BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has placed a limitations on my paypal account with no explanation as to what I did or might have done. I can not send or receive money permanently. I received an email on XX/XX/20 saying that I can not use paypal anymore. Period. I can not answer the email. I called an associate and they say they can not or will not help me, nor can they say what the problem is. They have a resolution department which I can not contact. If I click on that, I simply get a message saying that I can not use paypal anymore with no steps as to what I can do to get limitations removed. The associate gave me an email address to use, compliance.paypal.com. I sent an email and was simply told that there are steps to resolve the problem. They told me to go to paypal, help and resolution. Right back where I started. They say, and give me a link to contact customer service, and the link takes me right back to the problem I am having with absolutely no way to contact customer service. My rights have been violated. There is no way I can see to contact them with a track to resolving this dispute. I have been cutoff completely. In 180 days I can back any money I have in my paypal account but I have none. That is not the point. I can no longer receive or send money. I have sent money for 2 reasons, send money to my family and order from XXXX  none of which violates anything. I have been wronged. Any more steps I can take?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in years.

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: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I have contacted XXXX with a request to correct wrong information on my reports. Names are misspelled, Inaccurate information. I sent several Request to XXXX  to correct and resolve. I keep getting denied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: CITIBANK, N.A.
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 have disputed both charges below because they were both fraudulent ( unauthorized ) : XX/XX/26 XX/XX/26 XXXX  XXXX MO {$87.00} XX/XX/26 XX/XX/26 XXXX  XXXX MO {$89.00} I have called XXXX 3-4 times to request credits for these charges and the reps tell me that if I do this or that ( e.g., sign and email letters back to XXXX ) I will receive full credits within a few days. I have done everything asked of me. It has been three months now and no credits have been received. 
Interestingly, each rep I have talked to agrees the charges are fraudulent, but said they have to follow a process of review, etc. I have talked to XXXX in XXXX Ky, XXXX ID XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX ), and XXXX ID : 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 2017-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Back in XX/XX/2021 I called Experian Credit Bureau and finally got through to talk to someone ... extremely time consuming and difficult! After reaching someone I explained to them the problem I have with experian boost and how it's not working properly and ways to solve the problem. The problem is boost allows you to get a credit score boost by paying utility bills on time. Since it's not working properly and I've done everything on my end to resolve the situation if I cancel the boost then my credit score will be affected negatively. And I'd like the option of sending in proof of on time payments but have no way of communicating that to Experian. The fair and just thing to do is let me cancel with out affecting my credit score or let me send in proof of on time payments! I have yet to heard back from them about this. My score with Experian is 50 points less than the other Credit Bureaus! This is unfair and unjust!!!!!!!

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 2019-06-05
Company: A.R.M. Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
An security alarm company, XXXX/XXXX/XXXX XXXX XXXX, on XX/XX/2017 Scammed me with a defected security alarm system. The installer can to my house after dark to install the system. When he finished he had no paper work with him, saying the office would contact me the next day. He said I would have to pay {$99.00} for installation with a credit. I paid with my credit card, and he sign the installation sheet and told me to sign, I did. He told me If I had any problems to call him. He wrote the phone number down and Left. The next day I dropped the handle of my mop, and the alarm went off like crazy, I call the installer, XXXX XXXX. He told me to reset it. I called him many, many time after the initial time, because the system would go off for any little reason. The installer stopped answering my calls. XXXX, would call me when I would leave home on multiple time, saying someone was in my house, I rush back home and nothing would be wrong, except the alarm.going off again. XXXX sent out many people. Finally the last the last guy told me the wrong system was installed, and to call XX/XX/XXXX loyalty dept, to get the correct system. Called XXXX, the next day, They said the company that did the installation was XX/XX/XXXXand they would call them with me on the phone. They talk to a XXXX in finance, explained what was happening with my system, and a new system should be installed for my high ceiling, She said they only had one type of system. She said she would cancel my contract, I told her I never sign a contract, because they never sent me paper work. She did not respond. I ask her about refunding the {$160.00} and all the money I paid, she stated she would refund the XXXX only, she never refunded me the {$160.00}. She said the system would be turned off right away, but she turned it back on two week later. I called and called, XX/XX/XXXX/XX/XX/XXXX, they would not take any of my calls or leave me on hold until I hung up. Please help we, they have ruin my credit. I found out later, that XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ( Which was the company I called ). All three works together to fraud and scam people. There are many people on the internet that are saying the same thing about these three crooked companies. The three crooks, put a contract on line, where someone from their company forged my signature.

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 2023-05-05
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
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 2021-07-05
Company: Experian Information Solutions 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 am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transactions that I have made. It is the result of identity theft. 

1.XXXX XXXX  account # XXXX {$700.00} ( XXXX ) Ive never done business with this company or entered into a signed contract. This account is fraudulent. 

2. XXXX XXXX XXXX account # XXXX {$920.00}. ( XXXX ) Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent. 

The following inquiries are fraudulent 1. XXXX XXXX/XXXX/XXXX 2XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7. XXXX XXXXXX/XX/XXXX 8. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX  XX/XX/XXXX 12. XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, I got notification that a new inquiry had been listed on my report. It was alarming because I did not seek for any credit. After reviewing the report, it turned out that someone used my identity to apply for a loan with XXXX XXXX XXXX. The fraudster listed their address as XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I have never lived in this address. So I followed up with the bank and asked that they close the account, which they said the application is still under consideration and not approved at the moment. So they closed it. I then asked them to notify the credit bureau so the hard inquiry would be removed from my report. The bank rep assured me that it would be done and that this can take about XXXX  months so I should not worry. More than XXXX  months passed and the inquiry still tags on my report. Then, I called XXXX XXXX XXXX  again to complain and I was told that they do not have any record of this ever happening so they can not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: MoneyLion Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
i reached out to XXXX XXXX and and XXXX XXXX XXXX to see how these unauthorized inquires were added to my credit report and I became aware someone got access to my credit report. I made a police report regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
I have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The accounts listed below are the result of such crime and must be deleted immediately XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2021-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my wallet was stolen, and within 45 minutes I had canceled my cards and reported them stolen, but it was too late. Someone made over {$1000.00} of purchases combined on my credit and debit. Bank of America even alerted me of this fraud ( attached ) and I acted Immediately. Yet they are now denying it was fraud. 

I did everything right. I reported it immediately, contacted BoA directly, and filed a police report with the City of XXXX, MA. I provided the police report number to the claim department as well. They told me several times they would call should they need more info. 

I just received a letter that I will be held liable and the chargers were added back to my credit card, as well as the debit cars. This is extremely frustrating because I did everything BoA told me to, and the police have a photo of the person who did it. It is clearly NOT me and I have made it clear I did not authorize it. I reported it as soon as I knew it was missing. 

When I called, they said someone had filed the claims wrong. yet they are penalizing me for it. I have been working with the police so everything is documented. 

To make thing worse, they provided me with a resolution representative. He called me and asked if I have a police report, after 7 Bank of America employees had told me they had all the information including police report info, officer name and contact info. I spoke with this representative, XXXX, who said who said my fraud claim was denied despite me having a police report because people lie. He also said the claims show as open to him, but on my end they appear closed and they sent me a letter saying its closed ( attached ) I been a member of BOA since 2012 and have never filed a claim so I dont understand why I am being treated like a criminal. This has been difficult.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy : Bankruptcy 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 2022-11-07
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'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 2017-11-15
Company: RIA FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to find someone to take over my apartment. First time he tried to contact him using his friend. She said he wanted to hear detail about my place. So I emailed to him to explain. Then, he told me he was XXXX XXXX, so he can not see in person. He wanted to see pictures. So I sent him. Then he said he liked it he wanted to reserve my place. He sent a check and he wanted me to know full address, full name and number. Then I got his check. He told me he sent much more money than rent fee. So he wanted me to get rest of money using XXXX so I sent him the money. Then he took the money I sent and stop the check he sent to me. So I contacted the department to get the help. They said he already took the money, so there isnt anything they can help me with this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation