BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
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 months 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 '' and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in dispute letters to all three credit reporting companies, XXXX Equifax, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the last 3 years Cash App has stole {$750.00} XXXX Dollars, and when trying to contact the company I only get bots not real people at Cash App responding, all the agents are robots

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, INC.
State: VA
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:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX  credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many XXXX XXXX XXXX violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the HonXXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

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 2019-05-31
Company: EQUIFAX, INC.
State: MD
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:
I've FULLY PAID an account off of my credit with XXXX XXXX XXXX and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I mailed a certified debt validation letter to collection agency, XXXX XXXX XXXX to verify this debt is mine. This creditor has failed to respond in a timely manner to my dispute and fail to validate this account correctly belonging to me, nor has my credit report has been updated that the account is disputed. After review my account as of XX/XX/XXXX, there has been no updates. Please strike and remove this account from Equifax until adequate validation has been received proving that the amount belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I attempted to reach out to BBVA in regards to my payments and late charges on my account. I received a return call and returned call but havent heard the status of my request. I spoke with a customer service representative with stated that I could no longer speak to anyone regarding the issues because a decision was made. I informed the representative that I had an email and left a message for Ms. XXXX XXXX on several occasions but received no return call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OK
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 credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 1.-XXXX XXXX XXXX XXXX XXXX  OPENED XXXX 2.-XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XXXX 3.- XXXX OPENED ACCOUNT # XXXX OPENED. XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation not mine inaccurate information sent ftc and po 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 explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-05-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX XX/XX/2019 Statement I notice it said " Promotional Balance : {$530.00} no interest for 6 months.pmt req. I called Home Depot Customer Service and told them I didn't ask for or gave permission for the to put this offer onto my account and I want it off now. 
The supervisor XXXX stated " It's deferring the payments for 6 months, if you pay the balance in 6 months you pay not interest for purchases up and over {$290.00}. But if you don't pay within 6 months the add all the interest at the end of the 6 months and it all the same thing. I told her I rather have the interest included in my monthly payment and I didn't and don't want this Promotional Offer. She stated their is nothing they can do. Use another card if I don't want this option. 

Home Depot has and " Deferred Interest Promotional Offer '', they automatically put on your credit card without your permission. If you spend {$290.00} and over the interest deferred for 6 months. if you don't pay within 6 months they throw all that interest into your credit card payment at one time. I didn't ask for this offer I don't want this offer and I want it removed from my credit card account.

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 2023-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
It started on XX/XX/2023 when I received an email from Bank of America saying my card application has been received. However I never applied for any card. I called the company and talked to the fraud department and told them the situation and told them to reject the application. However two days later I received another email saying my application had been approved. I called all the three credit bureaus and put a fraud alert on my name. Despite of all this I received the package from XXXX XXXX XXXX  in the mail with the new credit card on XX/XX/2023. My plan is to stop by a branch to try to get some more information before I destroy this card but since I don't know the outcome I would like this complaint to be documented. Thank you for all your help.

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 2021-05-31
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im being charged from Best Buy credit card when Ive never gotten a credit card from them. They want to charge me over {$2000.00}

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX did not have permission to access my credit report in XX/XX/2017 which led to a forged and fraudulent loan. This request is over 1000 days old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Tower Loan of Mississippi, 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: Credit inquiries on your report that you don't recognize

Complaint:
After filing an initial complaint regarding an unauthorized inquiry on my credit report, Tower Loans refused to remove the inquiry. They replied through the CFPB portal that an FTC affidavit needed to be filed and emailed to the email provided in their pdf reply. On XX/XX/2023 and email was sent to XXXX XXXX, Director of Compliance for Tower Loans with the FTC affidavit and a notarized affidavit attached. As of today, he has not responded nor has the inquiry been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
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:
ATTN Fraud Department : Remove fraudulent accounts from 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 explanation
Consumer complaint received 2018-02-08
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a f/u concerning the net credits changing on our loan terms for 52 months at a daily interest rate of about {$4.00} to 32 months increasing the rate to {$5.00} per day. I reviewed my contract and it does not state that the company has the right or permission to change the term of the loans. The loan upon the {$1500.00} payment should have remained and decreased in monthly amount. I recently sent in a {$1000.00} payment on the XX/XX/XXXX and prior to making the payment I spoke with customer service that stated that " decreasing the term to 32 months was better for me '' and she could not conceive that I am being charged at an unauthorized accelerated ( added ) rate of {$1.00} possibly higher since the payment of {$1000.00}. FYI the payment was scheduled onXX/XX/XXXX when I made the {$1500.00} payment ( see payment schedule )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Blockchain.com, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought XXXX on the Blockchain app. That went instantly, but when I tried to send it out they gave me a transaction ID that never registered on XXXX. Its stuck pending and nobody is there to speak to. Im just stuck in limbo here. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX I sent a letter to VANCE & HUFFMAN requesting a copy of the original purchase agreement, proving that they are the legal owner of an alleged debt they are reporting on my credit report under account # XXXX. However its now XX/XX/XXXX and they have yet to honor my request nor have they produced the documents I asked for. I dont owe this company anything, nor have they validated this misleading information. Also, the details under this account first appeared on my credit report with the original creditor where it was deleted by XXXX, XXXX and XXXX XXXX, for being inaccurate and unverifiable. The account was then sold to VANCE & HUFFMAN where it reappeared back on my credit report. After VANCE & HUFFMAN failed to respond to my last request. I then sent a another letter on XX/XX/XXXX demanding VANCE & HUFFMAN stop all collection efforts and remove this account from my report. Please have VANCE & HUFFMAN remove this account permanently where it could not be resold to another debt collector for this is hurting my chances of being approved for a home loan and causing me so much stress and inconvenience. Thank you for your Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Conduent Incorporated
State: MI
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 belongs to someone else

Complaint:
XXXX employees keep telling me to call the other side and that your money is under XXXX XXXX but when i did i were denied. I have ask card service over and over to remove the wrong address that they keep sending me XXXX XXXX XXXX XXXX, XXXX XXXX and they have not. Now I am receiving texts to contact XXXX XXXX bank and card services fraud dept. email address XXXX and I did without an response. 

XXXX XXXXXXXX services please explain the text message ( AOD ) to contact you and what involvement I have with XXXX XXXX bank and what needs to be disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: VA
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:
I opened a dispute with Experian because it showed my XXXX XXXXXXXX account as still being open. It was discharged through bankruptcy in XX/XX/2020. Now they added in that it has been in collections all the way up to present day. I have worked very hard to repair my credit and now they have a new collections that dropped my score immediately and we are trying to buy a new car. They refuse to accept a new dispute to correct 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 2022-03-16
Company: Colony Brands, Inc.
State: PA
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 applied for a credit card and purchased a laptop with my information and had it sent to their address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Hello. My name is XXXX XXXX. Someone used my information, my XXXX number, and through the XXXX and XXXX applications opened XXXX credit cards in my name at CapitalOne Bank. Credit cards were opened on XX/XX/XXXX and XX/XX/XXXX for the amounts of {$1300.00} and {$1000.00}, respectively. I noticed this only in XX/XX/XXXX. I wrote and called Capital One. They sent me an answer that I have to pay and close the balances of these two cards. This happened on XX/XX/XXXX. After that, I had to call Capital One and try to restore access to these credit cards ( more precisely, to the application ). Since there was another person 's username and password there. Starting from XX/XX/XXXX, I am paying off the balance of cards that I have never even used. At the same time, my credit rating completely dropped. I ask you to help me with this situation. I can provide all the details. You can contact me by phone XXXX or by mail XXXX ( preferably by email )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: FL
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:
I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX  XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.

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 2023-03-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation