BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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:
I am filing a complaint against PayPal regarding the sudden removal of all my funds from my account without any notification or explanation. I was using my PayPal account to accept donations for my game projects, and each incoming payment was labeled as a donation. I had been using PayPal for over two years without any issues. 

However, on XX/XX/2022, I received an email from PayPal stating that I could no longer do business with them and that my account was permanently banned. My balance was frozen for 180 days, and I was informed that I would be able to withdraw my funds after that period. Unfortunately, I never received any email after the 180 days, and on XX/XX/2022, I discovered that all of my funds had been removed from my account without any notification. 

I have tried to contact PayPal customer support multiple times to understand the reason behind the removal of my funds, but they have been unhelpful and only provided vague responses. Furthermore, I have never received any notification or warning about any policy violations or actions that would lead to the removal of my funds. 

I suspect that the reason for the sudden removal of my funds may be due to the fact that I registered my PayPal account in XXXX but logged in from XXXX. I am a XXXX citizen who was living in XXXX, and I registered my PayPal account using my Indonesian document, bank account, and mobile number. However, due to unforeseen circumstances, I was unable to return to XXXX and had to log in from XXXX. 

I believe that PayPal 's actions are unjustified, and I request that my funds be returned to my account immediately so that I can withdraw them. The total amount of funds removed from my account was {$5200.00}, which were all labeled as donations from individuals who supported my game projects. 

To summarize, my problem with PayPal includes the following : Sudden removal of all funds from my PayPal account without any notification or explanation Lack of communication or assistance from PayPal customer support Possible unjustified removal of funds due to logging in from a different country than the one where the account was registered Request for the immediate return of the funds to my account so that I can withdraw them Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i was told my citibank secured credit card wold graduate in 12 months when the manger a year ago at the branch convince me to apply that was the main reason i did its now a year and it still didnt graduate

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 2022-04-23
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I received a pre approved offer for installment loan at a lower rate to be used for paying off other debts at higher interest rate. I applied, submitted additional documentation as requested and hard inquiry was done by the company to check credit. I attempted to contact the company on multiple occasions based on email stating I should receive response within 24-48 hours. These attempts started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and subsequently today XX/XX/XXXX, to hen at my request for information I wan informed the loan was denied, no reason provided. 

I believe the impact to my credit score due to this inquiry has been harmful to my ability to regain a positive credit standing and the lack of follow through or due diligence by this company is in violation of the Fair Credit Act as they did not provide suitable, notable or timely response based on the information provided to me. 

I would like this inquiry removed based on the neglect by XXXX to follow stated terms and agreements for credit offers and notification. 

Best regards, 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 2023-02-24
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a 1 Account name. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 A1 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 non-monetary relief
Consumer complaint received 2022-06-22
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:
For about XXXX  year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.

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 2022-11-24
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I, XXXX XXXX, a consumer, am here to express and resolve my problems I am having with Chime. I have been a chime member for almost four years and Ive never had money stolen out of my account but as I brought this knowledge to Chimes attention by filing a claim, they denied my claim within 3 days after explaining to me that it would take at least 90 days to fully investigate my claim. I contacted chime on XX/XX/2022 to inform them that almost {$5000.00} of unauthorized charges had been places on my account while I was incarcerated. No one I am connected to had any access to account and my card was still in property. I let them know that I had absolutely nothing to do with any transactions that were placed on the dates XXXX/XXXX/2022 through XX/XX/2022 and that I was not aware of any of these transactions until I was released on XXXX/XXXX/2022, the day I called to make my claim. I am highly upset with chime and I dont feel as so I was treated fairly, I informed them that half of that money was my rent money and I had no other way to pay until I received my funds, so I was at least looking towards a temporary credit to my account so noticing my claim got denied within 3 days left me utterly confused and completely in distraught. I had no back up money and that led to me getting evicted out of my home, Chime has failed and gave me no explanation as to why my claim was denied and since they clearly dont care about their costumers I am going the extra length reaching out to the bureau because I know you all will take the right time to fully investigate my claim. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: NH
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 filing a complaint against XXXX XXXX XXXX  including credit bureaus XXXX and Experian. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX 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 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 2022-06-22
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new online saving account with Discover Bank. They froze my account based on unusual activity the. Required I call their security number which I have now tried every day and waited multiple hours each time to NEVER get through. I still have no access to my funds or any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
I had an HSBC Premier World Elite card until it was closed and converted to a HSBC Cash Rewards credit card in XXXX ( which has no annual fee ). I did not convert this card, HSBC USA did. However, I was charged an annual fee for the Premier World Elite card of {$390.00}. When my card was converted to a the Cash Rewards, I phoned in XXXX and talked to an agent and they advised me I would get a refund for the annual fee. I called back after 30 days only to find out nobody had any record of this conversation nor knew anything about conversion of bank accounts/credit cards that recently transpired in the XXXX. I have called numerous occasions asking about my annual fee refund, but unfortunately have been given the run around. So many of the agents say they will " escalate '' this and call me back. No one has ever called me back. In fact, this week alone I have called three times and have logged a almost 3 hours on the phone to resolve this issue. Why is HSBC stealing my money? I paid for the annual fee for card and benefits that no longer exist? Please give me my money back. This is a crooked business practice, HSBC. Do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX XXXX I submitted a dispute to all 3 credit bureaus Equifax, XXXX, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: SC
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:
it has come to my attention that equifax is refusing to remove false and misleading item from my consumer report. it has been months and they still refuse to remove these negative items from my consumer report. i have read the article that they are giving consumers low credit score which is true my score is not accurate and should be higher i have sent them proof that these items are not mine for months and still refuse to remove them. Pursuant to their data sharing policy under consent they admitted that they get my consent without me even knowing when it must be made clear that they are i am requesting that they send me a copy of this consent for it is raising my concern. The XXXX XXXX must be removed from my consumer report it was told from the collection company that it is to be deleted the inquires stated in the ftc report are not mines i never gave them consent nor authorized the inquires they are not factual and must be removed but when i resubmitted the report you tell me that they are not removing them at this time remove them immediately and XXXX account is a consumer Credit card transaction and is excluded from a consumer nor was i late remove immediately. you are civilly liable for refusing to remove these negative items. This is not a error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called as I had XXXX  recently. I needed this month and next month due to a reduction in income put on pause and resume in XXXX. They advised me they offer nothing in regards to XXXX and that my credit will take a hit. They would not help me in anyway and I've been current on my payments for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-11-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Friday, XX/XX/2023 was payday, yet JP Morgan Chase did not released my funds to my XXXX  account ; not one email was received regarding this issue - I had to find out via social media. Also, they have no timeframe to when my funds will be officially deposited into my account and that isnt fair. 
I, like millions of people, have bills to pay and they do not operate on a We will let you know basis. My funds still arent available, and the fact that Chase is not providing any type of compensation, due to such negligence on their end, is wrong and unacceptable. 
Im not pleased with this at all and I need the situation to be rectified pronto, as well as compensated for missing out on my money for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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