BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$3300.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$3300.00} XX/XX/XXXX Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi, I have been a customer of the American Express Platinum Card since XXXX. They decided to " cancel '' my credit card without any explanation. The credit card was never overdue, all payments were cleared and does not have any outstanding balance. 

I reached out to American Express Customer Service multiple times yet they are not reinstating my credit card. I asked them why my credit card was " canceled '', but I did not get any answers and I am being asked to apply again. 

I need CFPB assistance in this regard to reinstate my card as it was canceled for no reason. 

Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: JNR Adjustment Company, Inc
State: FL
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:
Hello, a creditor reached out to me about a two months ago about a debt that is not mine. I told them by email that its not mine and I dont know where that is coming from. They keep on treating me and sending me letters of something I have no idea why theyre trying to charge me so much money for what I dont know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: SYNCHRONY FINANCIAL
State: NC
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 had a care credit account issue by Synchrony Bank. My account has been paid off and closed for quite awhile now. It appears that care credit has been reporting a delinquent account to all 3 credit agencies. I have reached out to them last year regarding this issue and let them know that I do NOT have another account. They did confirm that it appeared my name was attached to someone else 's account. I did report this as fraud and they were to remove this. I believe this was done but then placed back on to all 3 bureaus. I have reported this as identity theft and this company won't 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 2020-02-09
Company: TD BANK US HOLDING COMPANY
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:
XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was contacted by a company called XXXX XXXX via text message in XX/XX/2020 to sign up for a XXXX  XXXX  XXXX. I completed a form & received a provisional assignment in the mail on XX/XX/2020 that contained a cashiers check, which I cashed at Bank of America on XX/XX/2020. I was instructed to cash the check & go to a store to purchase two {$500.00} XXXX  gift cards & {$45.00} worth of groceries. I was then instructed to go to a second store & purchase two more {$500.00} XXXX  gift cards. I was told to take {$290.00} out in commission & keep the remaining {$26.00} for my second assignment. After completing my purchases I was told to send an evaluation of each store with receipt & gift card images. On XX/XX/XXXX I noticed a debit hold on my account for the amount of the check. On XX/XX/XXXX, the check amount was withdrawn from my account. I called Bank of America on XX/XX/XXXX to file a claim & ask to have my money returned to me so that I could set up a payment plan. I was told nothing could be done.

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 2023-08-13
Company: Self Financial Inc.
State: AL
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:
Company is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) and continues to intentionally cause negligence after company has been informed of such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX and ask for the original Documents to verify my account and no help at all, they post 2 account on my XXXX Report. 
account # 1 {$420.00} account # 2 {$490.00} I called the Original Creditor XXXX XXXX for more help and they told me i'm not on the system! 
the account does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
I have filed numerous complaints trying to have inquiries that was found in mg credit reports, they did not resolve the issue, these inquiries are fraud and I want them off my report, there is over 29 inquiries on my Equifax credit file and Equifax is ignoring the fact that these inquiries I do recognize at all and they need to removed, I will send a FTC Identity theft report With this complaint, this is my third complaint and nothing has made been done, it is my right under the fair credit reporting act to dispute any information that does not belong to me, I am disputing these inquiries as fraud, do not put no fraud alert on my report, I will keep filing complaints until these inquiries are disputed off,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Home Depot reported me 30 days late. I disputed it several times with Home Depot and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show Home Depot as reporting me late, Home Depot doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that Home Depot says I was 30 days late in XX/XX/XXXX. XXXX is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.

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 2023-05-14
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2015 I desperately requested for CFPB to please listen to my complaint and give me a resolution.. I am now again desperate and frustrated and after providing six or seven financial packages, I am now desperate. 
I now do not qualify for I can no longer use my wife as a contributor. We are legally married. However she is not on the mortgage or the deed. My wife has always contributed. We purchase this home together for our children. 
I began to default on our mortgage when she was injured and was not able to work. I lost her income then an now again for Chase FHA guidelines no longer accepts a contributor on the loan. She i s my legal wife. She i s now on social security XXXX .. This is my primary residence.. I want to preserve my home. I want to make payments. 
Chase has taken their time in providing a resolution and I am now incurring a larger balance besides the fact that my home does not appraise. .I also had to hire an attorney to expedite the process. 
I have appeal various times this loan. What else could I have done to maintain my home. 
My wife now has social security income and I work full time. Please I want Chase to provide me a work out plan that i s affordable..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: SUMMIT FUNDING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called summit funding which is my mortgage lender multiple times on a double escrow base taking out of my account from two different companies. I have went through the process of showing the first company that pulled out of my escrow for home insurance that I was utilizing the one that I chose. I never authorized the first one to pull {$520.00} out of my escrow and the first place and that money has never been returned to me and now my escrow balance is in the negative period I've been dealing with this problem with summit funding since XXXX I have called them multiple times sent emails multiple times and I can not get the situation to be reviewed and my money returned to my escrow. Now my monthly mortgage bill has gone up almost {$200.00} more a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. XXXX  is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.

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 2020-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
The company, XXXX XXXX XXXX, sold a defective couch to me. While speaking with the manager he agree to take the couch back, replace it with a new one, then close the account With remaining in good standing on my credit report. However, due to covid19 the manager wasnt able to pick up the couch right away. I received a notice that  my credit score had dropped 40 points and when I called XXXX XXXX XXXX, they informed that it was a mistake. Due to lack of communication in the store, one of them associates made the decision to mark the payment as late until the store was able to pick the couch up. The fact that a damaged couch was sold to me and they didnt pick it up right away is not my fault. The manager apologized for all the trouble and said he doesnt know how to go back and fix the negative mark on my account but he did pick the couch up. Id be happy to get the store manager on a conference call so that this information is proven to be 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 explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
During covid late payments was made on XXXX car loan and reported with all three Credit Branches. 
US CODE 1681s-2 Responsibilities of furnishers of information to consumer reporting agencys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}, DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX Balance : {$91000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-02-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit Card ( Barclays ) informed us of suspicious fraudulent activity on the card via phone call in XX/XX/2020. We reviewed the statement and outlined the fraudulent charges and sent back to the Credit Card company as requested. A few months went and nothing happened, we contacted them again in XXXX we contacted them and they told us that the case was closed. We received no written notification of this or the investigation into the fraud. 

I have been a customer of Barclays for 17+ years. No incidents They also informed us that they had no record of the statement we provided with fraudulent charges identified. We saved a copy and resent it to them. Since then we have called the company several times and can not speak to them after waiting on the phone for 2+ hours. The company keeps informing us that it's our fault, their fraud department is too busy to speak with us and nothing happens. 

During this time they have charged me interest and penalties for not paying the fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation