BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
To whom it may concern. 

I want to complain about a very concerning problem related to the payment service PayPal offered atpaypal.com PayPal limited my account without prior notice and held my money for XXXX days to cover any disputes. 
Their customer service always promised that they will release my funds after XXXX days. I logged in to my account after the XXXX days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: PA
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:
Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my home depot credit card through Citi.

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX Account : XXXX XXXX XXXX Account : XXXX Us Dept Ed Account : XXXX XXXX Account : 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX XXXX I returned a call to a company claiming to be litigation on behalf of a client. The name of the company was XXXX XXXX and XXXX. They claimed to be attempting to collect a debt that originated in XXXX although they inaccurately claimed XXXX because they are the second company to attempt to buy this old debt. The accusation was that for a small checking account overdraft at XXXX XXXX XXXX in XXXX MIchigan of less than {$100.00}, they would be serving me a lawsuit in which they would seek over {$6500.00} in the form of a judgment against me. They said I would be getting served notice of the civil suit. During the call, they also proceeded to read me my full social security number over the phone and further had run an unauthorized hard inquiry on my credit report. He was reading items off my credit report to me during the call which made me feel unsafe. He also threatened that my wages would be garnished XXXX XXXX or I could settle with a payment plan. The next day, I received another hard credit inquiry from the debt collection agency. The debt collection company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was unsure if I was possibly being scammed using XXXX through XXXX XXXX so I contacted my bank, explained what was going on, after I was done explaining, it was the customer service rep that sent the money {$220.00} to the person who I later found out, WAS INDEED scamming me. I assumed the bank ( or XXXX ) would know their policy, whether what I was told, was a scam or not, so when they continued with the transaction, I figured I was safe. I don't feel like this was your typical " account holder authorization '' error who was scammed, but the customer service rep who was careless and clearly did not know about their own policies, ( scam or legitimate ). Later finding out from the Internet it was a recent scam going around, I filed a claim ( dispute ) with my bank to reverse the charges, but was denied. 
I think they should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Shellpoint Partners, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
Shellpoint provided misleading information and did not provide any consumer alerts for forbearance to be managed correctly. 

The told me over a call forbearance would be for 6 months. 
Then i get a 60 day late XXXX & XXXX Previously I had done the 6 months and all of a sudden it was 3 months. 
No email. 
No calls from account manager or bank.

No clear communication giving me an opportunity to manage my account. 
Mortgage statements did not come or they were also misleading showing all LATE so wether i was in good standing or not showered late so I couldn't tell when I really was I have been frighting with mortgage company about the unfairness, i have disputed with credit bureau but my credit was still affected. 

Now, I see there is a lawsuit that has been settled for the same reason I am claiming. 
- misleading information - violation of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BARCLAYS BANK DELAWARE
State: FL
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 am trying to resolve a dispute for an incorrectly charged amount. I followed the steps directed by the Bank. They closed my case stating we did not answer the phone, so they closed the case. I called and asked why they closed it, and I asked to have it reopened. They refused saying it needed to be done in writing. My initial dispute was done by phone, so not sure why now it has to be in writing. I asked for a supervisor they said one was not available. I asked for their name and ID and they advised they could not do so. 

After a while of going back and forth they decided to help me. They called the merchant ( Frontier Airlines ) about a {$680.00} dollar charge that should of only been around {$370.00} dollars. I have made several attempts to resolve with the merchant to no avail, and they will not or have not provided an itemized breakdown of the charges. While on the phone the agent made several attempts to reach the merchant, and they are unresponsive and are not cooperating. The agent still would not reopen my case and said I needed to submit it in writing and restate everything that occurred on the phone which should be documented on my account.

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 2022-08-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I requested to have my account ( XXXX XXXX ) closed in XXXX. After checking in XXXX, the account was open. I chatted to XXXX, who assured me that the account was closed. Today, XX/XX/XXXX, I received a letter from HSBC that my account was being transferred to XXXX XXXX, whoever that company is. 
I spoke with XXXX at XXXX, who said that the account was closed, but the account number takes six months to drop off the website (? ) and that I received the letter in error. This is wildly suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My wife and I submitted a mortgage application. After a credit check, we discovered the credit bureaus sold our information as a result of the credit inquiry. We have been bombarded with calls and text from companies all over the US asking about our mortgage. This is a shock to me that the credit bureaus can sell our data. Ive written a complaint to my congressman as well. Is this a legal practice? If so, what is the federal code that allows this unethical practice? 

Regards, Very upset in the data breach XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXXXXXX XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank has refused to allow me to submit a dispute which is my financial right. The refusal comes in the form of lack of action taken through multiple phone call I've talked to numerous representatives without success in resolving the problem. They have refused to let me speak with leadership to get the problem rectified. As of the time I am writing this, the disputes haven't been submitted. And there is no recourse to solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer 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 2022-07-02
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 information incorrect

Complaint:
All XXXX major credit bureaus : XXXX XXXX, XXXX, and Experian. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All XXXX are currently FROZEN until I can begin the process to correct all XXXX reports. 
When should I begin to remove these Freezes so, the corrections can be completed??

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 2022-09-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried 2 times to rectify this situation with National Credit Adjustors and they are continuing to blatantly ignore me in regards to the compensation that I am asking them for in regards to ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation. They have also furnished it onto 2 accounts my XXXX  & my XXXX account which is 2 violations which I am entitled to remedy pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). I am asking National Credit Adjustors to compensate me {$2000.00} for furnishing information onto my consumer report which has ruined and harmed my reputation. If this situation is not rectified as this will be my 3rd time asking for this remedy. I will seek actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The inaccurate information that Transunion has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Transunion expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
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:
Hello, I submitted a complaint a few months ago and this is a part of that same complaint. 

I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card immediately. 

On that same day, XX/XX/XXXX at XXXX XXXX and after I had disputed the charges and asked for a new card 5 hours earlier that day, there was a new charge to my now old and frauded card of XXXX {$1300.00}. For some reason, it later became {$900.00}. 

Chase bank was aware that this was also part of the same fraud because it was done on the same, old and frauded card that was already cancelled. This was communicated to their team several times over the phone. They even asked for an email from XXXX confirming this. I was able to get confirmation from XXXX that I do not exist in their records. More importantly, have never used their services. 

When submitting my prior CFPB, my main focus was the {$7700.00}. As CHASE was aware, had proof and made logical sense that these were together ( purchase after cancellation ), I did not address this topic here. 

Thanks to you, Chase agreed to pay the {$7700.00}. Now again, they have posted {$900.00} from XXXX. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation.

Company response to consumer: Closed with explanation