BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Pay Pal *XXXX  c/o XXXX  or visa versa on XX/XX/2020 took XXXX out of visa credit card account and never delivered the product as discussed a portable desks. Over 24 emails have taken place between and now and the names and everything have changed. I hold Pay Pal responsible for sponsoring fradulant companies over seas that don't send products. This company c/o Pay Pal XXXX presented themselves as being in the US or I would not have ordered. Something needs to be done about this taking advantage of ppl because of a pandemic. 

Then they tried to offer me XXXX up to XXXX for my " troubles '' '' I want the whole XXXX back no product. XXXX .. XXXX ( I have no idea who the heck this is and how it went from paypal to XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2016-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have not received free annual credit report from Equifax as requested in 2016. 
When requesting from XXXX FOR THE PAST SEVERAL YEARS they refused to accept several proof of address attempts. I did Include photo ID and letter from the homeless shelter and they continued to deny. I have lived at the same address for eight years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: FL
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 checked my personal Equifax credit report on XXXXNoticed that this unauthorized inquiry had been made : XXXX XXXX  XXXX XXXX. XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
I am myself and I am submitting this information from my personal com0uter. This is XXXX XXXX, My Information isnt correct. I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me with my request.

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 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 paid the bill off in full and i contacted the credit card company to see if they can remove it from the credit and no one wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2020, I went onto the Transunion website to dispute an incorrect line item on my credit file. They require an account to be created in order to be able to dispute. I then created the account and was prompted to enter my credit card to " confirm my identity ''. I then noticed a charge of {$26.00}. I absolutely did NOT approve this, nor was I even provided the chance to opt out to select another option. These funds were taken out under false pretenses. To make matters worse, it is almost impossible to find contact information. And the FAQ offers no solution to this either. I am attaching screen shots of 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 monetary relief
Consumer complaint received 2020-06-18
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
First time signing up for credit reporting in XX/XX/2021. 

Filed for fraudulent accounts on credit report. XX/XX/2021 Attempted to have credit locked down XX/XX/2021 Second attempt of having credit locked down XX/XX/2021 Third attempt of having credit locked down XX/XX/2021 Fourth attempt of having credit locked down XX/XX/2021 No help with credit monitoring account XX/XX/2021 from customer services Customer service would not help and take care of the negative inquiries reporting to your credit report even after sending two certified mailers to company from USPS.

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 2022-07-25
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:
I am frustrated to see my Credit Report with no changes with the items I am disputing. I have been sending dispute letter to the Credit Bureaus asking favor that they remove the fraudulent item from my Credit Report since these items are completely unknown to me. I was a victim of identity theft and this is the letter I sent on XX/XX/XXXX was already my XXXX  request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I need the following items removed from my Credit Report now : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an email from Capital One saying the following : " Its been over 3 years since youve used this credit card account. As a result, the account will be closed due to inactivity on XX/XX/XXXX. Until then, the account has been restricted and cant be used for transactions or unrestricted prior to closure. '' I received no warning that it was going to close. I keep this card in case of emergencies. ( There was a time when I lost my primary credit card and struggled to pay for things for a while. ) I called customer service today ( XX/XX/XXXX ) and asked to keep the card open. They declined. They said they can't " change the status in the system, '' but they can send me the value of the rewards on the card ( worth around {$10.00} ) as a check. They confirmed that I received no warnings that my account was going to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Hillcrest Davidson & Associates
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hillcrest Davidson attempted to collect a debt that I was informed by the original creditor was closed. After numerous phone calls to my cell phone which included yelling and screaming at me, threats to damage my credit and threats to garnish my salary I sent them a cease and desist letter. In the mean time Hillcrest Davidson called my place of work and spoke to one of my employees telling them that they needed to speak to me. The employee asked who was calling and they told her they were a lawyer trying to collect a debt from me. I asked them to not call me at work again. I disputed the debt because of this and it was removed, I then received a letter asking me to pay the debt and the collection has reappeared on my credit report. This company are rude, unprofessional and aggressive. I have disputed this with XXXX  and XXXX but they claim that the collection and this company are valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from 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 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paying XXXX on Friday every 2 weeks since I received the card late last year. On months where there are 3 pay periods, Synchrony is misappropriating the payment by posting the extra payment to the previous month and charging a late fee for the current month because the next payment would fall a few days past the billing date. This is an obvious aggressive tactic to collect extra fees. 

I spoke with them and requested that they remove the late fees and post the payments correctly. They said that they would not and even if they could they would n't because the fees were for prior months. I just received the latest fee notice. Please find the statement printout ( excel format ) from XXXX and a copy of all the payments I have made from my bank attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Equifax has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX XXXX XXXX Acct # : XXXX since XXXX 2014. Not once have they provided me valid proof that it was mine XXXX that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: ALLY FINANCIAL INC.
State: MD
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:
Ally Financial, with whom I have an auto account, has not reported payment history or account updates to the three credit bureaus in 6 months. My last reported date is XX/XX/XXXX. The amount owed on my credit report is false, I am current on all payments - yet the status of my account is 30 days late. I have spoken with them twice to try to reach a resolution to no avail. I noticed the dependency after trying to apply for a home loan. Upon contacting them, learned that this issue stemmed from something that happened in XX/XX/XXXX/XX/XX/XXXX and they were " actively '' fixing it. They assured me it would be taken care of within 3-5 business days and would be updated immediately. Two weeks later, I contact them again after noticing there have been no updates to my account. I was then told the process would take more than 45 days. When asked why was I not notified of the issue or the changes that occurred with their system, I was told they did not anticipate it taking this long which is why consumers were not notified of the issues they were experiencing. This callous disregard of my account, it's negative effect on my life and the way it has been handled is unacceptable.

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 2016-03-23
Company: Paypal Holdings, Inc
State: CO
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I was purchasing services from an XXXX seller through PayPal, but the PayPal exchange rates were incorrect, making the total amount over {$40.00} more than I should 've been paying. We even called PayPal, and two of their representatives saw that the current XXXX/USD rate was 1 USD = XXXX XXXX, but PayPal was showing the rate as {$1.00} USD = XXXX. On $ XXXX, that 's a difference of {$41.00}. 

The PayPal representatives suggested we send the money directly to the person 's email, but the rate remained the same. Their other suggestion was to adjust the amount to the USD amount, but that would 've meant the seller would lose {$530.00} on the sale. 

This is not fair to buyer or seller. PayPal should have updated rates, but a XXXX search revealed their currency exchange rates are often six ( 6 ) months out of date. That should be illegal. 

In the end, there was nothing to be done but to pay the inflated PayPal rate, as we needed to pay the seller for the services required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past few weeks, I have been harassed by my mortgage company, particularly by this XXXX agent, XXXX XXXX. He talks down to me and is very negative. I had a call with him last week and one today, XX/XX/XXXX. He does not listen and talks over me and he talks to me like I am behind and will not pay, when I have paid them monthly. I sent them a letter back in XXXX when I had a major home repair that caused me to pay them after the XXXX of the month. They did not respond. 
I spoke with another agent who called and he gave me another fax number to resend the letter and I resent the letter successfully. They did not respond from XXXX when I resent the letter until yesterday. I received a letter confirming that they did not make a late report to the credit bureau. The first agent ( a female-XXXX on XXXX ) asked for when I would get back on point and I told her by XXXX. She did a review of my finances and said that I do have the ability to pay my mortgage based on my income and noted that I would be back on schedule by XX/XX/XXXX. I thought that would have ended the phone calls, but recently, XXXX XXXX has been harassing me and causing me stress.

Company response to consumer: Closed with explanation