BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Paypal Holdings, Inc
State: FL
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/2020 paypal froze money in my account of XXXX and are withholding 10 % of purchases made via paypal on my business moving forward. When i contacted them to find out why they said the industry I am in ( selling toys ) is a high risk industry and therefore want to hold funds and not give it to me. I asked the reps to look at my account and tell me if I am a high risk business and they confirmed that I am not and my business does not show being at risk with past 2 years history. I let them know I need the XXXX to use for purchases from manufacturers to supply the customers with product and they did not care. Our business is mainly pre order so with the funds not released we will not be able to purchase the product and therefore paypal is causing our business to fail and become fraudulent in this manner. I spoke to the resolution team and provided them with my business license and information along with 100s of pages of invoice and even letters from the companies showing I am an official retailer. They let me know they still did not care and will continue to withhold my customers money from me. I told them I wanted to speak with someone else regarding this and they said they will not do so and any emails and phone calls going forward will be ignored to try and get my money. They are keeping it in an interest bearing account so they can make money off what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good Afternoon and how r u Cfpb & Westlake Financial Managers! I'm not sure exactly who to take this to, but it's been more than 6-7 months that i been trying to resolve this matter and everyone has failed to look into this and investigate it. I haven't received anything that proves the method of an investigation but yet there is a wrong balance on this account and finally today I got hold of someone that help me get to the bottom of it. As you can see the attachment, i talked to XXXX today and settled the account and he said that within the next few weeks, they will remove this tradeline from my 3 credit reporting agencies ; XXXX  and XXXX  and XXXX. I'm not liable for this account, but yet it continues to report incomplete, inaccurate, erroneous information on my credit. It's basically unverifiable and this can not be reported as such, It's my understanding that under the consumer laws that account needs to be reported as accurately as possible, and verifiable. This is not accurate!!! There are different dates of last open, questionable balance, high balance than actual balance, 1st dates of delinquency is incorrect and different dates of last active and payment, etc.

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 2023-08-31
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase offered a {$2000.00} bonus payment for maintaining a {$250000.00} balance in a new account for 40 days. We followed the directions and met with a chase representative, who led us through the process and said that we met the terms and conditions. We have maintained this balance since XXXX yet Chase is refusing to honor the bonus payment. 

The Chase representative, XXXX, is now saying that she made a mistake and the account we opened should have been in a different category. She is the one who advised us on the account we should open, gave us the code to use, and maintained that our account met the terms. If Chase is not honoring this payment now this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02
Company: Financial Data Systems
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting in XXXX of 2021 I noticed a collection XXXX you on my credit report. I have disputed this 4 different times and they will not take this off. They took the {$87.00} dollar one off. So why take that one off if you think I really owe whoever this is but want take the {$1900.00} dollar one off. Ive never heard of this company and do not owe whoever this is. My other accounts thats medical are getting paid biweekly because I knew about the bill. I havent gotten any mail for me to acknowledge them. I again do not know this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Bread Financial Holdings, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX i have purchased my house furniture from XXXX in XXXX XXXX at that time salesman soled all the furniture to me and have me approved with their XXXX credit card my community bank and told me you just simply make payments on this and afterwards when you done with payments you will have this credit card for future use for future purchases as that i was doing so and now in last XX/XX/XXXX i see {$4000.00} interest charged on it and when i go in the showroom to see whats going on then that salesman no longer works their and they told me that was a plan that i have to pay whole amount in 4 years or they charge me interest for whole period this thing that i was not aware of and the salesman didnt mention that when i was buying and now i when i had {$2000.00} left they putt {$4000.00} more as interest and i have no where to go

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested and received copies of my credit report from XXXX, Experian and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX  accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX  accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX  accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, Experian and XXXX  did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, XXXX  and Experian. I have attached copies of the actual disputes that I sent to Experian. Attachments include account names, account numbers and violations.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report I noticed several fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX moved my loan to PHH and the modification which was approved was taken away. Also the amount of the modification is unreasonable. 
There is no one to speak at this company and it is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Regarding : - My Private, Federal, Department of Education Student Loans Concern : 1. Origination Process a. XXXX XXXX should be held accountable for lack of ethics, underwriting, deceptive marketing practices, price gouging, and absence of clarity to uneducated borrowers by not explaining truth in lending. XXXX XXXX knowingly failed to recognize my financial understanding, vulnerabilities and financial position during the origination process. 
b. Both XXXX XXXX College and Sallie Mae should be held accountable for originating loans designed to fail 2. Repayment Servicing a. Sallie Mae Bank and Navient Solutions , Inc. should be held accountable for course-plotting me into five of the six forbearances when IBR should have been made available, for omitting pertinent information that would allow me to make informed financial decisions on multiple occasions, for false claims stating theyre willing to act in the best interests of the borrower if the borrower calls in for assistance, for misallocating and misapplying payments, for numerous errors on their website, for misinformation given by customer service representatives, for being placed on hold for an hour and a half, for lack of clarity and transparency and for a substantial monetary injury to both myself and my husband.

Please see my 13 page complaint letter and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-03-12
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you

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 2023-07-12
Company: Experian Information Solutions Inc.
State: MO
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 the below mentioned has violated my rights. 

1

5 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. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX

Company 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 2023-04-19
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is regarding Venmo, I was selling furniture on social media and a buyer transferred money through a business account to a personal account. it froze the funds in the middle and Venmo advised me they could not release the funds until i paid XXXX in monetary fees and i would get my money refunded and the buyers back to her. I did that and now they are advising me that i have to spend XXXX dollars on a razor card and open a business account to release my funds and the buyers again. I have 2 nights of sleep over this and Venmo advised the buyer its my fault i wont follow direction and open this new account and i don't want the account, i don't own a business and i fell like I'm being pushed into something i don't want to have. This is unlawful and risky and I continue to ask the company to refund the money and they refuse to until i buy this card and open a new account they email and harasser me constantly telling me they are reporting me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
Synchrony Bank XXXX XXXX XXXX is reporting an account on my credit report that they are not able to verify. This account has negative information attached and every time I call, they state that the social security number and birthday do not match my tax ID or birthday. So I asked how are they reporting ANY information on my credit report since they do not have the correct information. 

I spoke to multiple representatives from this company and they are unable to verify my social and date of birth on this account. So how can your company report such inaccurate information? I explained that I am from XXXX, so I have a tax ID that does not match your system at all. Your representative stated there is a social security on the account, but I do not have one ( since I am not a US resident ) and they stated this did not match the tax ID. This company has responded to all my disputes stating its accurate but there is no way as no personal information matches. I have included the following documents for your review : XXXX credit report showing the inaccurate negative information that is under my name. 
Proof of XXXX resident document where I highlighted my date of birth. 
XXXX document that shows my tax ID number. 

This needs to be looked into as soon as possible as this inaccurate reporting is damaging my life. How is your company verifying this information when my personal identification does not match? I am kindly requesting a letter of correction to remove any negative notation of this account from all three 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-08
Company: Experian Information Solutions Inc.
State: MD
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:
Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX XXXX  Experian XXXX  Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
creditor reported a energy bill of XXXX, I moved from the location after separating from my ex spouse and had my service disconnected and changed to another address. Somehow the creditor was unable to collect from my spouse who walked away from the house and never disconnected the service and they then attached his bill to my bill. I have explained this to them several times. How is a utility company able to let a bill constantly increase without disconnecting the service to become this high.

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 2020-09-17
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A little over a year ago I opened the discover card app & was offered a program that would freeze my card for 1 year. They agreed to lower my interest rate to help me get my balance down if I agreed to 12 months of automatic draft payments. The app presented this as an opportunity discover was doing to help me lower my balance. They said they would review my account at the end of the year but suggested that if I maintained my payments my card would be reinstated. I agreed thinking XXXX was being kind & reducing interest to help me lower the amount due. A year goes by & I completed their program perfectly. I spoke with a few reps thru their app and they said your account is being reviewed it should be turned back on soon. I called & spoke to that department today. They told me that because of other credit issues on my credit report ( such as medical bills ) they were not able to reactive my account until I took care of those other credit issues. Even though I have been a loyal customer with discover card for 18 years. I have kept up my payments with discover card for 18 years, they are refusing to reinstate my account until debts that have nothing to do with them are resolved. Had I known that Discover was going to do this to me I obviously would have never agreed to their program in the first place. I feel like they tricked me with false Promises to get me to agree to suspend my account & make a year of payments to them. I would have never agreed to this program had it been accurately explained to me. This program should not be offered thru their app but only thru a person as I was completely tricked. Obviously, even though I have been a customer of Discover for over 18 years & even though I have good payment history with them ... they must have considered me high risk and took an opportunity to trick me into a years worth of payments & me agreeing to never be able to use my card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX i sent out debt validations ( 609 ) letter to Equifax.On XX/XX/XXXX they made a decision and I have yet to obtain proper debt validations for my  debts by the mail. It has been well over 30 days. Equifax reported that the debts we 're validated to me. I have again yet to recieve proper debt validaton paperwork by the mail.

Company response to consumer: Closed with explanation