BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received notice of a possible fraudulent charge to my PayPal account. I got that canceled. Then I asked the PayPal customer rep to cancel my account. He couldn't, so he referred me to a senior technician, who asked me to install " XXXX '' on my computer and give him complete control of my computer. I refused. He told me that if I did not give him complete control of my computer, he could not cancel my account and I would furthermore have to pay the {$500.00} fraudulent charge. When I still refused, he told me I was NOT President of the United States, and I therefore had to do what he told me. 

I then looked for a street address for PayPal, to which I could sent a letter documenting this. When I could not find that, I tried to find a way to send that via PayPal.com. When that failed, I decided to sent this to you. Below please find the letter I had planned to send to PayPal. Thanks. 


Please cancel my PayPal account. 

Can you please assure me that I will never again be bothered by PayPal? 

I will herewith summarize my reasoning : ( 1 ) I rarely use PayPal. 

( 2 ) I received an email from PayPal stamped XXXX XXXX XXXX XXXXXXXX saying, " There is evidence that your PayPal account has been accessed unlawfully. {$500.00} has been debited to your account ''. I ignored the link in the email. Instead I signed into my PayPal account, found the transaction, and tried to cancel it. 

( 3 ) I found the verbiage confusing, so I called XXXX at XXXXXXXX XXXX Central. I spoke with " XXXX '', who helped me cancel it. I then asked him to cancel my PayPal account, because I use it so seldom, I do not want to be bothered with this kind of thing ever again. He did not know how to do that. He then referred me to a senior technician, XXXX XXXX. XXXX XXXX then asked me to download and install " XXXX  '' on my XXXX, which I did. He then asked me to give him complete control of my computer, which I refused. He then continued by saying that if I did NOT give him complete control of my computer, he could not cancel my PayPal account. In addition, I would be charged the {$500.00}, which " XXXX '' had previously confirmed to me was cancelled, and which shows canceled, when I checked just now over 24 hours later. 

( 4 ) I found the request for complete control of my computer shocking, suggesting that XXXX XXXX was trying to defraud me. 

( 5 ) FYI, I'm a native XXXX speaker. The accents of the people with whom I spoke, " XXXX '' and " XXXX XXXX '', sounded to me like subcontinent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to make a transfer into my Kabbage business checking account using their mobile app on XXXX/XXXX. The bank that I was transferring funds from had recently changed their banking partner ( this is a XXXX XXXX XXXX  ), so the routing number had changed. I forgot about this and therefore the transfer was returned as I no longer had an account at that bank. Once I realized my mistake, I updated the routing number and attempted another transfer. Before that transfer could go through, the Kabbage app reported that my account had been locked and that I needed to contact Kabbage support. I also received an email stating that there was suspicious activity on my account and that " activities may be temporarily restricted ''. 

Upon calling them on XXXX/XXXXXXXX I was told that my account was permanently locked under suspicion of fraud and that I would not be getting my deposit back. I waited a few weeks and contacted them again via email on XXXX I was told the same via email, that my account had been permanently locked and that the funds I had on deposit would not be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MI
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 filed a dispute with XXXX, XXXX and Experian. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 


I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.

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: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have no recollection of what this bill is for. I never used an ambulance in this past year,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filed a dispute with transunion, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This pertains to XXXX credit cards that I had with XXXX. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted XXXX ( via phone on XXXX, XXXX ( XXXX different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At this time, all XXXX cards were cancelled, and I only asked to receive a replacement for XXXX of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from XXXX was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the XXXX 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from XXXX XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, Experian, and XXXX Identity Theft groups. XXXX had posted a negative report ( late payment ) for a balance on XXXX of the closed cards. Experian made initial attempts to rectify, and XXXX rejected the claim as invalid. I provided Experian with the written confirmation from XXXX that this was fraud that I was not responsible for, yet it appears that XXXX tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.

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 2022-09-27
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank. 

I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX  XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined. 

I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit. 

Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase. 

Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card. 

After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card.

I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card. 

I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error. 

I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry! 

My original complaint number is : XXXX. 

I do intend to take this further if I am not restored to my original position. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Google card purchase partial numbers came off when scratched 2 cardsXXXX XX/XX/XXXX couldnot get help. Purchased at XXXX XXXX Google card purchase when tried to redeem said more info needed XXXX XX/XX/XXXX Purchased at XXXX XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info- claim rejected 3 XXXX cards purchased at XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info-claim rejected 3 XXXX cards purchased at XXXX this is just some of the cards that I have tried dealing with. I have another XXXX purchased at XXXX XXXX need more info- claim rejected XXXX card purchased at XXXX XXXX need more infor claim rejected. 

Company refused to refund the money for these purchases. i have faxed the request to the company many times with no answer. Have been told go to retailer. retailer says deal with google. Have even complained to XXXX  and google says they stand by they are not refunding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Core Advisory Group, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  of  2015  I received a letter from CORE ADVISORY GROUP saying they could help me with my mortgage. they offered a huge principal reduction of  XXXX  and a decrease in monthly payments as low as  XXXX . Their fee was  XXXX . I had about 20 days until my next court date to prevent a default judgement and a sale date on my home. I paid the money to CORE. CORE then connected me with another person to help writing letters on my behalf to the bank. The bank offered me a modification with no principle reduction and no huge monthly low rate as advertised. I contacted CORE and was told since I was offered a modification their job was done. I talked with  XXXX ,  XXXX , and  XXXX   XXXX . CORE never showed up in court as promised on the phone.   They stopped taking my calls. CORE misrepresented their sevice s. CORE ADVISORY GROUP is a fraud. I am still seeking help.

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 2022-12-08
Company: LEXISNEXIS
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 received a notice in the mail today regarding my previous complaint being closed, Complaint # XXXX. 

I have a bankruptcy report on my credit report, I've reached out to XXXX regarding this incorrect information. They informed me that LEXISNEXIS is the one that sends them this and I would need to reach out to them regarding thing incorrect information. 

I've reached out on multiple occasions and they have yet to send me any response regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
MCM is the company that has been harassing me and my family. They've called my sister on numerous occasions. They've called my mother. I've called them and told them to cease and desist... It appears as if they resubmitted my debt as if it were new this year, and they started contacting me and my family again. I again sent a cease and desist phone call. And now my sister is just received yet another phone call.. has been going on for 3 years at least probably more like five. 

Like I said they have just contacted my sister for the fourth time in total. I had been in contact with them previously. I received the letter that they sold my debt.. and then I received another letter shortly thereafter that they've purchased my debt. Or at least as far as I can tell.. credit karma is not very descriptive so I had to suss everything out myself. 

Midland credit Management is who I'm referring to. 

The photo I provided as a screenshot of my sister 's phone... not really very helpful whatsoever but that's the number they contacted her from. 

According to her they asked for me. She asked what it was regarding, they said nothing. She asked if it was medical. They said they couldn't say and then she asked if it was financial and they alluded to her that It might be and " it is in my best interest to speak to them '' they insisted that they speak to me.. and literally asked my sister to find me and give me the phone to speak to them while she was at work. 

We no longer even live in the same house. We only share our last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was contacted by Wells Fargo via two letters that indicated my account would be closed due to reports that the bank had received regarding identity theft. I have two letters, one dated XX/XX/XXXX and one XX/XX/XXXX - both arrived the same day - both reference the same account - both give different dates of cancelation of the account ( s ). I called the bank to find out why I have received these letters. I DID NOT open any new accounts with Wells Fargo, I do NOT have any existing accounts with Wells Fargo and I did not give my permission to open an account with Wells Fargo. They refused to help me over the phone. I called the Fraud and Claims Management department. They would not open a Fraud case and they indicated that could not give me any information about " my '' accounts and they told me I had to go in person to a location to resolve the issue. I do not live near a Wells Fargo bank and would not be traveling to go fix a problem that I did not create. Wells Fargo allowed a fraudulent account to be opened in my name. They refuse to tell me how, where or with what documentation they allowed an account to be open. Nor would they disclose what type of activity was going on in this fraudulent 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
furnished information without my consent

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
My complaint is against Freedom debt relief. 
This company has been charging me excessive fees that I was not aware of it. 
I pay monthly {$300.00} and they take only {$70.00} for my debt and they keep the rest as a settlement fees. I called customer service and they were rude and I have gotten 2 different responses in regards my payments. 
I was only aware of a small fee charge for the settlement but what they are doing is completely wrong and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) Experian ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( I called XXXX and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Early Warning 's report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation