ( from  XX/XX/XXXX   to XX/XX/XXXX  ), in order to verify the payment, I called and double checked with  American Express for 3 times. Every time, I got the same response that the transaction is cleared and complete, and American Express has already received all the money and paid to my account. After the fraudster received all the products, the fraudster totally disappeared and I can not get in tou ch with him anymore. So I realized that the transaction is a fraud, and at   XX/XX/XXXX , I ev en reques t American Express  to freeze my account and hold all the transactions. However,  American Express di d not hold the transaction and reversed the {$20000.00} payment back to fraudsters account at  XX/XX/XXXX . I have contacted them for getting the fraudster 's account number and bank information. However, they said they do n't know. I have attached the fraudster 's payment record and payment reverse record to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
O n   XXXX   XXXX  , 2017, I arr ived in  XXXX   XXXX  for an  XXXX  vacation. On the early morning o f   XXXX   XXXX  , 2017, a thief stole my Chase debit card and cell phone, and apparently immediately began making   fraudulent purchases and withdraws, including an ATM withdraw in the   XXXX   XXXX  , a purchase at a fast food chicken place, and several purchases at a grocery store on the   XXXX   XXXX  . I reported the theft to the local Chase branch on  XXXX   XXXX  in the   XXXX   XXXX   that same day ,   XXXX   XXXX  , 2017 (   XXXX  Thursday  2017 ).  The personal banker put in a claim, and my account was temporarily credited in the amount of approximately {$1400.00} by the next d ay,   XXXX   XXXX  , 2017.    The thief also took out a   {$1600.00}   payday   loan, and had the funds deposited into a long closed  XXXX   XXXX   XXXX   checking account, but that is unrelated to this complaint against Chase Bank. Several days later, Chase temporarily credited my account for an additional approximate {$200.00}. O n   XXXX   XXXX  , 2017,  I read a correspondence from Chase Bank dated that day via Chase 's claims website, stating that Chase investigated my claim, found the charges to be " correct, '' and that in  six days, they wou ld take {$1400.00} from my account. I immediately phoned Chase 's claims department, and agent  XXXX  reopened the claim, so the resolution of that is pending.  On   XXXX   XXXX  , 2017 at  approximately  XXXX , I logged into the Chase online banking website to check my account balance, and saw a pending " miscellaneous debit '' charge of {$200.00} had been removed from my account that day. I immediately phoned the number on the back of my debit card, whereupon agent  XXXX  told me tha t Chase had  taken the {$200.00} out of my account upon their unnoticed determination that a fraudulent {$200.00} charge was " correct '' and " legitimate according to our investigation. ''  XXXX  refused to reopen the claim for investigation. This is impossible, and I believe Chase Bank violated the  EFTA. Th e charges were all outright fraudulent, and I reported them the very same day they occurred. Please help!

Company response to consumer: Closed with monetary relief