BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on Thursday XX/XX/2018 I received a text message on my cell phone from PayPal advising a transaction had occurred that was marked as suspicious as a transaction for family and friends in the amount of {$980.00}. I immediately replied NO, indicating I did not authorize this transaction. I then spent 50 minutes on hold with paypal 's call center that night and I never got to speak to a representative. I got into my paypal account, changed my password, unlinked my debit card that the money was taken from, and updated my security questions, as this was clearly fraud. I then see the total transaction was for {$1000.00} because paypal also charged me 2 {$28.00} fees. The next day, I was able to speak with someone. this was the most unprofessional, inarticulate, uneducated call center I have ever spoken with. please listen to these calls ive had with their call center. they assured me this would be taken care of and the funds would be returned to me. today XX/XX/2018, after several days missing over {$1000.00}, I get an email stating my refund request was denied. This is unacceptable. Paypal claims to be the safest way to transfer money and they have not only allowed my information to be compromised, they refuse to refund me the money. I request a full check send to me directly to cover the full amount STOLEN, and a full resolution to this issue. I also would like to know how my information was stolen, why it was denied, and why it has taken so long to get any type of answer. this is ridiculous and Paypal should face fines for their Unfair, Deceptive, abusive practices. They are a UDAP nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
well I think its fake mail ... i have severe mail fraud its obviosly a group of peoplein on everything. im sick of the XXXX people have hotten card loans.. bank accounts u name it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: DISCOVER BANK
State: NY
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:
Hello I am writing this regarding an old case " XXXX ''. Discover didn't solve my issue. They asked me provide additional information about the case. In the mean time i have talked one of the executive from discover. he said in the additional information its needed to show that i was not present at the home deport while those charges were made. When all those charges happened on my account i was working each and everyday. Down below i will attached my time sheet from my work. My time sheet shows i was working those moments. I don`t know what other way i can prove that i was not present there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: IL
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 and XXXX  Have both deleted this XXXXXXXX account from my profile. I have attached my credit report proving that the XXXX XXXX  account with account number # XXXX. I have previously disputed this account and Experian has still failed to delete the account under FCRA Section 609. I have attached that finger hut told Experian to remove the account and they still have the account reporting. This is a violation of the FCRA and I can receive monetary damages under 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 2021-11-29
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL 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 2020-05-14
Company: CITIBANK, N.A.
State: NY
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:
Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a Macys credit account. Macys on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 21 points. I worked with Macys to resolve the issue and had them correct it at their end ( I have a letter from Macys which confirms the correction ) .However the department within Macys which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. I also worked with XXXX  to rectify this error by providing them supporting documentation from Macys but as per XXXX  they have not received any updated information from macys to remove deliquency. I have been thrown in circles by both of these companies- XXXX   and macys credit reporting department. Macys, on each call has confirmed that from their end the account is current and has never been late however XXXX  is still reporting the account as 30 days past due in XX/XX/2020. 
XXXX on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which macys uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request XXXX  to remove 30 day delinquency attached to my macys credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks

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 2019-09-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
all 3 burean lowerd my credit score by iccorrectly reporting information that incorrect. Im icluding my drivers license, ssn and supporting documents. I believe because Im from another country. When I called the nade fun of my accient as if they didnt hear the words coming out my mouth

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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:
This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an auto payment set up through my bank with Capital One Cabela 's Club card for {$75.00} a month to cover my monthly credit card payment for a few years. In XX/XX/2019 I started traveling with my new job and didn't realize that my auto payments were not matching the minimum balance due. I received a call from Capital One on XX/XX/XXXX ( which was showing on my phone as spam ) and they left me a message to call them about my account. I did return the call on XX/XX/XXXX and was notified that my account had an outstanding balance of {$210.00} in which i immediately paid the balance due. My statement closing date was XX/XX/XXXX. One day after making the payment to bring my account current, my credit report and my wife 's credit report showed that Capital One reported the account 31 days past due on the XXXX of XXXX. When I called Capital One to discuss this issue, I first talked to a customer service rep, then I asked to talk to a supervisor in which i was not able to make any headway, then called back later and talked to another Supervisor to see about getting more information and make the same request i had previously. I was connected with a supervisor named XXXX, employee # XXXX. He said that Capital One reports to the credit bureau 3 days past the billing end date and that was why it was reported, even though I worked with Capital One to pay the arrears. My statement shows the payment date on the XXXX. He said that the payment was not made before XXXX XXXX eastern time and that was why it was reported. Towards the end of the call his tone changed towards me and made me feel like he was suggesting that I was trying to get out of paying my bills which I am clearly not. The reason this is so important to me is that we are in the process of closing on a house in Arizona and this drastically affects this closing now. I have been a good customer and have made payments on time up to this point of time where life changes have caused issues to get out of hand. I am including the Capital One statements from XXXX to the current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: VA
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 notice there was some fraudulent accounts on my credit report after applying for credit i contact Experian and after disputing the accounts i filed a FTC report and then sent to Experian, They removed the accounts and then 3 days later put accounts back on my report. So i called Experian and ask what was the problem they said creditors told them to put back on report i got in touch with the creditors and put them online with Experian and one of the creditor had told Experian that they haven't talking to them, so i call to talk to another agent with Experian and She said hold on I going to removed them again cause u filed a FTC Report and it shouldn't have been put back on your report. The next day back on which the agent said my supervisor had these accounts put back on because you don't have a real FTC Report and i said are u XXXX the reference number is right there in black in white unless the FTC company and online is fake.I am so tired of Experian really bad business and something have to be done about this company.

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 2018-02-05
Company: BB&T CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In the XXXX. of XX/XX/2018. I enrolled through my bank site using XXXX. I initiated a transaction in the amount of {$600.00} to my daughter for XXXX XXXX. I was immediately advised by email the transaction was under review. Frustrated, with contradictory marketing of the application ( which conveyed funds would be transmitted in real time ) and the fact it was a bank offering BB & T ( I knew funds were available and I had not been advised of anything being wrong with my account ). I contacted their customer service number and selected option 4 which pertained to XXXX and spoke with representative XXXX XXXX. I was advised my account was not in a fraud status but, the transaction was being reviewed for fraud. I conveyed I wanted to cancel the transaction and un-enroll from using XXXX. I conveyed I felt it was urgent my daughter receive the funds in that her appointment was Monday. I was placed on hold and upon his return to the line, told I could do neither. I then later, went to the bank when it opened. I was serviced by XXXX. Poor XXXX really did not understand XXXX as a bank offering, and after much dialogue, she called internally for support. She was told the transaction would not go through. I checked my phone and could see emails confirming. I physically removed the funds. I went to XXXX and used XXXX. I briefly spoke with the banks customer service representative XXXX, as I was leaving. She felt I would be able to cancel my relationship with XXXX. I tried her method and could not do so. I e-mailed her but, have yet to receive a response. Today I noticed after accessing every vehicle of protocol the bank offered. The bank has not canceled my relationship with XXXX ( an application which requires you to give access to all your contacts in your phone book ). And the bank actually took the money out of my account. I will go to the bank physically to have funds refunded. But, I wanted to advise the CFPB so they could insure the bank is providing the consumer with accurate/upfront information about 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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have reached out several times to XXXX financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. XXXX financial should contact Transunion and XXXX  to remove inquiry.

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 2019-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 XX/XX/2018 and XX/XX/2018 I sent PORTFOLIO RECOVERY ASSOCIATES, LLC letters pertaining to a Cease and Desist letter. I also stated in the letter, that I would only deal with the original creditor ( see letter dated XX/XX/18 ) THEY HAVE NOT BEEN IN COMPLIANCE To date, PORTFOLIO RECOVERY ASSOCIATES, LLC is still reporting COLLECTION ACTIVITY TO THE CREDIT BUREAUS. ( PLEASE SEE CREDIT REPORTS WHICH SHOWS COLLECTION ACTIVITY. ) They said they completed their investigation but, they have not deleted these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: NC
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 fraudulent accounts are still appearing on my Equifax credit profile : ( no name ) Account number XXXX {$92.00} ( no name ) Account number XXXX {$83.00} ( no name ) Account number XXXX {$58.00} ( no name ) Account number XXXX {$0.00} ( no name ) Account number XXXX {$0.00} I disputed these accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent accounts are still on my Equifax profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX at Chase Commercial Services has made repeated threatening and harassing phone calls and text messages to myself and my extended family members in addition XXXX XXXX has contacted other people to include my landlord with false, derogatory, slanderous, statements about me. XXXX XXXX uses false and misleading pretense to obtain personal information such as claiming to be verifying a resume or that person was used as a reference. XXXX XXXX at Chase Commercial Services has released that personal information online, in phone calls, and in text messages to include home address and personal contact information of myself in addition to that of my extended family and friends. I have no or have never had any business dealings with XXXX XXXX or Chase Commercial Services nor am I under any form of contractual obligations with XXXX XXXX or Chase Commercial Services. I have never spoken with or heard of XXXX XXXX or Chase Commercial Services until he contacted me demanding that I send him a check or he would make my life miserable. I have retained all threatening, derogatory, and slanderous voice mails and text messages and I 'm in the process of obtaining written statements from all parties that have been contacted and harassed by XXXX XXXX at Chase Commercial Services with false, derogatory, slanderous, statements. This makes XXXX XXXX and Chase Commercial Services slanderous actions even more egregious and I believe in the case unlawful and criminal.

Company response to consumer: Closed with explanation