BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX I logged into PayPal and discovered an unauthorized pending transfer from my linked bank account to the PayPal Cash account. Someone had also changed the default language so I couldn't easily navigate the problems, and they changed the default telephone number. 

I attempted to delete my credit cards and bank account from their system, but once I had reported the fraud I was unable to make any changes. 

There is currently no live phone support, even for *in progress fraud* at PayPal. While I discovered this pending {$1000.00} theft attempt, I tried unsuccessfully to reach anyone at PayPal who could help. As a result, {$1000.00} was stolen from my bank account that day. The chat support was completely ineffective ; I spent *five hours* on Saturday trying to explain the problem to multiple chat reps, but each response took between 15 minutes to two hours to get someone to respond, and each person who responded was unaware of the issues described in the ongoing thread so I had to re-explain and ask the same questions to each person, all without a resolution. 

While the fraudulent transfer was still pending I put a stop payment for PayPal transactions with my bank, but the thieves changed their name so the transfer wasn't recognized and stopped by my bank. This could have been avoided if someone at PayPal could have helped me on Saturday. 

I can not delete my PayPal account because there is an active fraud investigation now, so my account is vulnerable and there is no one out there to help. 

Yesterday I received an automated message from PayPal that the money was refunded to my account, but it didn't solve my problem trying to delete my credit cards and the fraudulent phone number. Because I had put a stop payment request at my bank I needed to contact PayPal again to work out an alternative to the refund transfer, because my bank won't accept it. The money is still not returned to me. Today I spent 3 1/2 hours on chat support again, with the same outcome ; no resolution. Conflicting answers about what will happen to the money when the refund goes through, no answers to the problem deleting my credit cards or the fraudulent telephone number from their system. 

***Their lack of technical support constitutes complicity in this fraud because it was avoidable if they had just answered their phone. 

Their outgoing phone messages all refer to COVID as a reason for their inability to help, but they are a multibillion dollar company- after seven months of pandemic I believe they could have figured out by now how to forward calls to an employee working from home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Capital One and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my Capital One app and the day I made the {$81.00} for XXXX that is what it stated. My monthly payment practice has been what is on my Capital One app and has been for as long as I have had the card. 

The Cap One rep explained to me to contact the credit report agencies and make a dispute through them. I did this and Capital One denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
XXXX  XXXX XXXX allowed multiple fraudulent deposits into my account. We were the victims of this fraud. XXXX  XXXX XXXX closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money

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 2017-08-05
Company: EQUIFAX, INC.
State: MD
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:
I have continuously disputed two items from my credit report that does not belong. The first company is listed as : XXXX XXXX XXXX, and is reporting a judgement in the amount of {$2400.00}. There " judgement has the incorrect address, social security number and date of birth. As of XX/XX/XXXX the new policy throughout all agencies is to remove this debt. Since then they have not. I have been disputing this information for over a year. I have provided information showing this was not me and asked to remove it. They continuously report and has dropped my score drastically. The second item is a company listed as : XXXX XXXX XXXX in the amount of XXXX, again this item was disputed and taken off in the past but continues to pop back up every couple of years with a third party collection agency. I have asked the company to investigate and provide proof of debt. I have yet to receive that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.

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 2020-11-17
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX/XXXX/20, Fortiva emailed me my account has been closed effective XXXX/XXXX/20. I paid off my credit card and requested to close it. On XXXX/XXXX/20, Fortiva emailed me to notify that there was a new purchased activity has been applied to my account. I spoke to Fortiva Credit Card customer service representative and I was advised to submit Fortiva Fraud Affidavit. It was proved that transactions made was fraud. Fortiva never reported to 3 Credit Bureaus that my account has been closed. On XXXX/XXXX/20, Fortiva emailed me RE : XX/XX/XXXX2020 electronic statement is available. When I logged in to XXXX XXXX, I still have access using my username & password. This time the account was opened under my name with different account number. I never authorized Fortiva to open a new credit card account. It says my card has not been activated but I have a current balance of {$25.00} and is due on XXXX/XXXX/20. As I have mentioned earlier, my account has been closed since XXXX/XXXX/20. Fortiva should have been reported to 3  Credit Bureaus my account has been paid off & closed as I requested it. I never authorized Fortiva to open a new account. Fortiva continues to report to credit bureaus my account is open & will have this {$25.00} as delinquent if I did not pay by XXXX/XXXX/20.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal Banned my account, i comply their legal agreements. But they shutdown my account without telling or clarify what I've done wrong. I don't have any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: The Bureaus, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for The Bureaus Inc. As relevant proof I disputed these The Bureaus Inc accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous The Bureaus Inc accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Sent portfolio recovery a letter on XXXX XXXX,2017 requesting that they validate The debt of {$420.00} they say I owe them. I never had an account with profolio recovery and the social security number portfolio recovery had on the account was n't mines and I want them to remove the collections off all XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX  XXXX Account Number # XXXX Balance {$350.00}

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 2021-01-22
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: Problem with personal statement of dispute

Complaint:
Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my Equifax and XXXX  with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against 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 2017-09-20
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:
On XX/XX/XXXX I sent EXPERIAN a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The response I got from Experian was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, otherwise these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!

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 2018-07-12
Company: Experian Information Solutions 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:
I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and Experian & XXXX   came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX  corrected the information but Experian and XXXX will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our  Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT 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 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 transferred XXXX $ from my checking account to my charge card through the Bank of America app.on XX/XX/19 I received a text and email on XX/XX/19 from bofa stating that my payment had posted. On XX/XX/19 I received notice that my payment had been returned. I have already filed a complaint against them for closing my checking account and they returned the payment into that closed account and I have no access to the money and now they are reporting my payment as late. I transferred cash, payment was accepted and credited, bofa is ruining my credit and discriminating against me. All this is WRONG!!!

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 monetary relief
Consumer complaint received 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
This involves a prior issue, complaint # XXXX. This item was inexplicably closed, with no resolution and no answers from the company. I was NOT asking for my account to be reopened, just a reasonable explanation of WHY it was closed in the first place. NO ONE has to date answered that question, only saying " it can't be reopened ''. I don't want it reopened. Just tell us WHY it was closed. Who? When? Why? Answers are owed on this matter, as it seems Capital One made a significant mistake and won't acknowledge it, or explain how this is being reported to credit bureaus. I need to know HOW this closing is impacting my credit score. Capital One has already demonstrated a poor record of customer privacy protection. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing emailed me claiming I owe {$330.00} from a company I do not recall having an account with and then immediately wanted me to pay a much smaller lump sum. Trying to contact C.O. they wanted all of my private info ( SSN etc ) before even speaking about my account. I had a weird feeling about being emailed about this collections account and that it doesnt show on my credit report. After doing some research learned similar situations were found to be scams. Wanted to file a 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 explanation
Consumer complaint received 2017-08-04
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: Old information reappears or never goes away

Complaint:
Please see attached copies of the - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of XX/XX/XXXX. Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX. I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Fraud has been committed by XXXX XXXX XXXX account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.

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 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation