BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a payment from a company I work with and it was sent to the email address associated with my paypal account. Before that I tried to send money from my bank account to another paypal account, a feature that is provided by PayPal, but the payment was declined after 7 days and that same day paypal limited my account which means I couldn't buy, send or transfer money with my account. When I contacted paypal, the asked me to verify my information which I did and I was old to wait 2 business days before I could access my account again. Less than 24 hours later I received an email, from Paypal saying my account was closed and I will only be able to receive my hard earned {$50000.00} after 180 days. 
Paypal has no legal right to hold customer funds for more than 10 days, paypal is abusing its customer, more specifically its sellers and there ; s nothing we can do. 
I don't care if Paypal closes my account, I just want to be able to withdraw my money and so I don't have to ever deal with a such shady company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed for classes in XXXX, XXXX and cancelled in XXXX, XXXX due to finding another classes at a closer vo-tech. Collection agency is showing his opened XX/XX/XXXX and date of last activity as XXXX and this was all from XXXX. Since I cancelled these classes prior to the class starting this should never have been shown as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of 2022 AMEX pulled my credit report two times without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Chime had sent me an email stating that they were to close my account in matter of days well I still had money coming into that account. I had wired what I had left to my XXXX account but never received my {$750.00} that was to be refunded to me. I called the company about it and they stated they sent the cash out to chime but this was after my account had been closed. Ive tried contacting chime with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The same debt is and has been reporting twice on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit 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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2022-05-14
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:
The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the 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 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX Capital One, appears on credit as Capital One Bank USA N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 6 loans that are XXXX to XXXX years old? Is that fair when I know for a fact they should be gone and Im always told it will be gone in 7 years? Here are the pictures of how long these companies will hold on student loans against someone. It isnt fair it isnt right. I have tried every way to get these removed and they are still here? Why? Why! Why? XXXX to XXXX year old student loans. Im tired of being mistreated wrong. Im tired of having bad credit due to overly old situations. This isnt fair this isnt right 6 loans thats been on my report for over 10 years.

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 2021-06-29
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo is reporting a debt on my credit file that I do not owe. I recently took a look at my husbands credit file as well as mine and noticed this debt. I never received any notices, calls or letters regarding said debt. This is a violation of my 30 day right to dispute which violates my rights under the FCRA and the FDCPA. Not only that, this debt is very old and is past the statute of limitations in Wyoming. This is also past the credit reporting limit. Please remove otherwise we will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This morning on XX/XX/22 I received an email and notification from the Chase app that a request to change my phone information had gone through. I did not make this change or request. I called Chase to tell them that I did not make the change and they said the only way this could happen is if " I had gotten a new phone, changed my phone number, or changed my phone provider service. '' I did not do any of those things, I've had the same phone number for years and this didn't raise a red flag to the man I spoke with. He said " well, that's the only way it could happen '', and changed my phone number on the account. I then received another email that my password had been changed, and another email saying that a phone number or email was deleted from my account. I logged in to check, and the primary phone number and email address had been changed from my Chase account. Both a number and email I did not recognize or ever open/create.

I called Chase again and this woman was very helpful. I wish I had her name. She gave me a secure password to change my password on my account and I did. Then she removed the unrecognized number and email and changed the account to have my correct email and phone number. I'm glad she was able to help me but the fact that this even happened is insane. I had a very secure bank password and no one should have been able to hack my account and change information. This is a serious problem that I wasn't contacted to be sure these changes were me, and that none of this was a red flag to the man I initially spoke with. He didn't even think or say anything like, well maybe someone hacked your account, let 's look into this further. He just kept saying, this would only possible if you changed your number. Luckily, no money was wire transferred or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Bank is reporting inaccurate information on my credit report. I requested information from them via US postal mail, citing FCRA statue 623 on XXXX XXXX, 2016 ( Letter attached ) They have ignored my request & continue to report accounts negatively on my Equifax and XXXX reports. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I know it 's the data furnisher 's responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including the correspondence I 've sent to the Equifax as well to get them to remove and they 've merely passed the buck to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I pulled my credit report and there was an account from Ally which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 2015-10-02
Company: ALLY FINANCIAL INC.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Good Morning, For the last 2 years XXXX, Transunion, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed that I had some fraudulent and inaccurate accounts on my credit report I reached out to the credit reporting agency to correct the information but they did not.

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 2021-12-30
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I would like to state that as of recently I've been taken advantage of in the form of malpractice, while simultaneously several laws being broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to qualify for home mortgage, and just has overall damaged my ability to obtain credit. These wrongdoings have caused me great mental anguish at no fault to my own.

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 2021-03-10
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:
Experian might pretend to request authorization, close out this complaint as a duplicate or state they do not think it is from me the federally protected consumer and natural person. This is a delay tactic because I have used the last four of my SSN to verify myself with this complaint. Experian XXXX is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Experian received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Experians violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Experians first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Experian who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Experians illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Experian as I continue my private administrative process. I hereby am giving Experian the chance to resolve all these issues quickly to avoid further legal liability in the near future.

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