BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX of my account is XXXX hello good afternoon on XX/XX/XXXX of this year around XXXXXXXX XXXX XXXX XXXX  I received an email from the XXXX XXXX that a person was trying to access my account telling me the location of this person who was XXXX from the XXXX  after this I proceeded to change the passwords of my banking application and my email so that there would be no more problems, I was very concerned about the situation because I had all my money in this account saved for several months from my XXXX work and called the bank around XXXX XXXX to tell them to help me block my account, the bank replied with " we can't help you '' then I proceeded to email XXXX with my data and photos that ask you to identify your identity, they told me that my account was already verified, I normally work at night and that day after doing all this process I went to XXXX XXXX or at XXXX XXXX I notice they logged back into my account and were shopping online at various stores like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to log into my bank app and was unsuccessful because all my account details had changed and immediately I called the bank so that they immediately blocked the cards that were being used at that moment again they told me that they could not help me that I had to wait for them all the purchases were processed and are no longer in pending status to present a dispute wait until XXXX XXXX on XX/XX/XXXX to be able to access my account since the bank had confirmed my identity again, I disputed the card and they told me that I had to wait to dispute the debit cards. this is the amount that was made with the debit card in Amount of claim : {$2700.00} Amount of claim : {$390.00} Amount of claim : {$1100.00} this is the amount that was made with the credit card The amount in dispute, {$5300.00} then call as the transactions were no longer pending to present a dispute for these purchases of my credit and debit card, they told me that both were already in a state of dispute, after three days the bank told me that there was no error in these purchases and that I would not have a refund of this money that has been stolen from me, the bank provided me with some new provisional cards I can see them in my application after this new card was used again to make the same purchases they re-entered my account they changed my data again and the bank no longer gave me access to this account without giving me a detailed report of the disputes I made. I still have no information about the latest information I have sent to this bank. I attach a photo of what it looks like This person entered my account and changed my email and phone number. 
I have also suffered discrimination from this company because although their staff speaks XXXX they refuse to speak it so that they can have better communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to resolve this issue with the debt collector because this is not my account. I have been a victim of idenity theif. I have asked that several times to investigate this item. The item listed below is the account that is not mines : PORTFOLIO RECOVERY # XXXX XX/XX/2018 {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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: Information belongs to someone else

Complaint:
the following accounts are illegally reporting this negative information regarding a debt that allegedly I owe I requested to have the information verified they failed to provide me with proof. This is a direct violation of USC 1691 ( a ) 2 As well as 15 USC 1681 further sates there is no requirement for a financial institution to furnish negative information to a consumer reporting agency. The other negative information is a direct violation of my HIPPA rights.

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 2020-08-18
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
The complaint is about Paypal Business Debit Mastercard, which is connected to my Paypal business account. 

They are currently running a promotion that gives {$20.00} cashback for every {$1000.00} purchased on the card until XX/XX/XXXX. I made a number of point-of-sale purchases with the same online merchant. Paypal honored the cashback up until XX/XX/XXXX, and then abruptly stopped issuing cashback, without changing the rules of the promotion. 

My attempts to resolve this with Paypal have been fruitless. They have repeatedly made up " rules '' for my transactions that either didn't apply or weren't part of the promotion. 

They claimed these were " cash-like '' transactions, but they weren't. One proof of this is the fact that my Paypal debit card has a daily limit of {$400.00} for cash-like transactions, but I routinely made purchases over that amount. 

As it stands, Paypal owes me {$160.00} in cashback under the current promotion ( effective until XX/XX/XXXX ), and refuses to honor it. 

Attached are the images of the transactions for which cashback wasn't honored, as well as the advertised XXXX XXXX XXXX  of the current promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX # 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 a account without my written instructions In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # 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 a account without my written instructions In reference to the accounts listed by Equifax. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # # # # # # # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX # # # # # # # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
HSBC has created a burdensome and layered system to access your account and make electronic payments. It requires a paper form to establish an automatic payment and it requires pre-established pin to access your online account. 

I attempted to request a temporary access and I was a 20 number temporary username. 

These steps and requirements are said to be placed for security reasons but further insight into these practice can show an attempt to lock out older or less engaged account users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX, i made a purchase of XXXX dollars on my Home Depot credit card, on XX/XX/XXXX I paid off the complete balance of the card to to a ballance of XXXX. On XX/XX/XXXX I received a bill for XXXX plus XXXX dollars in penalties and interest. When I contacted them I was told my XX/XX/XXXX purchase wasnt added to my balance on XX/XX/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 monetary relief
Consumer complaint received 2018-05-25
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keep trying to collect a debt on a car they took back for being one payment late. I had catering items int he car worth more then the car would not give back in fact held for additional payment after we worked out an agreement they reneged on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a property foreclosure sale date set for XX/XX/2020, I have requested mortgage assistance with my mortgage company several times, they have given me the run a round saying they didn't receive my documents and refusing to assist me with my mortgage. 
Received foreclosure notice from Foreclosure Attorney and Select Port Folio a sale date has been set for my home to foreclose even though the president of the United States has imposed the Care Act because of Covid-19 stopping property foreclosures sales nationwide. I have recently submitted another request for mortgage assistance including my financials to Select Port Folio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2018-05-25
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Old information reappears or never goes away

Complaint:
There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is 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 2020-04-17
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.

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 2021-03-23
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My American Express Bluebird card has not worked for more than 5 days now and when I call Amex and tell them, they act like there is nothing wrong! Their website has not been working for the same amount of time, no one can use their card for anything and hundreds of people are complaining about the same problems but Amex continues to tell all of us that nothing is wrong when it is VERY obvious that they are having some kind of a system failure right now and Amex just does not want to own up to it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please refer to cfpb complaint number XXXX. Experian states that their third party vendor XXXX XXXX has verified that the account is accurate. I spoke with XXXX XXXX again to reverify. They sated that Experian must run my information through there system again and it will verify that not only do I not have the original account in question but I now do not have the other account as I was in dispute with XXXX XXXX at the time of the original complaint. Experian is sending generic letters without doing their due dilligence,. They are not following the Fair Credit practices set forward as the agency they claimed to have verified said accounts are saying that they have deleted these accounts as well as reported the deletion to experian who refuses to remove the erroneous accounts. I have attached documents verifying one account was not listed as of XX/XX/2021 and the XXXX not listed as of XX/XX/2021 via XXXX XXXX XXXXXXXX documentatoin.

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 2022-08-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: MS
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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested Experian and XXXX to remove all consumer statements and personal statement. REMOVE ALL CONSUMER STATEMENTS AND PERSONAL STATEMENTS WITH EXPERIAN 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 2022-12-08
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in receipt of a letter from Prince Parker & Associates , Inc stating that I owe a debt. I do not know for what this debt is, so I need you to validate the debt. What information do you have that proves the debt is legally mine and that I am obligated to pay it? Keeping in mind that a copy of a Consumer Contract is not sufficient evidence of a debt as per case XXXXXXXX XXXX XXXX XXXX  XXXX. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.

Company response to consumer: Closed with explanation