BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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:
I checked my 3 credit bureaus ( XXXX, Experian, XXXX ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: NE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I noticed a $ XXXXcharge to my PayPal Business Credit Card . I called PayPal and was never given an opportunity to speak to anyone. I tried to make a claim on the website through the resolution center but since it was still pending the website would not let me make the claim. I finally got into a Chat-on-line and explained to the agent that this was an unauthorized charge, I think my card number has been stolen. They said since it was pending the merchant hasnt captured the payment. I asked if the card number was stolen and they said No. I again expressed concern that this wasnt right and they gave me instructions on how to claim on the website, which I said I already tried and it wont let me. I was told to wait for the pending status to change. So clarify Im told to wait to find out if my credit card number has been stolen, that is PayPals recommendation. 
On XX/XX/XXXX I get a new unauthorized charge. This time to XXXX for {$230.00}. Again, I cant dispute the charge because its still pending however this charge did completely wipe out {$140.00} dollars, I had in my PayPal account. 
This time I was just canceled my card on-line. 
Had PayPal closed the account, or stopped payment on XX/XX/XXXX with the {$0.00} charge, like I had requested the second charge of {$230.00} would not have been able to go through and my money would be accessible to me. 
PayPal was negligent in not taking my concern seriously the first time and has led to more unauthorized charges and inconvenience to me because I dont have access to my money that was in PayPal especially over a holiday weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One Capital One card with a 12 year Credit History, another Capital One Card with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). XXXX  has been non-compliant and didnt complete the dispute in 30 days. I further remind XXXX as in XXXX v. TransUnion Corp., No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

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 2019-02-28
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX prepaid card, you filling dispute and then realizing next day I will was wrong calling to withdraw my dispute I was told by Disputes Dept Rep and Supervisor it indeed was cancelled and my card would remain active. This was in XX/XX/19 On XX/XX/19 called customer Services at XXXX XXXX I wanted to know why my card and account was blocked and my XXXX benefits were for on this day to unblock the card. Find out they never cancelled the dispute as I asked, their the account was suspended and that I would have no access to funds until I received a new card. Explaining to them all if this was to be taken care of 1st time  in XX/XX/XXXX, I kept hearing from them they can't do nothing. Then after being persistent I was allowed to only withdraw XXXX as courtesy. But yet I was charged XXXX ATM fees, and they won't expite my new card unless I pay XXXX and they won't keep my original card open as I was told would happen several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: AG AH LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to cancel my PMI for several months. My home has appreciated to the point where my LTV is now near or above 78 % requirement. I am willing to pay for appraisal. I've called customer service twice and been given a contact email address : XXXX which is an invalid address! I've used the " contact us '' form on the website and I've sent physical letter and received no response! Let me reappraise my home and cancel the PMI please. 

Archome loans, WEI mortgage, XXXX Archome loans ... all the same company as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CITIBANK, N.A.
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 am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Cbna Inquiry date : XXXX2018 XX/XX/XXXX2018 XXXX2018

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 2020-09-06
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi there my name is XXXX XXXX XXXX made a credit card payment of {$50.00} a couple of days ago. My payment date is XX/XX/2020. A few minutes ago I logged in to make another {$25.00} payment. It won't let me make another payment until XX/XX/XXXX. 

The two screenshots show the bank says my payment is due on XX/XX/XXXX but the next available payment date is XX/XX/2020 I am complaining about this because I am also having an issue with my ATM card at XXXX XXXX XXXX. It's an entirely new complaint completely separate. I had just complimented fortiva for surprising me with a credit increase before I made my monthly payment. If I can't get to the bank to get cash I can't put gas in my car and I can't work. It was very helpful. Unfortunately I am uncomfortable and needed to make another {$25.00} payment for security I have no idea when I'm going to be able to correct XXXX XXXX XXXX The bank 's name is fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has 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 and account without my written instructions

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 2019-03-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can never log into my account first off second thing is the credit limit was lowered by {$150.00} from {$1000.00} to {$850.00} therefore my payment was and is only paying interest and making my credit look bad as if I over charged my card. I was never notified of said credit decrease. This should be absolutely illegal as it hurt my credit by 10 points and up. My credit reports are showing late payments the late payments are due to XXXX site not letting me log in and from experience I do not pay by phone as I am always charged a fee. What kind of banking institution decreases a credit limit to make the person with credit look like they are a HIGH risk person to give credit to? I'm looking into my legal options with my local court next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) 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 2019-03-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I asked Wells Fargo for the balance of my debt in XXXX. They have not provided such. I asked Wells Fargo to provide documentation that my previous loan holder, XXXX XXXX turned my account over to them. They have not provided such. They also gave me a false interest statement for my taxes. I pay {$160.00} per month, so my interest should be more than {$190.00}. I make payments every month. They are being malicious. They ask where I work, even though I pay every month.

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 2019-02-28
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
my account with XXXX XXXX XXXX kept showing disputed amounts that I called back in XX/XX/XXXX. I told them that these amounts were being disputed. time flew by and I never received any credits for this amount they eventually closed my account and still till this day I do not see those credits. XX/XX/XXXX {$7.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$7.00} ; XXXX XXXX {$7.00} and XX/XX/XXXX, {$10.00} ; and XX/XX/XXXX, {$7.00} and XX/XX/XXXX, {$10.00} XX/XX/XXXX {$10.00} and XX/XX/XXXX {$7.00}, XXXX XXXX {$10.00} & {$7.00} I called several times and somehow they don't understand my concerns maybe you can help resolve this. please

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 2018-02-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan paid off through auction but total loan amount is still reporting negatively which has prevented me in getting a new car loan? 

This is what its currently reporting but the entire loan has been paid off? 

You've paid off 26 % of the original amount. 
Balance {$20000.00} Highest Balance {$27000.00} Monthly payment {$670.00} Opened XX/XX/XXXX ( 4 yrs, 6 mos ) Term 74 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Automobile Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my 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 2018-02-05
Company: Experian Information Solutions Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.

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 2019-03-07
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Chase Bank Usa, N.A Inquiry date : 1. XX/XX/2018 2. XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos )  RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I went to go to netspend.com and search for a netspend debit card and i went to enter my information like first name, last name, my address, zip code, and my email address and it said we are unable to complete your request at this time and it won't let me go in to enter the next step to do what i had to do what i post to do in the second next step.

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 2020-11-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my 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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I was approved for the American Express XXXX XXXX  card on XX/XX/XXXX. The sign up offer was XXXX XXXX  points if you spent {$3000.00} within 3 months. The {$3000.00} spending requirement was met as evidenced on my XX/XX/XXXX statement. I have yet to receive the XXXX XXXX points. I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The responses have all been similar - someone is reviewing the account, please check back in " x '' weeks. 
It has now been close to 6 months since I have met the minimum spending requirement and have yet to receive the sign up bonus or any explanation as to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is being submitted on behalf of the borrower 's advocate. 

Borrower defaulted on her mortgage payment on XXXX 2017. She requested an application for mortgage assistance in XXXX 2017. Servicer agreed to send her the application, but she still has n't received it. She has been calling them for an update and is on hold for over 20 minutes or the calls are disconnected.

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