BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, I've been in touch with Chase multiple times. I still have concerns that my chargeback from early XXXX ( XX/XX/2020 ) for XXXX for {$220.00} is being denied and not being seen as valid. There was a 30 day 100 % refund guarantee that the vendor won't honor. They keep trying to tell me there is a no refund policy, but it clearly states even in the paperwork that Chase sent me after the first investigation that I have 30 days to refund ( see attachment below page XXXX ). After purchasing the program, I wasn't satisfied and at that time realized that others also had many issues with this company. I appreciate your help and understanding in remedying this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, we received payments from a XXXX client for a video production project. Then Paypal immediately red-flagged our account and asked us to provide more information regarding the transaction, which we did. Then the second day we checked our account and it showed our account has been permanently banned, and the funds we have in the account will be held for 180 days, 180 days!!!!!!! We called customer service and received an answer " the decision is final and we can not tell you why we are permanently banning your account ''. They told us the fund will be held for 180 days and asked us to be patient. The thing is our company did nothing wrong and we tried to ask our XXXX client to step in to see if both parties can verify the transaction and lift the ban and release the fund, but they say the decision is final. Our company is missing the funds to continue the video production project and we are going to face a penalty fee if we can not deliver the project and potentially filing bankcrupcy. Again, our company did nothing wrong but Paypal is trying to XXXX our company over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-09
Company: EQUIFAX, 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:
I have disputed several items on my Equifax credit report and they continue to state that the items on my credit report have been verified, yet, have failed to provide me with physical verification of such as it is required by the FCRA Section 609 ( a ) ( 1 ) ( A ). 

Dispute dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 These are the items that appear on my credit report. 
XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXXS - No Account # provided- {$360.00} XXXX XXXX XXXX XXXX - No Account # provided- {$150.00} XXXX XXXX XXXX, XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX XXXX - No Account # provided- {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: FL
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:
For 3 months equifax has failed to conduct a thorough investigation. I sent in several disputes for over 3 months with supporting documentation and the credit file was never updated correctly. Instead of Equifax conducting an investigation that failed to review any of the documents and allowed the creditor to continuously change the delinquency dates. As I filed CFPB complaints Equifax did not review what was stated in the complaints and kept throwing the account in dispute as balance being disputed which was incorrect. I have over 25 recorded calls of representatives and supervisors disconnecting the call on me, cold transferring my call without notice, discussing information in my file without verifying me first and denying my right to be transferred or speak to a supervisor. The last credit report I received from Equifax on XX/XX/2019 stated the account was updated as pays as agreed and all late charges were deleted. On XX/XX/2019 I received notification that I had a new charge off listed on my report. Equifax made modifications on the report to again reflect charge off with no notice to myself. There were no open disputes on file and all disputes in regards to the acct had been cancelled as of XX/XX/19. They have made SEVERAL FCRA violations. My credit score has been affecting as it is reporting I had a deliquency reported a month ago but this account was reported as a delinquency 6 years ago.1. CRA failed to conduct a proper investigation and follow dispute guidelines2. Failure to notify myself with the new negative credit information.3. CRA is reporting an old debt as new by manipulating delinquency dates to list account as first being reported as a charge off in 2019.4. CRA’s are obliged to correct or delete inaccurate information within 30 days and failed to do so5. CRA continued to report a debt as charged off when it was settled or paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 2020-06-11
Company: Trident Asset Management, L.L.C.
State: NY
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 XXXX credit card, made a fraudulent statement on my account the first is on XX/XX/XXXX {$280.00} and the other is XX/XX/XXXX XXXX where they posted as the minimum payment owed. they also stated I made an transaction I'd never made and charged me extra on payments which forced me into an over limit fees. I tried to explained to them that on XX/XX/XXXX I never made an {$100.00} atm purchase in the XXXX on XX/XX/XXXX where they intentionally altered the statement. I told them I wasn't even in the XXXX nor used the card for XX/XX/XXXX. I was on the phone for over an hour disputing my case with representatives and supervisors to adjust the error to no avail and they hung up the phone. On XXXX they showed on my credit report there's no availability for XXXX for XXXX  and XXXX  where I have the statement. My last transaction was XX/XX/XXXX and I made an payment of {$150.00} on the XX/XX/XXXX my last payment. By the XXXX they said I had {$75.00} credit available but balance was {$220.00} after paying {$150.00} on the XXXX with no further card transactions? They also stated on XXXX of XXXX an XXXX charge of XXXX was on my account for that month when I even didn't have one and the only transaction from XXXX was on XX/XX/XXXX. 
I will provide their statements, my statements and my time card punch out to contrast the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave. 
At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, My landlord uses the XXXX XXXX to collect rent payments. I tried linking my PNC checking account to the site, but I am not able to do so. According to the error message, PNC has made a change that does not allow linking of the accounts. I need assistance in this matter as I need to pay my rent. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ERC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it may concern, Good afternoon, I hope your day is going well! 

This message is being sent in response to an alleged debt that has been reported on my credit report from your company. I have attempted multiple times to dispute, as well as attempted to obtain verification, rights, and proof of your companies legitimacy to report and pursue this alleged debt three months ago with no response at all, putting your company in violation of the Fair Credit Reporting Act of 1970. 

My attempted requests of proof and legitimacy were not handled in a timely, or legally acceptable manner in accordance with the FTC managed, Fair Credit Reporting Act under United States law. The Fair Credit Reporting Act requires that creditors must respond to these requests within 30 days, or the debt becomes invalid. 

By failing to respond to the previous attempts within the 30 day period that the ( Fair Credit Reporting Act ) mandates, I am requesting that your company immediately removes this alleged collection account debt from my credit report with all 3 major credit bureaus, as well as any others involved, due to your companies violations of the " Fair Credit Reporting Act of 1970 ''. 

Thank you for your time, have a wonderful day. 
- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for American Express Delta Skymiles credit card back in XX/XX/2020. Firstly I used Amex offer letter with offer code to apply for the card, the application got approved. But shortly after the approval, I found the offer letter showed the first year annual fee is not waived at the very bottom of the offer letter in quite small font size under terms and conditions, which is not the normal case for this product, so I cancelled my application right away at the same day or one day later. I called Amex customer service to complain about it and wanted to apply for Amex Delta Skymiles credit card which waives the first year annual fee. I was aware of the Amex credit card reward policy, they do not pay the customers reward if they have the same card before, so I explained to the customer service my situation and asked him if I was still eligible for the welcome reward, which is 60,000 bonus miles with purchase of {$2000.00} in first 3 months. The customer service representative told me I could still get the reward in my case so I went ahead to apply for the card. Now it is XXXX but I still do not receive the reward. I tried to call Amex customer service more than 10 times to resolve my case but they always told me my first application was approved, I already got the same card so I could not receive the reward. However, I cancelled my application right away at the first time I applied for the card, I never received the card from Amex, never spent money on the first card and never received welcome reward on the same card from Amex before. Moreover, I did call Amex customer service to double-check if I could get a welcome reward, but it looks like Amex is ambiguous about tracing back the phone call I had with their customer service back in XXXX. Every time I called Amex they just raised a ticket for me and let me wait for 7-10 business days to follow up but every time they just declined my complaint. There was only one time a senior employee from Amex customer service agreed to send me 10,000 miles on my account, but I should get 60,000 miles in total. I do hope my case can be solved asap since it is quite frustrating to call Amex over and over again, explain to them my case every time but always get disacpponting result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an available balance in my checking account of apprx {$3400.00} .The account is blocked and I am unable to use it. I want the account closed and a check sent for my balance

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 2020-06-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

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 2022-05-16
Company: CHARLES SCHWAB CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, I created a XXXX ( US {$14000.00} equivalent ) international transfer from my brokerage account in Schwab to the XXXX XXXX account for my tuition payment and living expenses. On XX/XX/XXXX, the beneficiary of this transfer has still not yet received the money. And therefore, I asked Schwab to put a SWIFT trace on my wire transfer, however, up to now, already three weeks I still didn't have any update, and my money is still disappeared. It is not usual for a wire transfer to take so long processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Capital One and requested information in which I have yet to receive a response. Capital One is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I was told by Venmo customer service that the reason my dispute was denied was because they stated they seen the transactions that ARE unauthorized were made more than once at the same merchant etc. I again did not make any of said transactions and need my money back that is MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
AMEX decided to reduce my Credit Limit based on a 'late payment ' on my personal loan with AMEX as well. It was an issue to do with Autodrafting. An internal system flaw does not distinguish between old ( closed ) accounts and current accounts when setting up autodrafts. As a result the autodraft was setup for the closed account ( unbeknownst to me ). The payment date was showing up as XX/XX/XXXX, when my usual debit day is XX/XX/XXXX. I thought that necessary adjustments to daily interest would be made and I will be debited for a further 8 days of interest when the new payment will be debited. AMEX then emails me saying they are rejecting a payment on my XXXX XXXX Card due to a late payment!! I investigate further to see that the payment they are referring to is the one ( on my system ) is showing as XX/XX/XXXX. They explained that this was set up for the old loan account which is still ( active ) on their system even though it was paid off and closed over 9 months ago!! As a result of this 'late ' payment, my other accounts have been affected, including the credit limit of my XXXX XXXX which dropped from $ XXXX to $ XXXX. I have been a customer of AMEX 's for the best part of 14 years and I have been treated like an absolute criminal. I have NEVER missed a payment in the past 14 years!! They are asking me to jump through hoops to appeal my credit limit on the XXXX XXXX as if I am a brand new client just out college or with someone who has no credit history. This is absurd. I have lodged a complaint with the company itself and will take this further for consideration to restore my credit limit and integrity with AMEX and the credit bureaus.

Company response to consumer: Closed with explanation