BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I purchased a XXXX 100 oz silver bar in the amount of {$1900.00}. My purchase was paid with PAYPAL Credit account. I received the silver bar on XX/XX/2020. While inspecting my purchase there were defects with the silver bar. The silver bar had dents and scratches on the metal. I contacted PAYPAL.COM and was directed to contact the merchant, XXXX, first. I opened a complaint/dispute with PAYPAL.COM, at their direction, until I resolve my transaction with the merchant. PAYPAL.COM placed a temporary credit for the amount, {$1900.00}, until resolve my transaction with the merchant. 
On XX/XX/2020, I contacted XXXX, and informed them about the condition of the metal. I informed that I would like to return the metal. 
Thereafter, XXXX sent me a XXXX PREPAID return label vial email. Their executive company is located in XXXX, Texas. Their Vault/Warehouse, where the metals are stored, at their fulfillment Center is XXXX XXXX. I went to a XXXX  on XX/XX/2020 with the package, and was informed that it would be received by the merchant by XX/XX/2020. I received confirmation that the it was received. Thereafter, XXXX refunded my PAYPAL CREDIT ACCOUNT for the amount of the of {$1900.00}, the purchased amount on XX/XX/2020. 
I contacted PAYPAL.COM, which is different from PAYPAL CREDIT, that the refund was placed on my credit account. 
I have been contacting PAYPAL.COM, informing them that my refund was applied to my PAYPAL CREDIT. PAYPAL.COM is not acknowledging all the documents of receipt I have sent them. They state that the merchant stated that I did not return the package and the the merchant did not provide the refund, which they did. I have sent all documents from the merchant, XXXX of their receipt and PAYPAL CREDIT that indeed merchant refunded me the credit. 
This has been going on with PAYPAL.COM for the last 2 months and they want me to pay the {$1900.00} to my PAYPAL.COM which they are not credit account just an online service. 
I will attach the documents that I have provided to PAYPAL.COM confirming my return and refund provided by XXXX to my my PAYPAL CREDIT. 
I feel that PAYPAL.COM is giving me unnecessary stress. I am retired, and can not afford to loose money that belongs to me. 
Thank you for your assistance. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06
Company: Informative Research
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been in the process of obtaining a mortgage. The report by the recent report says my address is false and is a commercial non-residential ( XPN ) It say " XXXX Red Flag Alert XXXX - Personal identifying information provided is of a type commonly associated with fraudulent activity as indicated by internal or third-party sources used by the financial institution or creditor. '' It also adds in their message to the mortgage company " this may indicate the applicant is attempting to take-over the identity of another consumer ''. It goes on to say I have 38 seriously delinquencies and public record or collection filed ; 18 number of accounts delinquent ; 10-proportion of balance to high credit on bank revolving accounts ; 14-length of time accounts have been established. '' this simply does not describe me or my credit. It almost sounds like they have pulled the wrong XXXX XXXX XXXX. The few credit cards I have are either at a XXXX  balance or the one with my bank ( that I've banked with for the last 13 yrs. ) is at 30 % of available credit. My address has been the same for 2 1/2 yrs. and is a mobile home park, that has been established for over 25 years. Everyone in the park has the same address except each of us must add our Lot # to receive any mail. I'm so upset that they have painted such a negative picture of me. I own my mobile home and pay taxes. This type of " RED FLAG '' false information will never help me secure a mortgage to move back where my family resides. The company name providing this false information is Informative Research.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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 appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2018-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit report shows a negative collection/chargeoff from capital one.This account has been closed since XX/XX/XXXX. The full balance was paid. Capital one still shows a negative account on my report. I disagree with this negative report from capital one. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, XXXX XXXX # XXXX, # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction

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 2019-10-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid 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:
My new travel card ( United Explorer Chase Visa ) was declined while on vacation in another country. I called customer services at least 7 times throughout the week to try to verify purchases and confirm my identity ( via text confirmation and answering security questions ). Additionally I contacting customer support through the secure online portal linked to my account multiple times to resolve the issue. 

After an excessive number of attempts to resolve the problem, my card was still not accepted anywhere. Every support agent from Chase gave assurances that my card would no longer be declined. I even kept agents on phone and attempted purchases multiple times so they could " troubleshoot issues ''. 

Numerous support agents, a support manager and online support representatives gave assurances that my card would be accepted for the remainder of my vacation. During my 5th call with phone support the agent " guaranteed my card would work. '' I informed the Chase cardmember representative that if my card was declined again I would file formal complaints with XXXX and CFPB ... .. My next purchase was declined. Chase Bank, United Airlines and Visa are branded on the card and responsible for the unacceptable customer support and service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX FIN : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I was assaulted by my husband at the time. While I was seeking treatment and shelter at a womens haven he stole my debit card. He made thousands of dollars worth of purchases. I contacted Chase and disputed the charges. Over a month later they denied the claims and reversed the charges. Stating that they were valid. They showed no sympathy for the fact that I was abused and blaimed me for my husband having access to my info. Ive since gotten divorce because of this incident I was able to get an immediate divorce. I have documentation that it was because of domestic violence. Now the account is overdraft and there is a possibility that my account will be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for XXXX XXXX. During the month of XXXX I was very ill due to XXXX complications which caused me to be unconscious and missed payments. I gave birth in XXXX and shortly after I was on maternity leave without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to XXXX XXXX  to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.

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 2023-02-07
Company: EQUIFAX, INC.
State: WV
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:
Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: FL
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:
I spoke with Citi via chat about my options for reducing or eliminating the annual fee on my Citi Premier Card. After unsuccessfully getting a customer retention offer, I closed the chat. However, the Citi agent continued and closed out my account without my confirmation or permission. This unauthorized closure jeopardizes points that have a cash out value of {$570.00}. 

The following is the chat history with the Citi agent : XXXX at XXXX, XX/XX/XXXX : Do you want to permanently close your account? 
You at XXXX, XX/XX/XXXX : Not particularly, but are you telling me that's my only option? 
XXXX at XXXX, XX/XX/XXXX : Yes correct [ at this point, I disconnected the chat ] BY CLOSING YOUR ACCOUNT, YOU WILL HAVE XXXX DAYS TO REDEEM YOUR REMAINING XXXX POINTS. 

IF YOU EARN XXXX POINTS FROM MORE THAN XXXX ACCOUNT, PLEASE WAIT XXXX HOURS BEFORE REDEEMING TO ENSURE ANY POINTS FROM THIS ACCOUNT ARE REDEEMED FIRST. 

YOU WILL LOSE ONLINE ACCESS TO YOUR THANKYOU ACCOUNT UNLESS YOU HAVE COMBINED IT WITH ANOTHER OPEN THANKYOU ACCOUNT. SOME REDEMPTION OPTIONS MAY BE LIMITED OR INELIGIBLE. 

By closing the account you will get the annual fees refunded Shall I close your account? 
XXXX? 
I have successfully closed your account And your annual fees would be adjusted on your next statement Be assured about it I really appreciate your time and patience. 
It was a pleasure messaging with you today! 
Feel free to rate your experience by clicking the End button to complete a survey. You can rate our service from XXXX to XXXX, with XXXX being the highest. 
Thank you for choosing Citi. 
Take care and Stay safe!

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 2021-02-06
Company: SYNCHRONY FINANCIAL
State: MO
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:
Synchrony bank I recently had fraud on account. I reported fraud I also contacted merchants to get credit back. Not a lot few XXXX dollars. I have a lot of credit cards with synchrony bank. I was asked if I wanted to update my information. I said yes update my phone etc. I have a great credit score. Today I go to purchase gas at Sams and card declined. I contact bank tell me closed due to internal risk factors. I lost all rewards points nearly {$250.00} they were to pay me for 2020 rewards. Not fair to not still give rewards I earned last year. They are closed all my cards I have same reason. I see I internet this is something they are doing to a lot of people in the middle of a pandemic. I never was late on payments or anything. Had about {$50000.00} in credit but only used a couple XXXX each month. Never financed with them. I think a class action suit should be filed on their taking rewards dollars from cardholders that were earned before paid and claiming I forfeited my rewards. Bad company practices by synchrony bank and companies should find a better bank to deal with because this effects merchants also.

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Company has sent 8-10 letters trying to get me to confirm I am who I say I am Company is not reporting accurately my score and has 30 closed disputes that have provided no actual use I want them fined and I want the max amount for the data breach settlement. 


Do something about your XXXX credit reporting too

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 2022-03-15
Company: Kingston Data & Credit International Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX at XXXX - XXXX XXXX XXXX XXXX XXXX account # XXXX has been sending me a collection notice for {$410.00}. I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been trying to get this company to validate the debt they said i owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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