BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I was sending money through PayPal on XXXX to a family member. I clicked on resend this transaction ; as I have sent money to this person in the past and verified that the phone # was there and changed the amount to {$95.00} the amount I was wanting to send. I send the funds and now when I go into the payment the recipient is now an email address. It is a fraudulent email address of the recipient XXXX. This is not the place I authorized the funds to go. I opened a case with PayPal and they closed it stating I authorized the transaction. Which is not true as the recipient has been changed. I tried closing my account with them as I don't want to use their service any longer and was getting an error message. When I contacted Customer Service they said they couldn't close the account due to the outstanding payment. Which cleared my account today. Since they haven't received payment I would say they recipient didn't get the money so why couldn't they stop the transaction and send it to the correct recipient. I'm attaching both the receipt for the previous payment and the current one from  XXXX. I also included a screen shot of the screen showing the correct account when I click on resend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My chime account was hacked on XX/XX/20 by an unknown person. They sent themselves {$100.00} from my account to theirs. I contacted chime as they are well known for this and they have given me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 chime put a hold my account with a balance of {$2600.00}. I sent them the documents needed to uplift the hold but on XX/XX/2020 they closed my account. I was receiving government money such as PUA in this account. Now Im being told my funds cant be refunded but theyre still sitting in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TCF repeatedly sent me promotions like this that said I was going to be given XXXX for opening an account. This happened to me once with a XXXX promotion and once with a XXXX promotion. Can you please beg them to give me the promotions that I am owed for XXXX with compensation for the discrimination linked to my Aunt and Mom's XXXX.
----- Forwarded Message -----
From: TCF New Accounts 
To: "XXXX" 
Sent: Sunday, XX/XX/XXXX, 2012, XXXX XXXX CDT
Subject: Don't miss out: Your $XXXX cash is waiting


		Open an Account 	
			
	
Don't miss out:
Your $XXXX cash is waiting

Hi XXXX,

We know how busy life can get but we hope you haven't forgotten us. Did you know that when you apply for a TCF account online your information is completely protected and it only takes eight short minutes to get approval?

Time is Running Out:
We'll put $XXXX cash in your account.

Come back today and we'll give you $XXXX cash when you open an eligible TCF checking account and make 15 qualifying transactions1. What's a qualifying transaction you ask? It's simple, really. See below for all the details.

Plus, opening your account online is not only faster than going to a branch, it's just as safe and secure. So rest easy and come back to see us today.



	
Sign up in 8 short minutes

    We keep your private information completely safe
    Hundreds of branches, open 7 days a week with extended hours

Open an Account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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:
There are 2 accounts from 2 different Toyota loans that have been paid in full payments were made on weekends and company systems did not reflect the weekend date which is unfair to me as a consumer when paying before the 30-60 day mark they have reported XX/XX/2016 on both my report and my husbands report late 60 days under this account XXXX XXXX and also are reporting 2 30 day late payments on the newer loan this is severely hindering us to refinance due to covid I am asking they please remove all late payments both loans are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
State: MO
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 following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX  {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}

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 explanation
Consumer complaint received 2018-07-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on Friday, XX/XX/2018 for {$2500.00}. This check was for services to be rendered on behalf of the person who drafted and tendered the check to me. On Monday, XX/XX/2018, I looked at my account and saw the transaction was no longer pending and that the full funds were available. In light of the check clearing, on Tuesday, XX/XX/2018, I performed the services for which the check was tendered. I relied on the clearing of this check in performing my services. On Wednesday XX/XX/2018, I saw that there was a pending transaction, reversing the {$2500.00} deposit as there were " insufficient funds ''. I contacted Santander Bank ( my bank ) and they said it was strange and that the funds clear within three days. I said yes, it showed clear. I contacted the person who tendered the check and they were extremely apologetic and said they " accidentally '' deposited the funds for the purposes of the check in their savings account instead of checking and that they would immediately deposit the funds directly into my account. That never happened. On Sunday XX/XX/2018, this person stated they no longer need my services and that the money would not be replaced. I contacted the bank again on Monday XX/XX/XXXX and they gave me every excuse available. My funds cleared by the latest that Monday. How could they reverse it on Wednesday. What if that was my escrow account? What if they wanted a refund and I tendered the money back to the person ... only to get the original transaction reversed. The bank send a bunch of things about courtesy in making the funds available but how can anyone transact business without knowing the funds may be reversed? I asked the bank to submit a fraud claim but I was told to contact the person 's bank, XXXX XXXX. XXXX XXXX said I need to contact Santander. No one wants to give me answers, take responsibility or help me. Either she had the funds in the account and withdrew them after I performed the service or never had the funds in the account at all.

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 2020-07-06
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX/Comenity Bank which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX/Comenity Bank when they sent my account to collections with XXXX ( XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with XXXX on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Was not notified of investigation status or results

Complaint:
How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for this.

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 2020-11-18
Company: BARCLAYS BANK DELAWARE
State: NV
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 was contacted by a company called XXXX XXXX XXXX XXXX of XXXX VA that they had purchased my credit card account from Barclays Card Services on XX/XX/XXXX ; while I was under Chapter XXXX Bankruptcy. 

Barclay Credit Card Services never bothered to notify me of their reported sale of my credit card account ( XXXX XXXX XXXX XXXX ). I have written three letters to Barclay Card Services asking for verification of their reported sale, To date, Barclay Card Services has not responded to my two previous letters ; dated XXXX and XXXX. 

I have now written a third letter to Barclays Credit Card Services, dated XXXX, Once again asking for verification of this sale, the date of the sale, the account balance at the time of the sale, and a payment and billing history for XXXX and 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 2018-07-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
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:
have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: Allied Collection Services, Inc. (Nevada)
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Allied Collections falsly reported a debt to my credit from a company called XXXX XXXX. I have never taken out a loan with this company. I have never heard of this company, and this report on my credit is malicious and fraudulent. It is not a mistake because just last month they falsly reported an invalid debt by XXXX XXXX online to my credit. Now they have removed the XXXX XXXX  debt and posted this debt to my credit. They have reported the XXXX XXXX debt on my credit twice. The same debt has been reported two times which is illegal. This is fraudulent! Please help, this company is harassing me and intentionally ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: MO
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 following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and Equifax data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXX  7 ) Dept of ED/ XXXX   {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX   {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX XXXX {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/20, I attempted to close my bank account and credit account with Chase bank. I was refused from closing my account and Im unable to pay my credit card bill because they have locked me out of all of my accounts and removed online access. 

I can not set an appointment to visit my local branch because of the corona virus. No person on the phone is helping be to solve this issue after all day on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following accounts are unauthorized and unknown to me, these accounts are a product of identity theft and XXXX data breach .I 've summoned the three ( 3 ) major credit reporting agencies to remove & block these unauthorized accounts. However, if these demands can not be met, I'll be forced to pursue other avenues. I've also asked for physical documentation of these accounts. Please remove the following. 

1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX 4 ) US Dept of Education {$7500.00} 5 ) US Dept of Education {$4300.00} 6 ) Dept of ED/XXXXXXXX 7 ) Dept of ED/ XXXX {$6000.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX  {$240.00} 10 ) XXXX XXXX {$1100.00} 11 ) XXXX XXXX   XXXX {$21000.00}

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 explanation
Consumer complaint received 2020-05-17
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Harrassing phone calls and fraudently filed a judgement even though they ( midland credit ) took money out of my checking account without authorization from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : XXXX  XXXX, 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 an account without my written instructions.

This account is fraudulent account, I did not open any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: OPEN MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a letter from Open Mortgage dated XX/XX/XXXX saying I was not approved for a reverse mortgage. however, I never applied for a loan! 

the loan number is XXXX, the address for them is XXXX XXXX XXXX XXXX, # XXXX, XXXX Tx XXXX by XXXX I tried calling but couldnt get through. I dont know these folks, but I want to make an official complaint. 

Thanks for your help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of fraud. The card was through XXXX, Citibank. Was turned over to debt collection called XXXX XXXX XXXX XXXX they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!

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