BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To : CFPB ( Consumer Financial Protection Bureau From : XXXX User Dear CFPB, My complain is about my paypal account that was in limit. I don't know my grounds or violations I did. It was happened when my friend 's paypal name XXXX XXXX got in limit status. At first her paypal was in temporary limits and he appeal the problem and also she talked to the paypal in limit department about what happen why her paypal got in limit she only did was to add a card so that she can withdraw the money from her account but unfortunately the paypal response to her about the status and the paypal didn't accept the appeal and it turn that her paypal became permanent limits. She always keep on asking about what was her grounds and the paypal can't point out the main reason. On that time we plan to transfer the money from her account to my account so that the fund will be withdraw because that fund was compulsory fund and she need that fund, because during that time her daughter was admitted in the hospital for XXXX XXXX. We attempt transferring the money many times and we did it and I receive the money after all. But after what we did the paypal also send me an email about the status of my paypal and so bad to my apart and also to her because it came out that my paypal also was in temporary limits. And again we did to appeal but unfortunately the paypal denied my appeal and it turn into permanent limits. To this complain center I need your help sir/ma'am to have an action regarding about my problem in my paypal account XXXX XXXX XXXX need that fund for her financial problem right now. We look forward this matter. I hope this will be fix soon. Thank You and GODBLESS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I applied for a loan thru big pictures loan on XX/XX/XXXX they deposited XXXX dollars I was mislead I had know idea that the interest would be what it is they have me paying XXXX for 13 payments which means I pay back over 2 grand I had know idea they dont tell you this I have made 3 payments and haven't touched the principal I'm willing to pay what I borrowed but I can't pay all that interest so I sent the company a stop and cease order on taking money out and I did a stop payment i cant any continue to pay overdraft fees because of them taking these payments out twice a month I believe they prey on people that are in jam and need a little cash and they trap you into paying these big fees I want to settle with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Corp Solutions reported to credit bureaus on my personal credit account that I owe {$470.00}. In 2017 this balance was approximately {$100.00} only. This was business purchase and had nothing to with my personal account. 

This is the factual detail : The XXXX XXXX XXXXXXXX Credit card was strictly received and used for my business in Hawaii. This is the business place, where I had invested my life savings and significant capital contribution. I was serving a niche market and had plan to grow. During the expansion process, I hired a licensed realtor, to sell my investment in 2017, so I can relocate my business in a different location and execute my expansion plan. 

During the sale process the realtor colluded with a group of people and fraudulently possessed all my investment, all inventory, everything next thing I had in my business premise. These group of people thrown me out of my work place and brought a sudden halt to my cash flow. 

This is when I became helpless and struggled to survive. The domino effect of this cruelty by the group of people caused a chain of negative impact in all areas of my life. I am still in the same situating, pushing and working hard to survive and hoping to get back in my business. This is when I will be back to do business with XXXX XXXX and all remaining line of business I dealt with. 

This is a sincere request to please " do not impact my personal credit, the charge of {$100.00} was strictly for business. And my business investment fraudulently possessed since 2017 '' Please remove this negative item from my credit. Your consideration is required and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
showing inaccurate information on credit report ftc violation fcra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to harrass my family keep calling them hours of the morning and night I never gave them their information! I told them numberous times to stop! They continue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company began calling a few weeks ago on a debt from over a year ago. They call every day. I have explained to them that we don't have the money to pay them or anyone else right now. I've been polite. I've asked them to call less frequently. Still, they call every single day at XXXX in the morning. 

Last week, I was XXXX  and I am still quite ill. I very patiently explained to them that I need them to please leave me alone until I feel a little better. They are pleasant and agree and then sure enough, XXXX sharp the next morning, they are calling me again. If I fail to answer the XXXXXXXX XXXX  call, they will continue calling at random intervals throughout the day. It is now to the point where it is clear harassment on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: Experian Information Solutions Inc.
State: SC
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:
Experian Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.

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 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent letters via certified mail to all three credit bureaus requesting validation for a XXXX XXXX/XXXX   account. Per the certified mail receipts these letters were received by the bureaus on XX/XX/18 and XX/XX/18. No proof of validation was ever sent to me however all three bureaus updated my credit reports stating that the debt was valid. According to the FCRA they should have sent proof that the debt was valid within 30 days of the receipt of my request for validation in order to report the debt as valid.

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 2021-04-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was current in XXXX and minimum payment was made before the XXXX XXXX due date. I made a payment for XXXX on XXXX. XXXX. Since my payment was made before my next statement was issued on XXXX. XXXX, my payment was not applied to the minimum amount due for XXXX and on XX/XX/XXXX I was charged a late fee. I have asked to have the due date and statement date set to the same day of the month but the company states that they must keep a 1 week period in between. This is creating a black-out period where my payments are only applied to my balance but not considered against the minimum payment requirements.

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 2018-04-04
Company: JPMORGAN CHASE & CO.
State: CO
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 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for several credit cards. An application was submitted for Chase and while no account was established the application left a fraudulent related inquiry on her XXXX  and XXXX credit reports XX/XX/XXXX ; an official dispute of this was sent to Chase/XXXX  card XX/XX/XXXX however they have no replied or sent a response which is a violation of the FCRA and her consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
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:
I had a car loan with USAA as well as car insurance. I had an accident back in 2015 in which my car was " totaled '' in the words of USAA. My car was paid off and we were sent the access. On my credit report, it shows my account was charged off. They recieved their money, I called and spoke to the insurance rep personally asking if it went directly to USAA and was told yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX will not forward me a copy of my credit file after I submitted the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: ERC
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: Investigation took more than 30 days

Complaint:
Enhanced Recovery Company ( ERC ) is failing to uphold Federal Law, regarding reporting 100 % accurate information ; ERC is reporting INACCURATE, unfair information on my credit profile, which is affecting my ability to obtain credit.

I've communicated to ERC, via certified mail, with return receipt, on two ( 2 ) separate occasions ; my first letter to ERC was received and signed off on, on XX/XX/2021 at XXXX, and the second letter was received on XX/XX/2021 at XXXX. I havent received any correspondence, whatsoever, from ERC, nor have they removed this inaccurate, negative information on my credit report, and its been 13 weeks, or 91 days since theyve received and signed for my first letter! 

ERC is reporting inaccurate information on my credit report, and refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Convergent Resources, Inc.
State: MI
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:
On XX/XX/2019 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX, XXXX  app and XXXX. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account 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 explanation
Consumer complaint received 2021-04-06
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 status incorrect

Complaint:
The open date is wrong. this debt is over XXXX years old negative but Experian still has it on my file. 


Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened 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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 a deposit of {$50.00} was made to my account by a tenant. To date, Chase Bank has not credited my account for the {$50.00}. I have supplied them with a copy of the cancelled check and they still have not deposited the money into my account. I have called and visited the bank branch in XXXX XXXX, Fl, where the check was deposited, and still no money has been deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions 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:
Creditor Acc XXXX XXXX XXXX XXXX, Creditor XXXX, Acc XXXX, Dept Of Ed/XXXX, Creditor XXXX XXXX XXXX. The following are not my address or ever lived there I think this is what attaching me to my father with the same name.

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 2020-07-10
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried multiple times to fix this problem but theys seems to not care

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, 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:
My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and Equifax. I have a excellent payment history. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent an international wire transfer ( to XXXX ) through the XXXX branch of PNC bank on XXXX XX/XX/2019 at XXXX. The branch manager went through the details and said that since it was going to be in the destination currency ( INR ), it would be sent directly to the bank ( XXXX ) and that there was no need for an intermediary bank. The money was then debited from my account. 
I kept following up with the beneficiary to confirm if he received the funds and even after 2 weeks the funds were not received. I then called PNC 's customer support and they told me that the beneficiary bank was asking for additional information. Since it was already delayed by 2 weeks I requested PNC to recall the transfer. 

I have since followed up with PNC several times and as of today ( XX/XX/XXXX ) over 2 months from the date of the wire transfer I have not received the funds back into my account. 
It appears that there may have been an error from PNC bank because they keep saying that the funds are with XXXX bank XXXX they are unable to provide me details of this, I told them that if they could that I would follow up directly with the bank ) however the funds were to be sent to XXXX bank and not XXXX bank. 

The details of the wire transfer are as below Date XX/XX/2019 Time XXXX EST Confirmation code : XXXX Amount : {$29000.00} According to the receipt the funds should have been available to the beneficiary by XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX  ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

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 2018-06-30
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.

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