BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Venmo froze my account over a month and is holding {$920.00} and not allowing me to access the money. They claim I have violated PayPal policies but have not given me any explanation to what has happened or why it remains frozen. A request for to be contacted was sent XX/XX/XXXX with a response stating that it was escalated to another department and would take 6-7 days to resolve. I sent a reply to that email with no response and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
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:
I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2017-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had not responded. XXXX removed the item, but XXXX  and XXXX still have it on my report. They are in violation of the law. 

I want this removed off my credit report on all credit reporting agencies immediately and also a letter from XXXX XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.

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 2021-03-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a BJ 's XXXX club mastercard, serviced by Comenity Capital Bank. In XXXX, Comenity Capital Bank stopped posting payments made to my account, resulting in late fees, interest charges, and overcharges for the XXXX XXXX XXXX. I am beginning to receive automated collection calls from this company. If they report to the credit bureaus and my credit score declines as a result, it could effect the interest rate on my mortgage or on other loans I may obtain in the future. 

As of XX/XX/2022, seven payments totaling {$1200.00} have cleared my bank, but have not been posted by Comenity Capital Bank. These payments cleared my bank as follows : {$240.00} cleared XX/XX/2022 ; {$61.00} cleared XX/XX/2022 ; {$46.00} cleared XX/XX/2022 ; {$110.00} cleared XX/XX/2022 ; {$78.00} cleared XX/XX/2022 ; {$500.00} cleared XX/XX/2022 ; {$180.00} cleared XX/XX/2022. 

I have tried repeatedly to contact Comenity Capital Bank by telephone. At various times their phone system has 1 ) played a recording saying to call back later ; 2 ) kept me on hold for about 15 minutes, after which the hold music stops and the call disconnects ; and 3 ) played a recording saying to go to their website for customer service. I have not been able to connect with a live customer support person. 

I have tried to contact Comenity Capital Bank using the messaging ( secure email ) service on their website. I provided screenshots showing payments had been made. Four days ago on XX/XX/2022, I received a response stating that my request had been forwarded to the correct department. However, my payments are still not posted to my account, and today I received an automated collection call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I put a dispute to Experian on XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two XXXX XXXX XXXX  credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that XXXX XXXX XXXX verified they reported correct information to them. These two bureaus asked me to contact XXXX XXXX XXXX and get a proof saying that I don't have any credit card with them. I went to XXXX XXXX XXXX. XXXX XXXX XXXX said that I don't have any credit card with them. XXXX XXXX XXXX asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.

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 2020-06-22
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Feldman & Stern, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The guy did not identify himself but as a legal issues. Started calling on XXXX. Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez mortgage company phone number : XXXX Trying remove pmi. I have been denied multiple times. Mistakenly reviewed my loan as an fha loan while my loan is actually a conventional loan. Took my bpo appraisal fee and put it into escrow. Have been denied for pmi removal because I am getting refused an appriasal. There is not eta on any correction. I have left a formal complaint. 

Called in : XX/XX/XXXX for pmi removal XXXX paid XXXX for pmi removal valuation XX/XX/XXXX took my XXXX  money and placed in escrow. Refused pmi removal appriasal and I left a formal complaint XX/XX/XXXX still no progress. Seems to be unorganized and lacking any intention solve problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it may concern : I am having a completely poor customer experience with the XXXX XXXX barclay 's MasterCard. I have been complaining for over a month about the card, the customer service, the website, etc. 

I want to pay off the card and completely close/cancel the account, however your website will not allow me to log in nor will it allow me to reset login name and password. 

I've called into Customer Service at XXXX and the Customer Service Reps are totally lost on resolving my issue. In additional sent letters to Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX and still no response after greater than 30 days. 

Note : If this account goes past due, I will not pay any late fees. I've complained so many times over the past month, without anyone emailing me or giving me a call in attempt to help. I am also turning this into the better business bureau. 

I did not have any of these issues when XXXX XXXX card services were with XXXX. The migration to barclays has been a total failure. 

I need this business to contact me so that I can pay off the bill and close the account. 
I NO LONGER WANT TO DO BUSINESS WITH MASTER CARD/BARCLAYS/XXXX  XXXX XXXX I ALSO WANT FOR MY REWARDS POINTS TO BE TURNED INTO CREDIT ON THE ACCOUNT OR CASH PAYOUT. 

Last Four of Account : XXXX Exp Date : XX/XX/27 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 2020-06-22
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-07-19
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 XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2020-06-22
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
My credit report is showing my upstart loan as open with a balance. 
This account has been fully paid and closed. Please adjust and correct this.

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 2020-10-07
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as ofXX/XX/XXXX. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/XXXX. 
Account Type

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 2020-06-22
Company: DISCOVER BANK
State: NJ
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:
I have attached a detailed complaint letter ( dated XX/XX/2020 ), please see attached. 
In summary, this complaint follows on from a prior CFPB complaint ( # XXXX ). I now have incremental information that reveals that the chief basis for my claim denial was inaccurate, or an outright falsehood, and that reasonable due diligence was not undertaken by the agent who processed the denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Rocket Mortgage, LLC
State: AL
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:
I was searching for information on Home equity loans via Rocket Mortgage website and it specifically said that only a soft credit pull would be conducted, however, within 2 weeks, I received a full loan package with a full hard credit pull, score and report in the mail for us to sign and return. I have never spoken to anyone, Ive had to block phone numbers and text messages because the phone calls were relentless.

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

Complaint:
My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We are stuck overseas in XXXX due to COVID-19 we are not able to return to the United States. CapitalOne chose to replace my unexpired VISA credit card, switching all cards from VISA to MASTERCARD. CapitalOne is unwilling to ship me a new card to XXXX without me providing a copy of my US passport that would remain on CapitalOne systems after the verification process is complete. There is no other way to verify my identify and to get a replacement card, while my current unexpired card was inactivated by CapitalOne because of the switch to MASTERCARD. Given the CapitalOne data loss of over 100 million accounts, I am not comfortable providing my passport information to capitalone that they retain on their systems. I can provide all other information including all information on my statements, my credit report however, CapitalOne continues to say that the current " regulations '' mean that they can not send me a new card without taking and saving my passport information on their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
they applied to a capital one credit card in my name, but this product, I already have it. but appears on XXXX  with an amount of {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My wife 's and my information had been compromised in the recent days breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
wrong address wrong information showing on 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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was a victim of an internet scam involving my credit cards.This took place from XXXX, 2019 to XXXX, 2019. I was told to buy XXXX gi! cards from XXXX and XXXX and they would pay of the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, capital, and XXXX  credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back

Company response to consumer: Closed with explanation