BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I put my shoes on XXXX XXXX, and sold it to " XXXX XXXX '' ( XXXX name ) through Venmo for {$380.00}. After I got the {$380.00} in Venmo, I transferred it to my bank account, and it usually takes few days. However, after a month, I still didn't see that {$380.00} transfer to my bank. So I contacted Venmo, and they told me that person has disputed his payment which is {$380.00}. So I tried to contact " XXXX XXXX '' on XXXX but found out he blocked me. I didn't know Venmo allows people to dispute their payment through the bank for no reason. The guy who disputed the payment, his Venmo ID is " XXXX ''. Venmo have created a case for it, and the case number is # XXXX. However the Venmo agent, XXXX, told me that they will do nothing about it. Not even contact the bank for the fraud disputed. I went to the police department to file a report. The report number is XXXX, and the phone number of the police department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Information belongs to someone else

Complaint:
I am Writing to you to express my deep concerns over the fraudulent accounts on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need these fraudulent accounts to be remove within XXXX days of receipt. 
Accounts below : 1. XXXX XXXX XXXX.. 
XXXX. XXXXXXXX XXXX XXXXXXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Reporting company used your report improperly

Complaint:
Hello, XXXX XXXX has reported 8 late payments on my account. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-07-02
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

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 2020-10-26
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a bed from XXXX on XX/XX/2020 I bought it on lease from Acima I Paid XXXX that day and took on a lease. On XX/XX/XXXX I returned the product to XXXX. I no longer have the property. Despite the property being returned they charged me again on XX/XX/2020 XXXX and are trying to get more money from me despite me returning the product and threatening late fees. I am no longer responsible for this and need a refund and for them to leave me alone. So I paid XXXX for something I do not have. And they are trying to make me jump through hoops and pay for things I already returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, 2016 I separated from my now ex husband. On XX/XX/2016, my ex husband was ordered by court to pay the XXXX XXXX mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. XXXX XXXX has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by XXXX XXXX. 

I want my credit cleared of the negative marks as this has nothing to do with me.

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 2020-10-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been contacting Equifax since XXXX of this year 2020 to update my information. I have faxed, called 8 times, only to be told 8 different stories about why I cant personally see my account along with why my account has not been updated since XXXX of this year 2020. They tell me they will do an investigation and get back with me but no one has gotten back with me or fixed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had five accounts with Synchrony Bank and in the end of XXXX Synchrony Bank unexpectedly and suddenly closed them. They stated their reason was Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 

This reason is a lie. The activity on my accounts was perfectly normal as was activity on every account Inhave or have ever had. Later, Synchrony Bank lied again and stated it was because I had too much credit with them. Were that true, they would have reduced my limits or only closed some of my accounts. 

The FCRA and ECOA requires a specific and valid reason why adverse action is taken. It is common knowledge that Synchrony Bank is suffering financial distress and is currently in a campaign closing tens of thousands of perfectly maintained accounts with often bogus, incoherent reasons and failing to comply with the ECOA and FCRA. It's likely they are either redlining or taking age into account when closing accounts.

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 2022-10-03
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020

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 2022-02-02
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
In XX/XX/2021 i asked for info on a late payment witch i clamed was never late. after finishing my tearms with them it was closed but a late payment is on my consumer reports hurting me from getting credit.in valation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: PNC Bank N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I authorized PNC bank, custodian of my Health Savings Account, to pull {$3000.00} from checking account at XXXX XXXXXXXX XXXX. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my XXXX account. On XX/XX/2020 I received an Email from PNC bank stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called XXXX XXXX. On XXXX they provided me with the ACH transaction number which I then provided to PNC shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with PNC about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from PNC. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get PNC and XXXX XXXX to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: Convergent Resources, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An account on my credit report is reporting a collection that is inaccurate. The collection company is trying to report the collection as being newer than it really is. I Received a response from my dispute letter on XX/XX/XXXX from the collection company in which they validated the debt as accurate. Then I tried disputing this with the credit reporting agency XXXX three times. Letters sent certified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have not sent a response at all.

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 2020-04-27
Company: CHECK INTO CASH INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a title loan. During Georgias stay at home order, the company reduced days of opening to knit 3 days. They then refused to come up with alternate payment that would be safer during the COVID. The only way you can make a payment is with cash and in the store. I explained repeatedly that I had a daughter with a XXXX XXXX and I did not want her subjected to the virus and would not touch money or come in their store. I offered to pay with debit over the phone which they refused. Now they want me to refinance and sign a new contract with daily late fees which I refuse to do. I want to pay this loan off which I have paid off three times over at this point. These companies pray on people and steal from them. It is legal theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Wednesday XX/XX/XXXX at XXXX, {XXXX} was sent from XXXX through Venmo to what we believed was a legitimate person/ company XXXX Person : XXXX XXXX XXXX  ). 

The person was to send items to me in exchange but as it turned out he was a fraud and never sent any items. In an effort to get the money back neither Venmo or XXXX have helped resolve the issue or even give us more info of the recipient to we can file a civil matter. 

The regulations seem very inadequate for services such as Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: MoneyLion Inc.
State: NJ
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  XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Moneylion Inc XXXX XXXX, XXXX XX/XX/XXXX I have contacted this company multiple times with regards to this fraudulent account Moneylion Inc - XXXX, XXXX XX/XX/XXXX I contacted this company and was told no information with regards to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Went to pay my bill XX/XX/2020 on the app approx 17 days early. The app said I needed to log into the website. I log into the website, and it states my account is closed. Had no clue why. I called synchrony in regards to my XXXX XXXX card. The guy that answered sounded like he was on a cell phone. I could not understand him. Called back again, gave my info and asked why my account was closed, he states he needs to transfer me to an account specialist. He didnt and transferred me right back to the beginning to start all over. I call back again, ask the person why is my account closed, I paid my bills every month, never been late for over 9 years. He said well I dont know how to put this, but your credit profile and that Im getting a letter in the mail. My credit score dropped a bunch of points because of them closing my account when I have 100 % payments on the account and my credit report. I didnt not ask for covid assistance or anything so to just close my account because its risky is not right and to damage peoples 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 2020-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}

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 2019-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An amount of {$270.00} is on hold from a mobile deposit made on XX/XX/XXXX in the amount of {$500.00}, which is a printed check from a company, XXXX XXXX, check issued from XXXX  XXXX XXXX. I called twice today to request hold removed, funds made available sooner than date of XX/XX/XXXX, estimated date of availability. The first rep spoken with stated they were unable to collect funds from issuing bank, which is bogus ... I confirmed with XXXX XXXX, the payer, the funds are available. It appears Wells Fargo is delaying availability of funds in order to obtain overdraft fees for items which may be presented before funds available. I have provided this information to attorneys investigating institutions, including Wells Fargo, for their charging of overdraft fees as well as NSF fees. Further, I was charged a monthly maintenance fee recently which is also bogus, it appears Wells Fargo does not offer any account which does not charge a maintenance fee. I requested this fee waived, was denied, citing a prior waiver of an overdraft fee which is unrelated.

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