BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XX/XX/2023 I used my venmo card when I checked in at pechanga hotel for the {$100.00} deposit for incidental. That {$100.00}, can also be use towards in room charges. I checked out on the XXXX, and per pechanga hotel, they released the hold on the same day and sent venmo the final bill which is only for {$32.00}. Where that should have been processed and posted by venmo on the XXXX and release the rest of my funds as well. However that's not the case. Up to now they still haven't processed the {$32.00}, in which one of their customer service verified that they're already showing it ad being received on their end, but she doesn't know why it hasn't been processed and my funds are still on hold. So she transferred me to another debt. The lady I spoke with told me that it can take up to 12 days for them to process that and the funds won't be released until its processed. I asked her, even they already received the final bill? It takes that long? That's a no brainer. I Told her that it is a scam, that we all know that it would only take one business day to process the transaction. Or at least that's the usual banking standard time frame. And I won't take that long. I mean, yes, I get it that it can take. Thirty days for them to hold on the funds if there's no final bill from the company that sent the authorization. However, my case is different since the company have sent them the actual bill of the final bill. And yet they're still holding on my funds. This is not fair for the consumers. Are they paying us interest for the time being they have our money? No. I think these company such as venmo should have a reasonable time framed aligned with most financial institutions in this country so that they won't abuse their customers and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian refused to correct my credit report, and refused to remove 90 Delinquent mark from XXXX XXXX card. 

XXXX XXXX had card charged 120 for executive renewal membership, without my knowledge. I didnt know about it, no clue until I received call informing I was 90 days delinquent. I immediately paid it, at this time. Hurt my credit score, but I didnt know. NOT Fair.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-04-29
Company: Continental Finance Company, LLC
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: Problem with personal statement of dispute

Complaint:
My complaint is about Continental Finance Corporate Office/XXXX XXXX XXXX XXXX, XXXX XXXX, MO I made my timely regular payments and established stable payment history, without delays. Last year, I have been affected by COVID-19, pandemic. During that period of time I notified as a credit cardholder of my financial hardship and unemployment.and requested the bank a forbearance and flexibility for the repayment. However, all my requests remained ignored and the bank avoided response. They never responded to my letters and inquiries, rotated in an endless runaround. This deception, fraud and unfair practices adversely affected my credit card account and imacted my credit score, resulting in a delinquent status and being charged off. My credit card # is:XXXX XXXX XXXX XXXX with the Continental Finance. Please assist me to overcome this consumer fraud as a victim since this bank is not willing to respond to my letters and repeatedly refused to address my concerns or resolve my account related negative reporting problem. I will also contact the Treasury Department and Attorney General in addition to my speech on XXXX and through the social media. I am an innocent victim of circumstances and consumer fraud.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-15
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 I called Chase to close all three of my credit card accounts. The balance was already XXXX on two of the accounts. On XX/XX/XXXX, I made the payment of XXXX to close the third account. I called Chase to process the payment of XXXX for the third account and request Chase close all three of the accounts. The Chase operator spent significant time talking me out of closing the accounts, with a specific focus on keeping the one which I was making the final payment on open. I was clear and stated that I wanted all three of the accounts closed and ensured that the XXXX would close all the counts. After much conversation back and forth Chase verbally agreed and confirmed closing the accounts. Chase also confirmed that the account was closed and that there were no additional fees or interest charges to the account. 

On XX/XX/2019 I received a late notice for the Chase account which I had made the XXXX payment, plus Chase had added additional fees. The overdue amount was for an interest fee charge of XXXX cents, and the late fee was XXXX. 

I have paid the XXXX cents. I am concerned that Chase did not close my accounts when asked, and that they went to such effort to keep them open despite my repeated requests. My efforts to close my accounts, now that they were settled, were met with opposition at every level resulting in them not actually being closed. 

I would like all my Chase accounts to remain closed, and to not accrue any additional fees for them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 22
6.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 










-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-11
Company: JPMORGAN CHASE & CO.
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 stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. JP Morgan Chase refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated

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 2018-11-22
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my experian consumer report account # XXXX XXXX # XXXX XXXX company name XXXX XXXX XXXX. Amount {$650.00} for first one {$630.00} for second one. This is not my debt. The address affiliated with this account is not mines. Also this is violating my 15usc 1681b law. This is not accurate information. This is inaccurate and out dated information they are reporting. This section speaks on accurate information being reported on a consumer report. this information needs to be deleted you have caused damage to my reputation and my way of living.

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 received a call from Capital One asking to verify if I applied for a XXXX  credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/XXXX we have had a first and second mortgage with Wells Fargo. Both loans paid monthly, never late, and additional payments made to principal. In XX/XX/XXXX we went to Wells Fargo office in XXXX, met with XXXX XXXX to refinance loans. We spent several hours with XXXX, filling out paperwork. Returned within 3 days with additional documents requested ( hand delivered, not lost in mail ). In XX/XX/XXXX received Notice of Action Taken and Statement of Reasons informing us our application denied. 
The reasons were inconsistent with facts and figures we provided. Correspondence with W.F. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX confirmed that W.F. had not used the documents provided, but had used erroneous figures, faulty math and miscalculations to arrive at incorrect conclusions. Each representative was asked to explain their calculations, each used different figures and always incorrect figures. All documents requested by W.F. were delivered to W.F. W.F. did not consider all documents. W.F. either ignored or inconsistently replied to questions and requests for clarification of their miscalculations. W.F. did not treat us fairly. Refused to refinance loans because of our age and their concern that we would die before the loan was paid. W.F. refused to refinance in order to maintain a higher interest rate, and thus a higher payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CASH AMERICA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Property was sold

Complaint:
Cash america employees at this location in XXXX Indiana have knowingly and purposely altered account records so that I would lose my personal property and investments into other property. The company has allowed its representatives to create multiple accounts that have been misleading and confusing to keep up with payments. Coming into the location in person with my ID has been a constant struggle as several employees have purposely lied to me or missed providing me with loans and layaway payment amounts and due dates. This has been maliciously and continuously done for a substantial amount of time. I have lost hundreds of dollars of property due to errors made by associates at this location. The company has taken retaliation against me for bringing complaints to the store in which the district manager has refused and failed to resolve. Recently the store has damaged a tv i bought from a layaway. Due to such a hostile environment I have had a family member in Indiana to come into the store to make my payments on my behalf and after one payment was made I have now been informed the store is demanding that thousands of dollars of merchandise be taken out without any further extensions given. This was told to me to be approved by the corporate offices of cash america. I have filed a small claims which will be moved to a district court being that there is a pending class action lawsuit against this company for the same type of negligent and illegal loan practices by this company to a multitude of other clients. There is a company representative at this hammond location that has on every occasion I have made against the company tried to move me out of the store by either lying about prices of merchandise and providing false information to talk me out of sales. I have tried to resolve such said matters with the company for a substantial amount of time and the company has refused. As a XXXX individual the company has allowed and encouraged its employees to take advantage of me which has cost me thousands of dollars in property value loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CL Holdings LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -JEFFERSON CAPITAL SYSTEM # XXXX XXXX XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}

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