BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: IL
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 close my account for no reason soon as I receive {$700.00} in my PayPal they close my account I tried to appeal and try to fix it but requested got denied i have to sue PayPal to make them get me my {$700.00} I cant wait 180 days I need to pay my credit card and other stuff so if me and PayPal cant to agreement I have to take PayPal small claims court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We open 2 Account at CITI bank, one for me and one for my wife. We were instructed to transfer money into each account by making 2 wires, one for each account, which we did. CITI representative agreed that they placed both wires in one account by mistake, but in order for my wife to also receive the bonus, she must receive money from another source outside of CITI. So we needed to wire the money back XXXX XXXX  and have them wired into my wife 's CITI bank ' again. I spent over 3 hours trying to wire the money back from CITI to XXXX XXXX, but their system would not work. I called CITI and after 5 tries, their help desk asked me if I could go into a branch and she would send instructions for the branch manager to help me. Next day, the branch manager, who was already aware of this called and asked me to go into his office. I did and he did all the work for me and called it a success. Then the next day I called XXXX XXXX and they had not received he wire. I called CITI bank Wire department, and was told that all that needs to be done is for them to verify me and and sent the money. He did the verification and told that the money should be in my XXXX XXXX in on hour. One hour later, two hour later 3 hours later I called and the money still was not in my XXXX account. I called CITI bank 's wire department again a different person answered and spent the next 45 minutes talking with this rep. who was unable to send the wire. I asked to speak to hid manger. After a few minutes his manager comes on the phone. I asked for his name or his I.D number first, which he refused to provide. He told me that our account is too new and that they will not do the transfer. He said that they won't even send the wire back to were it originated from.

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 2017-10-24
Company: First Data Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.

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 2021-09-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I was admitted at XXXX XXXX in XXXX, CA. I was under XXXX XXXX On XX/XX/XXXX I received a bill from the XXXX XXXX XXXX XXXX for {$1200.00}. I called them and gave them my medical ID. A few months later I received a statement and a letter saying it was going to collection. I called them again. The gentleman on the phone said that they had my XXXX XXXX XXXX to not worry about it. I received a notification yesterday that my credit report included a collection. I called the credit collection company that confirmed that it was related to XXXX XXXX XXXX XXXX. I confirmed with XXXX XXXX XXXX was covered since XX/XX/XXXX and there was no reason for them to send it to collection. Now the collection company is asking me to jump hoops to prove that i was covered when it should have never gotten this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased 2 Victoria Secret ( VS ) gift cards which were charged on my VS credit card on XX/XX/19 at XXXX XXXX Mall in XXXX XXXX, Ca, in the amount of {$150.00} each. I have done this for the past several years to give to my daughters as XXXX gifts. On XXXX XXXX XXXX my daughters decided to shop on line and found that both cards were at a XXXX  balance. I have been to the store and was told they could not help me. I called their customer relations department several times and opened a case with them for further investigation. I also filed an incident report with the local police and faxed it to VS at their request and to date I have not received a response. I had both cards in my safe until XXXX and the PIN numbers were secured. VS customer relations was able to tell me that both cards were used and at what location. If they can do this, they should be able to investigate further and determine the time of transaction and if the PIN numbers were used or if they were bypassed. Apparently this happens frequently with VS gift cards. VS needs to figure out a way to protect their customers and secure their gift cards. I will never purchase a VS gift card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: NJ
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 filed the complaint against Experian, XXXX XXXX and XXXX XXXX. However, the third company is XXXX XXXX  XXXX. As per the attached, they still have not corrected the issue and made it even worse. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any record of doing any business with this company!! I explained that to this company and they still filed a derogatory item on my credit bureau!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Because of the civid 19 pandemic my family was put in a hardship Because of our government mandated rules that has to deal with us working and being able to provide adequate support for our family... I have disputed 2 companies in XXXX  about 30 day late payments on both of my credit cards with them being capitol one and XXXX XXXX XXXX XXXX and they both denied me... I feel this is against everything we stand for a a people. My family should have the same rights to have stuff removed during a pandemic as everyone else. Pls help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I complained to you XX/XX/XXXX complaint ID XXXX, and now back to you complaining AGAIN for same issues XX/XX/XXXX. 
Merchant presented for payment on XX/XX/XXXX, ONE ( 1 ) day earlier than agreed to XX/XX/XXXX creating overdrafts fees totaling {$72.00} to my checking account and putting my checking account in jeopardy with these overdrafts. I didnt have ANY overdrafts till I subscribed to metabank/money lion. This is SECOND time to occur and its personal to derail my checking account to get DIRECT DEPOSITS FROM SSA. 
I even told them how to FIXED problem and here were are. Contacting MoneyLion is a joke and needs to be address. MoneyLion should not be allowed to do business with these deceptive practices. 
Monthly Subscription fees for line of credit/RESERVE account PLUS another fee. for loan. When requesting XXXX, asks for a tip too. I cant pay my bills on Time with this XXXX happening XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Information belongs to someone else

Complaint:
My credit report is saying I owe XXXX XXXX XXXX, and I 've never taken credit from them. For that matter, I 've only had XXXX credit card in my entire life about XXXX years ago, and that was fully paid off. 
Now, I 'm a widow with XXXX children and have been receiving XXXX benefits from the governemt, so I have paid for everything with cash, however, I 'm trying to build and establish credit, in hopes to buy a home for us one day, but I found this on my report, and do n't know who else to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TMX Finance LLC
State: FL
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:
XXXX XXXX is paid off with XXXX  balance. 
instaloam   was opened frudulent. 
XXXX and XXXX acounts were also fradulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed atleast 10 complain since XX/XX/2021 about same issue that Credit bueros reporting late payment of my one mortgage with XXXX XXXX XXXX account # XXXX .. this case is going on since XXXX and XXXX says they never reported to credit bueros and Transunion says shellpoint has reported it. 

1. I am attaching credit report here - where negative report is appearing 2. I am also attaching shelpoint letter where they mentioned they never reported. so who is lying here, either XXXX is lying or Transunion and XXXX is lying. 

If XXXX never reported negative report then who has reported and why credit bueros showing it on report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Old information reappears or never goes away

Complaint:
I have repeatedly notified equifax the information from XXXX XXXX XXXX is inaccurate. They have yet to show when the last payment on the account was made and keep changing the date to keep it on the report. I have explained I was imprisoned from XXXX until XXXX. The first time they moved the date was early XXXX when they changed the drop off date from XX/XX/XXXX to XX/XX/XXXX. In XXXX when it failed to drop off I filed another dispute and found out the date had been changed to XX/XX/XXXX. THe other 2 companies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've been using PayPal to invest in XXXX, namely XXXX and XXXX. My investments are currently around {$7000.00} in XXXX and {$3000.00} cash. On XX/XX/XXXX I added the {$3000.00} cash to my PayPal from my bank account, and my account was promptly frozen. They asked me for documentation which I provided. Days later I got an e-mail saying I am permanently blocked from using PayPal and I can not access my {$10000.00}!!!!!! Please help me, I did absolutely, positively nothing wrong and I feel that I am being scammed out of a large part of my life savings. Doing some research online I found troubling stories from thousands of other people, going through the same problem. There have even been 3 class action lawsuits against PayPal for this exact reason. It seems that PayPal does not care that they are holding people 's life savings away from them for no reason whatsoever. They need to be punished for the people they have hurt! To see the thousands of horror stories one needs only XXXX search " paypal permanently limited 180 days ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-29
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Made my monthly payment on XX/XX/2019. They change the account number without notifying me. Now rhe payment is still missing, it has been two months and the company still asking me for the payment and charging late fee charges to the account. 

First account XXXX XXXX XXXX XXXX Second account ( account number changed by the company ) XXXX XXXX XXXX XXXX My payment was credited to the first 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 monetary relief
Consumer complaint received 2022-04-04
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: Was not notified of investigation status or results

Complaint:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit report and noticed debts I was not aware of and may violate HIPAA laws. 

I have health insurance and now I have charges against me regarding a XXXX XXXX 

I've sent multiple disputes that were denied and I've never received bills prior to the attack against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: U.S. BANCORP
State: IL
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:
Fraudulent charges were made to our card and a new card is being issued. Our current card is now cancelled but the card won't arrive for 2 days. We have purchases we need to make on our credit card tomorrow but we now have no way of making them. We asked to have the new card overnighted but were told that is not an option. We also asked if we could be provided with the new card number through a secure method of communication but were also told no.

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 2019-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
With TRANUNION I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With XXXX I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Was not notified of investigation status or results

Complaint:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2021-11-11
Company: TRUIST 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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Suntrust XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/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 2017-10-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company threatened to damage my credit so I paid {$500.00} as requested for deletion BEFORE it appeared on my credit file. I paid and they STILL reported it to my credit file. They agreed to not have placed this on my credit and they sent it anyway to all 3 credit bureaus which is damaging my credit score. They lied.

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 2021-05-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw in my credit report a debt for XXXX XXXX but its not me. They didnt want to listen was rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: WA
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 got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX XXXX XXXX but I know nothing about this debt and have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.

Company response to consumer: Closed with explanation