BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
No disclosure of vital information : I signed up for a cryptocurrency trading account at the XXXX XXXX ( Payward Ventures Inc ). Certain information was not disclosed during that process that should have been. Had it been I would not have signed up. 

Specifically that XXXX XXXX XXXX are put on hold for 3 days before you can access those funds. And that additional verification may be required before trading can proceed. 

My funds were placed on hold. It took XXXX XXXX 4 days to respond to my emails and once they did I was told the funds could still not be released until I provided additional photo of my self. This should all have been disclosed up front during the onboarding process not after I had funded this account. 

Because of this I lost the opportunity to trade for the asset I wanted as the price increased. 

I requested that my funds be returned to me and received no response from the company that they would do so. My {$5000.00} deposit is still under their control. There is no direct Customer Service only email. I can only hope that they return my money. 

The support is terrible. Not the way to conduct business when money is involved. Three to four days to respond to a support inquiry would I think be considered a violation in the banking industry. Since these exchanges deal in XXXX currency standards which Banks must adhere to should be required for these exchanges also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Wrote XXXX & TransUnion Multiple Times Due To Unauthorized Inquiries On My Report. Both Credit Reporting Agency Failed To Investigate

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 2018-04-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX one of my clients paid an invoice that I sent to him via PayPal. PayPal elected to place a hold on my funds, which could extend up to 21 days, in lieu of receiving verification that the customer received their product. I called to explained that I am not an online seller. I provide services directly to the customer and use PayPal only to ensure that my clients receive a itemized invoice of their purchase.

The representative explained that " certain '' accounts are subject to such holds. However, based on their published information, I did not meet this criteria ; which submitted to her. Well this particular account, which is 1 of 3 and designed to be my personal account, was opened earlier this year. Thus, it is considered " New ''. I explained that I have been an account holder for well over a decade, maybe even two. This is when the rep. agreed to reduce the hold to just 10 days. 
On the XX/XX/XXXX my funds were made available in my PayPal account. I promptly initiated a transfer to my bank account, because I knew that it would take 1 business day. Here we are on XX/XX/XXXX and my funds are not only not in my bank account, but they are still showing PENDING in my PayPal acct. I called AGAIN and was given a song and dance that amounted to PayPal arbitrarily holding onto funds to stall their release, even though they are collecting a fee for this service. Now my funds are expected to post in my account no later than XX/XX/XXXX. It will have taken two full weeks for me to receive payment for services that have already been completed and delivered to my client. 
Though I have been a PayPal account holder for a long time, these arbitrary money stalling techniques that they have resorted to using to skim additional money off of transactions that they are already charging a fee for is so disruptive to one 's business that I am contemplating closing all three of my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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:
There are inquiries on my report I do not recognize

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 2020-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had some fraudulent charges on my Citi Bank Credit Card account from last year. In XX/XX/2020 I spoke to Citi bank to dispute the charges and asked for them to be removed and the account to be closed. 
The citi bank rep asked me to make a payment of {$300.00} - which were legitimate charges, which I did, this left a balance of {$140.00} which the agent said would be removed and the account would be closed as i'd requested. On the online account it states 'this account is closed ' To me this meant I would have a zero balance. I have not used the card since. 
Yet, each month I have received a statement from Citi with accrued interest now totaling $ 250+ and the collections department has been called in to collect on my bad debt with Citi . 
I have called Citi Bank on at least 5 occasions over the past couple of months and have been passed from one department to another being told that they would resolve the matter. 
Today I was on the phone for an hour and a half with Citi and was passed to 5 different departments - some twice, and still the matter is not resolved. 
If an account is closed why is interest being accrued? 
I have also written a letter to mail to every citi bank address I can find to try to resolve this issue - there is no email address and all phone customer service seems to be non XXXX Based. 
This is not fair to me, this will also put a negative mark on my unblemished credit report. 
All I want is for this to be resolved as I was told it was in XXXX - now 5 months later, it still isn't and I am paying for it financially with interest accruing each month. 
I want the public to be aware of how dishonest Citi Bank is to deal with.

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 2023-05-11
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CPC - They have been sending me sketchy text and emails trying to get me to open links no information with it. I did not feel comfortable with that. I asked him to please mail me a statement they have not. I also never consented to them texting or emailing me. 
I have no idea who they are or what theyre collecting for. 

Then they started calling me, I would answer and no one would say anything then they would hang up. 

I got a call on XX/XX/XXXX XXXX they finally had someone speak back to me, they wanted personal information in order to speak to me. I refused I asked they send me a statement regarding what it is that theyre collecting on. She said that they did however, I have not received anything. I asked him to resend it to me. She said that they do not resend statements. She was very rude and persistent on having me share personal information it would not tell me what she was collecting on. 

XXXX is the email they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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:
Transunion/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only 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 explanation
Consumer complaint received 2023-07-09
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This FRAUDULENT account has caused me, a XXXX XXXX XXXX XXXX, to LOSE OUR HOME due to not being able to be approved for our lease renewal. I have tried to contact the company and dispute multiple times and have received no response. They have also ILLEGALLY THREATENED LEGAL ACTION for a FRAUDULENT DEBT. If the account is not removed from my credit report immediately I WILL FILE A LAWSUIT for a MINIMUM of {$30000.00} in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Motolease, LLC
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: Account status incorrect

Complaint:
This bike was totalled and balance still showing in full. This case was handled by an attorney as my husband was involved in a XXXX. The company has failed to have this addressed. Our attorney XXXX XXXX XXXX have also tried to resolve. This was involved with gap coverage and was paid off. I have been denied employment and credit due to this. I have spoken to legal department and all. This account was not treated properly or handled professionally at anytime and covid caused it to be very difficult to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
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  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2019-03-05
Company: EQUIFAX, INC.
State: NJ
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:
There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX**** This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Old information reappears or never goes away

Complaint:
Equifax is reporting a consumer statement on my credit file that I did not authorize them to put on my credit file for creditors and lenders to see it is affecting my ability to get credit and hurting my credit personally they refuse to remove the unknown inquiries and refuse to remove the consumer statement that they have on my file I wrote a complaint about equifax and they used that complaint and put on my credit file as a consumer statement for others to see and I did not AUTHORIZE THAT. They are violating my fcra rights and my consumer rights as a consumer I want that statement taken down ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
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:
Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX XXXX account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I filed a dispute with Experian # XXXX about a lease with XXXX XXXX which I openedXXXX, the lease was completed and turned back in on XX/XX/XXXX and I purchased another vehicle from the same dealership. My credit report shows that the lease was not closed until XX/XX/XXXX and I was making payments which is inaccurate. They also report that the lease was repossessed XX/XX/XXXX ; which is also inaccurate ; since the lease was completed in XXXX and will remain on my credit report until XXXX. This is long past the seven year allowance for a dept to remain on my credit report. I would like this account deleted because it is in violation of my fair credit reporting. Please assist me this concern and or tell me what steps I should take to have this negative reporting removed from my credit file.

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 2021-02-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
money market account at bmo they took money in so easily ( XXXX deposit ) but refused on numerous instances to return it other than me scheduling XXXX auto transfers back to my bank every week ( 4x per month tops ). it has taken me a while to get funds out. on top of that, they do not answer calls. when they do, they diconnect after an hour+ on the phone. they suspend accounts and disallow logins for no reason ( very frequent ). 

as a bank executive myself, i have never seen a bank with this much disregard and neglect for its processes and customers. i have made XXXX in total interest, and that is so immaterial for me in the grand scheme of things. what i would like to see is this bank held responsible for its actions. 

i have spent over 12 hours on BMO on trivial issues - deliberately caused by their own failures. most recently my account was suspended from me logging in, all while they continued to charge {$36.00} NSF fees because they would not allow me to stop my auto transfer cadence. 

a rep finally told me over the phone that he would stop the transfers and restore my access. that did not happen and the fees continued to mount. 

overall, this bank is non responsive, neglectful/complete disregard for consumers and their scarce time ( defeats the purpose of online banking and self service ) still in disbelief - i would like to see fast resolve. i am available for a phone call - happy to walk anyone through this agonizing process

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 2023-02-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I've called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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 explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a charged off account with XXXX XXXX XXXX reporting on my Experian credit report. The date of first delinquency shows XXXX of 2012. I am fully aware that there is a minimum of 7 years from the date of first delinquency before a negative item can be removed from a credit report. I also know that there is a thing called " early exclusion. '' I have successfully had this item removed from XXXX, and XXXX   for early exclusion. When I try and call Experian to do the same, they always tell me no and that they have never heard of early exclusion and that I would have to wait till XXXX. I would also like to note that this debt was forgiven with the Original credit granter. I am in the process of buying a home and need this item removed from my report. I am well within my rights as a consumer to have this item removed per my request, but Experian refuses to cooperate with me. Therefore I am filing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: V and H Portfolio
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
VANCE & HUFFMAN LLC Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX KS XXXX Amount XXXX I DO NOT consent to, benefit from or authorize any of the following inquiries

Company response to consumer: Closed with explanation