BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
In my last complaint PayPal completely ignored and did not acknowledge my documents that I have resolved dispute XXXX and the funds were issued back by XXXX XXXX. These funds are sitting with PayPal at a " XXXX XXXX XXXX XXXX XXXX ''. I have made 5 transactions with XXXX XXXX. All 5 of these transactions have this routing number " XXXX XXXX XXXX ''. I have tried contacting PayPal by phone but they have me blocked me from contacting them in their system. I have also reached out to them on XXXX and sent them documents but they ignore me. In my eyes they have no desire in resolving the issue. I'm enclosing documents seeking a professional reply from PayPal to why they can not address this problem or are they just that lazy? 

My documents are as followed : 1. PayPal 's reply ignoring the fact that payment was reapplied in XX/XX/XXXX document which came from XXXX XXXX. 
2. A screenshot of the re-applied payment and it's transaction number " XXXX XXXX XXXX '' for the amount of {$5000.00}. 
3. A screen shot from XXXX XXXX ( XXXX ) expressing her frustration with the lack of effort PayPal has put into resolving this issue. 
4. My XX/XX/XXXX letter from XXXX XXXX on their decision of the dispute. ( page 2 ) WHERES MY MONEY PAYPAL????? 


If you search issues with PayPal they do have a history of stealing money from people. I would like to know PayPal where are my funds? If you think your going to steal {$5000.00} from me your highly mistaken! My next course of action will be to continue to file with CFPB, XXXX and I'm going to get an attorney. I have had enough!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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:
I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.

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 2021-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I ask to the company please send to me a copy of the original application with my signature if application no longer available please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Saks credit service through Capital One, continues to penalize and incorrectly add fees and report to the credit bureaus incorrect information. Every single month a late fee! Every single month! Even when payments were processed by reps to be skipped due to pandemic. Saks Card ( Capital One ) then report it late to credit bureau, through no fault of the customer. 
I have been trying continuously to communicate and advocate for myself as a concumer and former account holder but every since the accountwas closed, it has gotten worse. There has to be a means for the company to stop charging the late fees and inaccurately reporting to credit bureaus on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend sent a prepaid credit account to an address that I haven't lived for 7 years. Luckily, my friend bought the house from me, and texted me the info. I can not believe they are allowed to send unsolicited credit cards, that can easily be activated by anyone. I tried to call to have them remove my information from their database, but it won't let you speak with a representative, it will disconnect the call if you don't activate the card. I also sent them an email. I do not want my name associated with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Weeks ago was told I would need separate card for joint account. Card was sent and couldn't activate. Contacted was told problem with system, so use existing card. Tried existing card, was denied. Went to beranch XX/XX/19 and agent contacted Credit Card section and they said problem with exp. dates, only way to solve is overnight new card. Received new card and told can't activate due to problems with system and immigration issues. Been 5 days with no use of card, auto payments declined, several hours spent and told can't due anything until fimurther notice. Truist not resolving problem.

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 2020-12-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Macy's- Account # XXXX I have tried to resolve this account with Macy 's numerous times and my account is not resolved. This account was used FRAUDULENTLY in 2019 when I was alerted of charges made and contacted Macy 's immediately to resolve. I was told by Macy 's that indeed there was suspicious activity and that the case would be investigated. The case was closed and my account was not fixed.

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 2022-07-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I just reviewed my Comenity BJ 's My Perks MasterCard recent transactioins and was astounded to see charges posted which were reportedly made in XXXX OH. I have never been in XXXX OH, and it is very disturbing that Comenity BJ 's My Perks MasterCard 's " updated '' system continues to malfunction which such sensitive financial data as in person chip enabled transactions. Please review the attached pending transaction attachment. I did make corresponding charges using this card at a BJ 's in XXXX XXXX NY, and then at a BJ 's in XXXX, NY but I have never been in XXXX OH. Please correct these transactions forthwith to reflect accurate financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Southwest Rapid Rewards in XX/XX/2020. There is a promotion for a {$200.00} statement after first purchase, plus earn XXXX points after you spend {$1000.00} on purchases in the first 3 months. I was approved for the card and fulfilled the requirements for their offer. I have had the card for a few months now and I contacted Chase regarding the promotion offer regarding their points. I mentioned that the current points reflected on my account does not reflect the bonus points. The first time I called they lied to me and said the offer was for 10k points. The second time, Chase hung up on me. The third time I called the supervisor lied to me again. I told them I have a screenshot of their offer, a copy with date of the time I submitted the application, and told them this is a " breach of contact '' and that I would take legal action, if necessary, in small claims court. Only then did the supervisor claim she would escalate the matter and get back to me in 3-7 business days. I am submitting this complaint to prevent Chase from doing this to other potential customers in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was not able to access my online banking so I called Citibank XXXX. The directed me to fraud account. They told me I can not have any access to me access and that they would send me a letter in XXXX to XXXX  days.

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 2022-07-07
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: Investigation took more than 30 days

Complaint:
Accounts reporting are due to Identity theft so are the inquireis they need to be deleted. 
XXXX XXXX services and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud alert on my Equifax report. I did not request this. I have sent two letters requesting it be removed. It is still on there and they have never responded. As usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
MANIPULATED INTEREST AND AMBIGUOUS BANKING PRACTICE I applied for cash advance of {$1200.00} in XX/XX/XXXX. I spoke with the banking staff after couple of months when I noticed the double interest charged with purchasing and cash advance loan being separated on the best way to pay off my cash advance, I was told by the staff that I should be paying more above my monthly due and that any cash above the normal due will offset the cash advance. From XX/XX/XXXX. I always make monthly payment above my normal due. I found that the interest rate continually mounted higher on my credit card and cash advance is separated with purchasing At XX/XX/XXXX the balance on cash advance stood at {$1100.00} from {$1200.00} while I the accumulated interest paid amounted to {$490.00}. 
I have offered to paid off the cash advance balance but the bank refused to separate my cash advance from purchasing but enjoyed charging interest rate differently. I have spoken to bank staff for settlement of cash advance several times to relieving the doubles interest on cash advance and purchasing. I regret my cash advance but I am soliciting for assistance to pay off my cash advance I got cash advance and I was told by the staff that in order to pay off the cash advance I need to pay more over my normal monthly dues. I have done that for over 12 months and the cash advance remained same with monthly huge interest. I have paid interest that mounted to half of cash advance but the cash advance remained same as if I just got it yesterday. This is ridiculous. I need assistance from public to fighting this ambiguous financial malpractice. I am weighing option to let it go to collection and only fraction of the money will be paid The interest rate charged on both Purchasing is 24.24 % and Cash Advance is 24.24 %. The lending practice of this bank needs to be publicized for public awareness. I was told wrongly and all the payment made above my normal dues were not applied to cash advance.

I have enough cash to pay off the cash advance but the bank will not apply any cash payment to close the cash advance because that is the area that they are sucking money from people. I was advised wrongly before I got the cash advance. I need help on how to challenge this wrongly doing.

I am soliciting for assistance to addressing this issue publicly on all media house as I am trying to avoid bankruptcy or financial crises

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit reporting 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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Central Portfolio Control 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:
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My mom open a credit card added my name in XXXX. She died .she had all this credit card dept on the wells fargo card and they closed the card and wont give me a card and told me i was responsible even though she carged it. Over XXXX in charges

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 2023-09-20
Company: MRS BPO, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address an issue on my credit record. I have observed a collection entry from your agency that has come to my attention, as I was not previously informed about this collection. I have reservations about the accuracy of the debt being asserted. Under the Fair Debt Collection Act, I possess the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take the requisite steps to resolve this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE

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 2018-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to unfreeze my credit report. I have attempted to contact them many times for the past day and a half and can not get a person to talk to or the correct prompt to help me. I have tried to unfreeze it online and have not been able to do resolve my issue. 
I requested my PIN and it does not work!!!!!! 

I am very frustrated with this process. They should have a customer service person available at all times. 

Please have someone call me.XXXX or XXXX thank you 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 2023-12-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: KS
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 am a victim 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 explanation