BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A payment was sent to my PayPal account on XX/XX/2019. As of XX/XX/2019, the transaction does not appear on my account. Customer support initially said it would post in 30 minutes on the afternoon of XX/XX/2019. When they didnt happen, customer support said it would post the morning of XX/XX/2019. Nothing has been posted, although PayPal immediately withdrew the funds from the payers account. This is the third time I have dealt with this type of issue with PayPal. They take at least 3 business days to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This complaint is about Equifax credit reporting company. I have asked them repeatedly to remove the loans which were originally done over 8 years ago. XXXX XXXX XXXX XXXX then sold them to XXXX XXXX XXXX. We reported this unlawful transaction to XXXX and XXXX credit reporting companies and they have removed them in a timely manor. Equifax has continued to drag their feet by refusing to remove them after repeated CFPB complaints to them. they still appear on page 5 of my 26 page credit report dated XXXX-17. These 3 negative reports from Equifax is causing me not to qualify for Refi loan at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Webster bank account with a promotional code XXXX {$350.00}. Based on a discussion with a banker on XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, CT XXXX location I was told that if I meet the requirement of having a direct deposit of {$500.00} or more by XXXX/XXXX/2017, I will get the {$350.00}. However, when I contacted Webster bank online to inquire about the status of the bonus I was told I am not eligible because I did not meet the minimum opening deposit of {$500.00}. This requirement was not relayed to me by the banker during my XXXX XXXX meeting, nor it is explicitly stated in the terms of the promotion. If this type of account does require this amount of opening deposit as Webster representative claims, I should not have been allowed to open it in the first place with a lesser amount. I did fulfill all the other terms of the promotion, i.e. over {$500.00} in payroll direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Sectuib 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 Dept of EdXXXX {$18000.00} XXXX Dept of Ed/XXXX {$2900.00} XXXX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: AZ
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 filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX p XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I would like to dispute the case that Chase considered as " resolved. '' I have reported to Chase that there was a quickpay transaction on my checking account that I did not authorize and they refuse to help me get my money back. Chase has done nothing but make my life miserable regarding this and they keep blaming me for making the transaction. I dont know this this XXXX XXXX XXXX is and I made no such payment to her on Quickpay!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/XXXX I received an attractive offer for a CHASE XXXX XXXX credit card. I applied for the card, but CHASE rejected my application. The rejection letter, dated XX/XX/XXXX, stated Too many credit cards opened in the last two years associated with you. I wrote CHASE and asked two straightforward questions : -WHAT IS, BY CHASE REGULATIONS, THE ALLOWED NUMBER OF CREDIT CARD ACCOUNTS THAT I CAN OPEN IN TOO YEARS?

-WHAT IS, ACCORDING TO YOUR INFORMATION, THE NUMBER OF CREDIT CARD ACCOUNTS OPENED BY ME IN THE LAST TWO YEARS?

I need this information to know when I can apply for another card, and check the data used by CHASE to make the rejection decision. CHASE refused to answer my questions and rejected again my application, although I have an excellent XXXX  credit score of XXXX  ( the credit score range is 300 850 ). I complained to CFPB, on XX/XX/XXXX, complaint number XXXX-XXXX. Instead of answering my questions CHASE resubmitted the previous rejection letters. 
In this complain I want to provide additional details to my case. I have a CHASE Freedom credit card, since XXXX. CHASE asked me to advertise their credit cards to friends. I did that, and received XXXX XXXX bonus points, in XX/XX/XXXX. Please see the attached credit card statement. In other words, CHASE trusts me, and offers a credit card to a friend of mine, but refuses to issue a credit card to me! This is absurd, and it proves CHASE denies cards to avoid honoring the bonuses. 
Please note, in XX/XX/XXXX CHASE rejected my application for a XXXX XXXX credit card under the same pretext. This proves a pattern of misbehavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Transunion, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report XXXX 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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX reports my middle initial as XX/XX/XXXXwhich is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

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 2019-04-10
Company: EQUIFAX, INC.
State: TX
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:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was not properly informed of how their daily apr. Charge works and how it can affect me Santander USA and the XXXX car dealer gave me a loan of XXXX XXXX for a car that cost XXXX when my income was only XXXX a year I want to see the original contract and credit check documents they provided to get me qualified for this loan I've been paying for over 2 years {$660.00} and yet still owe them {$26000.00} how is this possible it's a disgrace to our country this has to stop .I want to see all original documents of initial loan process that shows my income and salary for which i qualified for a loan of this stature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX while attempting to purchase multiple orders of food for a business summit, I found my card suddenly began denying all charges. Upon calling Synchrony Bank at XXXX, provided on the Synchrony Bank website. The first agent I spoke with said they needed to verify some information, text me a code and we should be good to go. The call concluded by the agent telling me my card was ready to be used. 

I attempted to use the card again to make the purchases and again was denied. I called back in and spoke to a 2nd agent, XXXX ( female ) and the tone changed significantly. She advised me that she needed to transfer me to another agent to solve the issue. Upon transfer, the 3rd agent informed me that I needed to take a picture of myself and then my license via a website to unlock my account. When asked why, he failed to provide any adequate explanation and didn't seem to care at all about the hassle or poor customer service. 

To date, my card is still locked and I can not unlock it. This process established by Synchrony Bank is abhorrent, disrespectful and not in alignment with strong customer service. Furthermore, I have no idea who in the business will be getting a picture of me and my license but I have a serious problem with sending this to a company without any knowledge of how my data will be used. 

Synchrony is currently acting in an unprofessional, insecure and potentially damaging way and by doing so is currently holding my card in a locked state and refusing to unlock it until I provide this information, even though I validated all other information and codes with the first two agents. 

I do not condone the use of coercion but apparently Synchrony bank feels it is appropriate to do so. This is a disgusting business practice that has completely broken all trust that I have with them. While I do appreciate a business looking out for their customers in terms of preventing fraud, I absolutely and vehemently do not agree with the process established here and refuse to provide my PII through an app with no assurances of where it will go and the security protocols employed.

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 2017-12-06
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt should n't even be on my credit report. I 've only ever used XXXX XXXX XXXX or XXXX ; My previous girlfriend may have opened this account fraudulently in my name. I want this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
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:
As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am 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 2020-02-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. XXXX, XXXX  and Experian has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea

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 2017-12-01
Company: ARS National Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid for the purchase and balance of {$15.00} in XXXX XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency ARS. 

I have faxed to XXXX 's on XXXX XXXX, XXXX and emailed to ARS on XXXX/XXXX/XXXX but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As of XXXX XXXX I check my credit report with Transunion, XXXX and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on Transunion, and 13 hard inquiries on XXXX and 4 on XXXX. 

I have been disputing with XXXX, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, 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 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Date last Active XXXX   XX/XX/XXXX XXXX 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 2018-12-09
Company: First Technology Federal Credit Union
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established. 

The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up. 

Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable. 

Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore. 

It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation