BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
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 but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal I complied on their verification system, sending documents and all but still my account got locked with my money on it telling me that I can't touch it for 180 days. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: SYNCHRONY FINANCIAL
State: IL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-01-29
Company: Bread Financial Holdings, 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:
Comenitycapital/XXXX  is listed as a hard inquiry on my Credit Report, for which I have no knowledge of nor have I contracted with them. Comenitycapital/XXXX  has not provided any contact or account information so that is verified or validated. On my credit report simply indicates " No contact information has been reported by this creditor. '' This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. 

I have disputed this inquiry CFPB Complaint number XXXX-XXXX  on XX/XX/18 and did receive a response from Comenity Capital Bank. The response which is also attached advised " If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. '' I have followed the proper chain of command verified my information with their customer service representative to no avail. The representative advised that he would be sending me a letter in the mail, I have yet to receive. 

This is a fraudulent inquiry, I did not and do not need any business for XXXX XXXX XXXX. I have no idea who or what company this is?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per 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 2022-08-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase with my XXXX XXXX credit card from XXXX XXXX which I received XX/XX/22. Upon receipt I tried it on and it was too large. I immediately returned it and it was received back to XXXX XXXX on XX/XX/22. I wrote on the receipt to return back to original payment method which was my XXXX XXXX Credit Card. Instead of issuing a credit they said they would issue a Gift Card. I told them I did not want a gift card and to refund my original payment method. They assured me that is what they did they cancelled the gift card and issued a refund. That has never happened. I have called XXXX times since XX/XX/XXXX to see why my refund has not been issued and I keep being told to give it a little more time to process. I still have not received my refund to my original payment method. These calls have taken place between Woman Within, XXXX XXXX and Comenity Bank customer support. They deducted my payment for the item so far {$29.00}. The rest to be deducted this month. I have also reported this to the XXXX XXXX XXXX. They informed the XXXX XXXX XXXX that it has been taken care of which it has not!!!!!! I want them to refund the {$39.00} for the item purchased and issue me a check in that amount. Cancel this credit card because I never want to deal with these people or this company again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: FC HoldCo LLC
State: IL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-07-24
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As I am not admitting to this dept, this was added to credit report in XXXX of 2020. 

I have not done any transactions with XXXX XXXX  - ( MIDWEST RECOVERY ) AT ANYTIME IN OVER TEN YEARS. 

THIS IS ANY EXAMPLE OF OF RE AGING A DEPT, LONG AFTER STATUE OF LIMITATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
HSBC Beneficial offered to enroll me in their " Skip a Payment '' program for the month of XXXX 2008. I accepted and asked multiple times in person in the XXXX, Virginia office if I needed to make a payment. They told me no. I asked them again if my account was still okay when I went into the same office and inquired about refinancing my home loan through them. They said it was still in good standing. I declined their offer for refinancing my house when they said it was going to have a XXXX percent interest rate. I also asked them if it would alright for me to make both my XX/XX/XXXX payment, which was n't due at the time, and XX/XX/XXXX payment two weeks later. Again, they told me that it would be fine and that my account was still in good standing. Two weeks later, I get a letter from HSBC Beneficial and XXXX XXXX XXXX instructing me to not go into the office and that my account had been turned over to collections. I originally thought this was in retaliation for declining their home refinance offer. It was n't until 3 years later of dealing with XXXX XXXX XXXX that I found out HSBC had charged me for the month of XXXX 2008 and treated it as a non payment. This also coincided with the company I worked for, XXXX XXXX, entering the final month of liquidation thus negating the " account protection '' for which I had been paying for years. XXXX XXXX 's closing was made very public and it seems convenient for HSBC to put my account in collections the same month. Apparently, the account had changed from the XXXX, Virginia office to the XXXX, Virginia office in XXXX of 2008. Again I did n't find this out until many months after discussing options with their collections agents XXXX XXXX XXXX. They told me in person that my account was in good standing and still sent it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am being overcharged in my escrow account for almost 5 months now. I have tried about 100 times ( no exaggeration ) to get in touch with the customer service, the loan department, anyone at all, and I can never get through to speak to a live person. Their phone systems simply bring you into a never-ending automated loop, not allowing you to ever speak to a human being. I have sent in requests for calls back and assistance and have only received automated email responsed. 

I am fearful that I can not go on much longer paying the extra money ( that I shouldn't have to ) and will end up missing payments and possibly going into foreclosure. 

My statements show my escrow payout going up nearly {$200.00} in XXXX, which is impossible. 

I need help please, I am a United States XXXX XXXX Veteran and a first-time home buyer. 

I am at a complete loss here in how to handle this. 

Please help me. 

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 2021-03-29
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted several times disputed this debt with this company who has charged all 3 of my credit reports with false information. They have shown no proof of the charges made an have made no attempts to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had an American Express Every Day card since XX/XX/XXXX and my original credit limit was {$4000.00}. In XX/XX/XXXX, my credit line was increased to {$8000.00} and my income in XXXX was {$38000.00}. On XXXX XXXX I made a large purchase in the amount of {$2000.00}. I used a special promotion that allowed me to spread that transaction over 18 months with no interest and no fees. The promotion was available through XX/XX/XXXX. After that transaction I had over {$5000.00} in available credit. On XXXX XXXX I attempted to charge an addition amount of {$2000.00} and the transaction was declined. I checked my mobile account immediately and it showed over {$5000.00} in available credit. The card was declined a second time. This time, when I checked my account it showed {$430.00} in available credit. I was told that my account had been reviewed and that my credit profile and income no longer supported my credit limit and my limit had been lowered to {$3200.00}. My current income is {$45000.00}. On XX/XX/XXXX American Express sent me a letter saying that, based on my recent payments ; my credit limit has been restored to {$8000.00}. American Express did this because they did not want me to have use the special promotion with no fees or interest for the second transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: OK
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:
**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2021-03-29
Company: Exeter Finance Corp.
State: IL
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, 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:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This correspondence is in reference to complaint # XXXX. Security Collection Agency has defaulted by not rebutting my affidavit with an affidavit however I am giving them an opportunity to cure by granting my demands from my initial complaint which is to XXXX the balance on this account, immediately delete it from all consumer reports and pay the invoice for violating my consumer rights under 15 USC 1692. ( previous complaint attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report I noticed there were some late payment showing and due to the pandemic/hardship I was not able to make those payments ontime. The following accounts are listed that show late payments for 2020 : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have reached out numerous of times about inaccurate reporting on my consumer report. As a consumer, CapitalOne has been given me such a hard time removing late payments that were placed on my account. When I spoke to a representative, they told me that they were willing to work with me, but never did anything. Under 15 USC 1666b as a consumer, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because this was not done, this is a violation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EdFinancial Services
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:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I overpaid on my credit card. For weeks I have been told that BoA will reimburse me.But it has not happened. 
Today a XXXX XXXX contacted me and she was the queen of bureaucrats and had no answers.

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 2018-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a certified letter for a cease and desist in XX/XX/2018. The company receive the certified letter and the calls continued to come to my home and cell phone. I filed a complaint on this site. I received a response back that I am not the person they are looking for and my home phone was removed. The calls continue to come in on my home and cell phone. I have never disclosed my cell phone nor do I allow calls on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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:
Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are Wakefield & Associates and 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 2021-03-29
Company: Experian Information Solutions Inc.
State: CO
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 have filed disputes via US Mail with the bureaus on 3 different occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Not once in those 3 dispute cycles, did any of the bureaus reach out to me to even acknowledge what I was requesting them do. Because of this, I filed a complaint against them on XX/XX/XXXX ; where 2 bureaus did respond and say it was of factual record yet they still haven't mailed me a response which is required by law, so they are still not doing as they are legally obligated to do! Also, until they can provide a signed application from me, there is no " factual record '' of these inquiries. There are no open accounts on my personal credit report as a result of these nor are there signed applications.

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 2018-04-02
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of 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