BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for while now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: DE
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 have reached out to Experian well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Saturday XX/XX/XXXX at around XXXX XXXX, my Macy 's account was hacked into and the information was changed so that I could no longer have access to my account. My Macy 's credit card was linked to this account. My card information was compromised and used to make, only to my immediate knowledge, 2 purchases. One purchase was for {$41.00} and the other purchase ( which was auto cancelled ) for {$290.00}. I have attempted to reach different departments for Macys at the suggested call times and have been unsuccessful thus far. I have tried to follow the FAQ but do not have access to my account as the information has been " updated '' by the hacker. My card was linked to my checking account for auto bill pay and am afraid that my bank information and possibly social security could have been compromised. I am unsure what steps to follow as all the lines I have called for Macys have been closed due to COVID-19 and telephone operating hours were not updated. The individual who hacked into my account also created a new email address based off of my email address and have reported this to 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 monetary relief
Consumer complaint received 2019-04-24
Company: MIDFIRST BANK
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: Their investigation did not fix an error on your report

Complaint:
XXXX mortgage refuses to report my mortgage to 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 explanation
Consumer complaint received 2020-07-27
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a XXXX XXXX XXXX that was returned to Kia in XX/XX/XXXX, and another lease was started for my XXXX XXXX XXXX. At the dealership, I was told that all payments made that day would include last payment for XXXX XXXX as well as first payment for XXXX XXXX. Four months pass, and my credit score drops around 70 points. I see that I have late payments for the XXXX XXXX XXXX account because the last payment was not made. Unable to clarify with the Dealership and Kia motor Finance, I decide to make the last payment at that time and close the account. However, there continues to be an {$18.00} balance from Kia Motor Finance on my credit report. Everytime I call Kia motor finance, I get a different answer saying they don't see it on their side, another agent sees it and says he will contact the credit agencies, and another agent today says I should be " thankful '' my credit report shows {$18.00} because to her, it shows {$16000.00} and that the dealership never processed the car as returned. There is absolutely no transparency in Kia and never a clear answer to their mistakes. I called the dealership and conveniently, the manager and agent that sold me the car are fired, and still have not been able to settle the issue with Kia.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I submitted a dispute with TransUnion and tried to upload documents. Their website was not allowing me to associate the uploaded documents with the dispute as they required, so my uploaded documents didn't transmit. I called on XX/XX/XXXX and said I needed this dispute resolved as it was affecting my credit score substantially and I was trying to refinance a mortgage. 

They said the only way I could submit additional documentation was via U.S. mail to Pennsylvania which certainly wouldn't help expedite anything. They said adding additional information could extend the time as well. It is truly one of the worst customer service experiences I've had in many years. They do not care at all about expediting resolution of disputes and are still stuck in the 1950 's with postal mail.

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 2018-05-02
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, and responded in writing on XX/XX/XXXX requesting more information about this alleged debt they claim I owe. XXXX XXXX, XXXX received this letter by Certified Mail on XX/XX/XXXX. 
I received a response, with a letter dated XX/XX/XXXX, stating that this debt is indeed valid and have included a supposed Verification of Debt which looks like a made up letter. On XX/XX/XXXX I then proceeded to contact PayPal, the original creditor, and talked to a XXXX employee ID # XXXX. She stated by phone, which was supposedly recorded, that she will mark this account in her records as fraudulent and that I should receive something by mail and then guided me to FTCs website to file an Identity Theft Report which I later did. 
Ive never received any correspondence from PayPal or XXXX. I then mailed XXXX XXXX, XXXX another letter on XX/XX/XXXX after my phone call with a XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX I also mailed them a letter from FTCs website asking them to stop all collection activity yet they continue to ignore my letters that I am a victim of identity theft as this account is not mine. XXXX XXXX, XXXX is still continuing to collect on a fraudulent account and keep mailing me the same document over and over. All copies will be uploaded here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used a Bank Of America convenience check to pay a contractor that in turned ripped us off on job ( Bathroom Shower ) nothing was done correctly and shower is unusable going on 2 months now, contractor refused to repair correctly or refund money and left voice mail saying he didn't care and said he would put lien on home if we didn't continue to pay him. We disputed the XXXX charge with Bank Of America and sent pictures voice mails and emails estimates to repair and letter from another contractor stating issue`s and original contract and denied claim stating we didn't send them original sales slip or invoice given to you at the time of purchase. I had called prior to paying contractor via Bank Of America to verify protection and was told not a problem check was same as using card.

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 2020-07-27
Company: Self Financial Inc.
State: RI
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amount was paid in full in 2014 but still appear on credit report plz remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Wells Fargo ( WF ) duplicated hazard insurance ( hi ) payment by paying my hi company, XXXX, the payments I was and continue paying to hippo. this caused my mortgage payment to increase {$1300.00} 2. several WF supv acknowleded WF '  insurance dept mistake by not paying attention to the payments already being made by me. 

3. see the following 6 attachments : *attacmnt 1 : wf 's request to send proof of insurance by XX/XX/XXXX. 
*attchmnt 2A, 2B, & 2C : my proof of insurance & payments to XXXX ; sent to wf XX/XX/XXXX from WF branch *attachmnt 3A & 3B : WF closing property insurance and adjusting my mortgage payment back to it's usual {$1200.00} ; proof of their mistake and correcting it XXXX. I thought the case was resolved as clearly shown on attachmnts 3A & 3B, but another wf rep called me XX/XX/XXXX to say i still have to pay for their duplicated hi payment. 

6. she will never show you the attachments 's i sent you and she is misquoting me 7. see complaint id XXXX for original 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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I used the application from CHASE to purchase a dog, XXXX is offered by CHASE bank to transfer money. I used because is offered by my own bank and transferred money to another CHASE account holder which resulted to be a scammer. I send {$1000.00} XXXX in exchange for a dog, but did not received any goods in exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I held this credit card for over five years. My payment history was good and as result the amount of credit extended to me was increased. My payment was due on or around XX/XX/XXXX. On the evening of XX/XX/XXXX, I made a payment in the amount of {$2000.00}. I immediately realized that I made a mistake but given the hour could not correct it. I called the next day and tried to stop the payment to no avail. The payment was processed and returned by my bank. On XX/XX/XXXX, I made a payment in the amount of {$2000.00}. This payment was processed. On XX/XX/XXXX, I was notified that the account would be closed and my interest rate increased to 26.24 %. The correspondence cited a number of dishonored payments and that simply is not true.

This seems extremely harsh considering I remedied the error, there was no impact to the lender, and my payment was timely. If I missed the payment entirely the impact would not be as severe, merely a late payment fee. The action taken by XXXX XXXX negated my effort to reduce this debt. This has negatively and unnecessary destroyed 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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America overdrafted my account for {$300.00} on purpose to profit by charging a {$35.00} overdraft fee. The order was canceled and the merchant credited my account. Bank of America did not reconcile the transactions and charged my account again for {$300.00} despite the credit from the merchant just so the account would overdraft and change the {$35.00} fee.

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 2019-04-24
Company: Southern Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is just a follow up complaint about Southern Financial Systems. This complaint it to show that Southern Financial Systems is aware that the debt is fraudulent and yet they still report the debt to credit bureaus. I spoke with the original creditor, XXXX XXXX, and sent them the documentation they requested to confirm fraudulent activity. The XXXX XXXX  collections representative, XXXX XXXX, confirmed receipt of the documentation and forwarded it to XXXX so that Southern Financial Systems can be aware that fraud has taken place. Ive given Southern Financial Systems over a month to remove the debt from my credit files since they now have proof that my signature was forged. I also explained to XXXX that the address where I lived is family land and is shared by 3 households. XXXX understood this and acknowledged how easy it would be for someone to tamper with my mail. I tried to explain the same situation to XXXX but she would continuously cut me off to avoid hearing the truth. Southern Financial Systems has willfully neglected their duty by federal law to remove the debt. This debt from ambulance services that Southern Financial Systems is claiming I owe was made with with another debt from XXXX XXXX in XXXX, MS . When XXXX XXXX tried to collect the debt from me for the hospital services accrued from the person who committed fraud, I was able to dispute the debt and the collection agency immediately deleted the debt because they had proof of fraud. I have in writing that the hospital debt was considered invalid and deleted immediately. However, XXXX of Southern Financial Systems is operating from a place of greed and lack of a moral compass. I have attempted to settle this without seeking legal intervention but XXXX refuses to follow federal law because for some reason I believed that this woman was noble enough to see an invalid debt and delete it. But XXXX is fully aware of the invalidity of the debt and still continues to report to the credit reporting agencies. I think that XXXX feels she is bigger than the law. Im submitting this complaint so that it can be posted publicly for others to be aware of the criminal activity that is exercised by XXXX and Southern Financial Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've had a business checking with Synovus Bank for several years. I had on line access to this account. A few months back I tried to log on to my account. I was told that my data was " Not available. '' That is, not until I signed up for a new service called " Synovus Gateway. '' While I DID NOT agree with the terms of service, I was held hostage by not being able to access my account data until I did agree. I was forced to agree to the new terms of service to be able to log into my account. UNDER DURESS I agreed to the new terms of service just so I could see my balance. This should be illegal! No contract is legal or valid if it's entered into under duress. Along with this 'New '' account came price increases for Wire Transfers. From {$45.00} to {$100.00}. I agreed to this increase only under duress and I think I should be refunded the difference between the old price and the new price which I was FORCED, UNDER DURESS, to agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and transunionhas continuously and falsely verified this alleged account. Both XXXX  and transunion have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector ( XXXX XXXX ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to 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 2021-09-12
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Someone I do not know hacked my computer and made fraudulent charges under my name and was made on XX/XX/2018.

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 2015-10-23
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Rushcard has not direct deposited my payroll deposit for two weeks now, causing my bills not paid on time, insufficient funds fees and not too mention the emotional stress it is causing, no money is no gas for my car, no car no job which I 'm on the verged of being fired and there is noting I can do about it until XXXX XXXX has fixed the problems, he also should be responsible to pay for fees and stop payments that has resulted from this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Colony Brands, 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:
My mother in law ordered a gift for my birthday from the tender filet website on XX/XX/22. She accidentally put my name and address in the to be billed section. The Tender filet company did a hard inquiry on my credit. My mother in law called the company and had them cancel the order. The way I found out about the hard inquiry was from XXXX XXXX. They sent me the alert today. XX/XX/22

Company response to consumer: Closed with explanation