BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received the following email from PayPal , Inc . I had paid my water bill ( XXXX XXXX XXXX ) in the morning ( to show the innocuous use of this account ), and received a rebate payment from a different company in the amount of {$790.00} later in the day. This PayPal account has been active since at least XXXX, and I have done business with them without a problem since the XXXX. 

" You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 

Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 

Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below zero, then you will also need to settle the amount owed to PayPal to avoid further action. 

Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page. '' My funds have been seized without a reason, and without authority. I have done nothing wrong or illegal. I'll avoid doing business with them ever again, but I want the funds that they have illegally and without adequate explanation retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo is infringing on my right to privacy of my personal information. They are illegally reporting my private information.

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 2023-02-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company was been paid in full in 2022 but still has the payment status listed as collection/charged off and the remarks also payment after charge off/collection Paid profit and loss and does not match across all the credit bureaus either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Genesis FS Card Services, Inc.
State: CA
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:
On my XXXX and XXXX credit reports I have had 4 hard inquiries from two different companies. Both companies inquired on XX/XX/2023 and again on XX/XX/2023 these were not requested by myself. The listed phone number for FEBDESTINY has been disconnected, and the number for CB INDIGO only asks that i input my SSN # The hard inquiries were from the following companies/individuals. 

FEBDESTINY Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual CB INDIGO Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Please let me know what the next step is or the outcome because these have been substantially lowering my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Block, 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:
The company is not allowing me access to funds in my digital wallet after completing identity verification. In the verification process the company had me verify my SSN, DOB, the username off the account, and the phone number on the account. The company will not allow me access to the account in any way. The company says there is no overruling this decision, and that my funds are lost forever due to security concerns. This was the company 's position as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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 Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy.

15 U.S.C 1681 Section 602 A. Section 2 : it also states that 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 Remove these late payment and update the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!

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 2023-05-30
Company: General Motors Financial Company, Inc.
State: IL
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 submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom may concern, I fi rst thought that a wasnt being approved for any credit card when I wanted to start my credit journey because I was stillyoung. But when a start the process of buying a house with my husband i found out throught my credit report that I was being charged withaccounts that were not mine. The collections agencies have been calling non stop and threatening me to take legal action on something I have not done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: LEXISNEXIS
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: Credit inquiries on your report that you don't recognize

Complaint:
Want LexisNexis to stop reporting my credit report to the bureaus they are violating my rights as a consumer and if they dont stop I will take legal action against them. Also take all 4 bankruptcies off of my credit! I dont have to share any of my personal information with LexisNexis if I dont want to and I dont want to share any personal information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Chime Financial Inc
State: TX
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:
On XX/XX/2023 my Chime Visa card was charged {$1200.00} by XXXX XXXX XXXX XXXXr. I disputed the charge through my mobile app and later received a denial. I submitted an appeal regarding the charge as I did not authorize the charge and a representative from XXXX XXXX XXXX XXXX told me my Chime Visa Card could not be accepted by XXXX and another form of payment would be needed. A representative of XXXX illegally documented my card details and processed a payment without my permission nor with me in attendance for {$1200.00}. This has caused me to unnecessary hardship in the following ways : I had to pay an additional {$300.00} in late fees for my XXXX rent, I risk being evicted for XXXX because I am still trying to replace what was taken from me, my credit score has dropped 100 points because of the utilization of 100 % being report and payments are now due on a card for charges that I did not make. I do not understand why Chime is allowing another company to take my money and saying there was no error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a mortgage loan and was denied. My signature credits the credit for the loan. They said they can not give me the loan, although I can price financially to afford it, based off of my low credit score. This is unlawful. I should be able to obtain the financing I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: CA
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:
My son, is a card holder on my credit card account with Citibank. While he was taking a trip in XXXX, he used the credit card for all of his purchases. 

There are 3 charges on the card that were not authorized and are fraudulent. They are additional charges from places that he did have valid charges with. 

Upon receiving the statement and going line by line with XXXX, we quickly realized there were 3 so called purchases that he never made. I filed a dispute online on the the Citibank website. 

They came back quickly and said they were not removing the charges, that since XXXX had the card in his possession, these were valid charges. 

I escalated this on XX/XX/XXXX with XXXX and they reopened the file. Today ( XX/XX/XXXX ) I received an email that they have investigated and that these are legitimate charges because they were made with the chip in the card while XXXX was still in that country. 

Again, there is no doubt in my mind that when the card was used in a store, they used the same card/chip to create fraudulent charges. I'm told this is not an unusual event, especially to happen to an American tourist who clearly does not speak the language. 

It doesn't happen often but I have had had fraud happen on my credit cards from time to time, even when the card is in my possession. I have never had such a difficult time as I am having with Citibank to do the right thing. 

There are 3 charges that are fraudulent on my XX/XX/XXXX statement XX/XX/XXXX XXXX XXXX for {$3100.00} ( there were 2 other charges at this establishment that are legitamate. 
XX/XX/XXXX XXXXXXXX XXXX for {$2300.00} XX/XX/XXXX XXXX XXXX for {$2100.00}

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 2023-05-30
Company: OneMain Finance Corporation
State: WA
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 submitted a complaint about their practices ( Complaint Number XXXX ) of taking 3 payments at once. I took back 2 and they kept 1. 
They responded by blocking payment from my account and saying " the payment failed '' ... even though my bank shows it did not. 
It seems to be a purely punitive move in response to 1st complaint I filed. Now they say I have not paid and I am late which will affect my credit rating. I will turn this over to my attorney after I file this. 
I have no patience for deceptive banks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: W&A Intermediate Co., LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I gave XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020. 2 days later while reading through my discharge paperwork and online patient portal, I discovered that there were several big discrepancies. The hospital had written down that I gave XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The hospital also listed that I had a history of XXXX during my XXXX when in fact I have never been diagnosed or treated for XXXX. I brought this to the attention of the hospital who apologized and had me sign documents to have my medical records redacted and corrected. Prior to XXXX  I was quoted {$750.00} for my deductible after insurance. I was instead sent a bill for over {$5000.00}. I called the billing department and asked for an itemized statement to confirm that I wasn't charged for anything related to treating a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if I was charged for anything related to XXXX. I also asked why I was misquoted. The billing lady said she would look into but instead never got back to me and instead sent my bill to collections. Now this debt collection company reported this on my credit report 5 months ago without any written documentation ever sent to me beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Citibank is suing for time bard debt and every time I file a complaint with the CFPB they respond that it is in pending litigation which is actually my complaint

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 2023-05-30
Company: Experian Information Solutions 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:
XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 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 2023-05-30
Company: Experian Information Solutions Inc.
State: IN
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:
I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 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 my 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NC
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 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. 

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 : 8556 has violated my rights.

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 non-monetary relief
Consumer complaint received 2023-02-16
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lvnv funding LLC / XXXX XXXX XXXX this debt collection is still on my credit report but have been paid and should be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
my current address is wrong on my equifax report. I have never lived in XXXX XXXX KS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase supposedly disbursed funds from my escrow account, but they can not produce an invoice. They claim, " we receive insurance bills electronically and we don't usually keep a copy after it is paid. '' Either they are lying to me, or they are not maintaining reasonable and proper records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX ONLINE ADVANCE XXXX XX/XX/XXXX ONLINE ADVANCE XXXX  XX/XX/XXXX ONLINE ADVANCE XXXX Wellsfargo bank account. Those online advances made by scammers.

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 2023-05-30
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Icsystem inc I did not authorize you to put this on my credit

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