BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I tried to submit a dispute with Transunion online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and XXXX. This same collection was removed once before on my Transunion on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.

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 2021-04-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I wanted to book a hotel and pay with Paypal. I used an online Master Card gift card saved in my Paypal account to book the hotel. The transaction proceeds as normal and I get an email confirmation about my purchase.

I later find out that the Master Card gift card I authorized to pay for the purchase was not used and instead Paypal charged a Visa card I had saved to the account in the past.

This is a deceptive practice on Paypal 's part. At no point did they email or state on the website during the transaction that my Visa card was going to be charged because the Master Card was not charged. Had I known they weren't able to charge the Master Card then I would have used a different card to complete the transaction and not the Visa card on file.

After I saw my Master Card was not charged I called Paypal and the message I got stated they were unable to book my trip. I then booked a different hotel on a different website because I did not have a hotel reservation.

Paypal has my money for a trip they said they were unable to book and that I never used. Paypal 's unauthorized use of my Visa card has caused me to incur an overdraft fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.

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 2023-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message saying there was fraud detected on my account. I replied with " no '' basically saying it was fraud that I didn't try to make that transaction. Then I received a call from what was a spoofed number. It was the customer service number on the back of my chase card. They knew my name, and were able to send me one time pass codes whenever I asked for proof. So I followed the steps they told me. They told me to attempt to send a wire transfer of {$7900.00}, and that it would fail. It was just to confirm that my accounts had been blocked. It went through, by the time I was able to call my actual bank. ( Jp Morgan ) they said it had processed already. They're attempting a recall, but they don't think I'll be able to get my funds back. I think its enough proof that I put the memo of the transfer as " refund '' or so to show that I believed I'd be getting my money back. They asked for basically similar questions as the bank for the verification process. Such as account number, date of birth, adress, last 4 of social, etc. This happened on XX/XX/2023. I also called my bank on XX/XX/2023. The bank it was sent to was called XXXX XXXX. It said the adress was in Florida, and that the money was being sent to a XXXX XXXX. The caller said I needed to put it under that name to basically make it easier to track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE TWO CLOSED ACCOUNTS TAHT ARE NOT MINE AND SHOLUD HAVE BEEN DELETED, EQUIFAX SENT ME DOCUMENTATION STATING THAT THEY DELETED THE INFORMATION, HOWEVER IT IS STILL SHOWING ON MY CREDIT REPORT. 
I NEED THE TWO ACCOUNTS DELETED FROM MY CREDIT REPORT/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Resurgent Capital Services L.P.
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 sent a letter requesting validation of debt to include a contract signed by me and proof that the debt is in fact mine and that this company is permitted by law to collect this debt. The only items sent to me by this creditor is an account summary report with the original creditor being a company I DO NOT recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A member of my household received a letter from a debt collector, identified as Afni. The letter stated that {$1100.00} was owed to XXXX XXXX XXXX XXXX no address, and no date on letter ). Afni offered to settle the debt for {$600.00}, along with standard jargon about responding in 30 days. The letter was addressed to our residence, but the name of the member was misspelled. There are two key problems. 1 ) A person of that spelling does not live in this household. 2 ) The person whose name is similar to that name has never had an account with XXXX XXXX XXXX. An Internet search of similar issues suggests that this company has a history of attempting to collect debt on false accounts. There exists the possibility that someone may have opened an account in this false name, but there is no way for us to verify that possibility. Several websites suggested that calling Afni was ill-advised. Our household sent a written letter of dispute to Afni within 30 days of receiving the initial letter. Afni responded with a follow-up letter, stating that the account is verified, but offered no further evidence of when and how this debt may have accumulated. They again listed XXXX XXXX XXXX, but this time included an address of XXXX. XXXX XXXX, XXXX, TX, XXXX. An Internet search of this address revealed a XX/XX/XXXX entry for a company called XXXXXX/XX/XXXX Theft of Identity. This provides further evidence that this debt is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Expected {$15.00} to be on the card for an item that was returned and refunded in XX/XX/2019. Was told that that amount was refunded to my credit card instead of the gift card. That was not true. The gift card currently has a XXXX  balance and Macy 's won't tell me the truth about where it went.

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 2023-03-02
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:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX Account Name : XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
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 the credit bureaus do not validate these items, I will take legal action against them. 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 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 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 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 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 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 explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, 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:
I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: AMERIFIRST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, On XX/XX/2021 my fiance, XXXX XXXX, and I bought our first house through Amerifirst Bank with a lender named XXXX XXXX XXXX. If due diligence was done the house would have never passed the safety standards of a FHA loan. One-third of the house was illegally built. That section of the house is so fragile that a structural engineer informed us that the master bedroom, bathroom, and closet could collapse during a storm. We have had to replace every major system in the house, including the entire drainage lines leading to the city, the the supply lines, the electrical, and we had to repair the HVAC. Parts of the roof are unstable as well. It also had mold. I later on got XXXX XXXX. This house is more then a money pit, it is a safety liability. As a seasoned lender he should have reviewed the documents and denied the loan on the house. He also didn't review county images which show that the addition does not exist in any official record and was built without permits or due diligence. I attached a document with the time line of events and the list of repairs that have to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am continuously receiving calls from a debt collect after setting up a payment plan. When I answer the phone call no one says anything and hangs up. This debt is owed to a company thats out of business. Theres valid proof that I owe this debt. I am paying because none of the agents would assist me. I get three phone calls a day with no introduction of who this caller is.

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 2019-02-21
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I received the below email from BBVA on XX/XX/XXXX : " This might be the easiest {$25.00} you'll ever earn. 
We noticed that you haven't taken advantage of your BBVA Compass checking account of late. Which is a shame because it has great features that can make your financial life easier to manage. You can access your account now with our award-winning Mobile App, online, or by visiting a branch near you. 

Simply bring your checking balance to {$100.00} by XX/XX/XXXX, and, if you still have {$100.00} in your account on XX/XX/XXXX, we'll deposit {$25.00} in your account within 90 days. '' I raised my checking account with them to {$100.00} on XX/XX/XXXX. 

I reached out to them today and they said I do no qualify " REPLY : Dear XXXX XXXX, Thank you for contacting BBVA Compass regarding the status of your Promotional Bonus. 
We would first like to thank you for choosing us as your bank, as we do value your continuing patronage. 
Upon reviewing your account ending in XXXX, we have verified that you do not qualify for the {$25.00} Increase DDA Balance Offer. This is due to you having a Promotional Bonus deposit into your account within the last 12 months of receiving this Offer. Your last Bonus was deposited on XX/XX/XXXX for {$200.00}. As a result, no Promotional Bonus will be provided at this time. '' The rules of the offer at below of the email. 

" There is a maximum of one ( 1 ) bonus per household. This offer is not combinable with any other bonus offer. You must be a BBVA Compass consumer checking primary account holder who received this communication by ( email/mail ) from BBVA Compass. To qualify you can not have received a cash bonus in the past 12 months. The {$25.00} bonus will be deposited to the primary account holder 's checking account within 90 days of meeting the bonus requirements. Account must be open and in good standing with a balance of {$0.00} or more at the time of bonus payment in order to receive the bonus. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' Per their response my cash bonus for opening the account was provided on XX/XX/XXXX and was targeted per email for this offer and the eligible payout was XX/XX/XXXX which is over 12 months from last bonus date. BBVA should not target people not eligible for bonuses even if doing all of the requirements. 

I've held funds in the account just to satisfy these requirements with BBVA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: CITIBANK, N.A.
State: UT
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 had a credit limit of {$3000.00} for years, citi increased to {$4500.00}, with out my know how, so as I see my bill due for $ 500ish dollars, and I'm thinking what is going on, I'm realizing they increased my credit, and billed me {$1500.00} in that process, citi is truly seeming like a huge scam, I'm about done with them : /.

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 2023-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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