BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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:
Experian and XXXX along with other companies XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.

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 2018-08-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I had made 2 payments to a receiver the first one for {$970.00} and the second one for {$110.00}. The second payment went through fine but the receiver said that the first one was listed as unauthorized and that they couldnt access the funds. I was then received an email from Paypal stating that I reported my payment as unauthorized and that I set up a dispute caseit even stated that I made a comment about it being a spoof claim. I did none of these things. And because a dispute case ID was created in error, I had no access to my funds. That payment was due the day that I sent it. I am already in financial trouble now, and I only have a few days left of my semi grace period that was so kindly extended. I called so many times, I talked to 14 people total was transferred a total of 9 times and was on hold for a total of 7 hours. Every single representative said that I needed to talk to someone else and every single time I was transferred not a single person picked up. And I was calling internationally so it cost me a fortune to wait for nothing. I emailed multiple times, and tried different departments. On XX/XX/XXXX my account activity said that my {$970.00} was transferred from bank and that the transfer was completed. It did not say where to and it said that it was transferred from my paypal balanceI did not have any money in my paypal balance. That money was supposed to be correctly refunded back to my debit card that I used, and the funds would have been accessible within the day. Instead, there was no communication, and I have no idea where my money it. It is not in my account, and my bank looked into it and said there isnt even any sign of a refund pending and they have even started a claim. I need that money immediately, I am now in financial trouble due to an error from Paypal and they are ignoring my concerns and not helping me. They can not hold my money like that for no reason and not communicate with me to tell me where it is and why I do not yet have it. I feel as though I am being scammed. I need that money returned asap. I have even contacted their executive office and no one will respond to me. It is illegal to hold someones for no reason and without communication. This is an emergency for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.

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 2017-08-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied CITI Business AAdvantage platinum select credit card in XXXX. The card was initially declined due to a previous application in XXXX. So I called the customer service and requested a reconsideration. About 3 week later, I received the approved card in XXXX. Then I immediately called in to activate the card and double check with rep about the opening bonus, which is that get XXXX AA mile with spending {$3000.00} in 90 days. However, I was told I am not eligible since I closed the account in XXXX this year, which is against CITI 's policy that applicant wo n't be eligible for the bonus if they open or close the same product within 24 months. But the truth is that I have not had this card for almost three years. I applied this credit card in XXXX and closed around XXXX or XXXX in the same year. Thus I felt confused and also surprising that the system identify I closed this product just in XXXX this year. Technically, who is opening the same card within one month. It is not logical for the applicants. Thus the suspicious reason to lead this issue might happen during the consideration period manually. So I called in a couple time and tried to communicate with the rep and the supervisor. However, they neither can tell me how the account was closed in XXXX XXXX without any card not call indicate what the error to lead the closure. They blame me to request to closed account. Frankly, they should record the conversations I called each time. The easier way to find who requested the closure is to replay the voice record. I know I did not request that since I have not have this card for three years. So they should make a full investigation and give me a convincing result. in the end, I request CITI to honor the bonus.

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 2020-10-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I apply for credit to buy-new tv on line whit XXXX electronics on XX/XX/XXXX. I received my tv after abat a week at my address the company that finance my tv was TD bank I call to set up a automatically payment from my bank account and for some reason they put wrong bank account information. After 2 months that I dont see any transaction for that account I set up payments whit my bank to have my bank send the payment to TD bank but by then TD bank was generated late fees because the wrong information.after that I decided to close my account and pay off my balance, but I still have a problem whit them and I still receiving letters about the account that they have on file. I call this number XXXX XXXX and they put me on hold for hours total balace was {$670.00} my bank send 4 payments of {$40.00} and 1 of {$520.00} total {$680.00} and I still receiving bills to my address for unpaid balance. Thanks very much in advance for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for capital one credit card and got accepted. XXXX XXXX saids i did not get accepted and lowered my score when that is not correct. XXXX XXXX saids to contact this site. It gave me a inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I successfully transfer money earlier today by using money gram to do the transaction. When the receiver went to collect the money they had a note for the sender to call money gram. When I did they start asking me personal questions! I provide them with whatever they wanted, then they said they have to transfer me to security. I said ok! Then they told that the security not gon na clear the money. I asked why they said they not gon na give me a reason, then told me the money wont be available to me for another 3-10 business days and can be longer! If for some reason they didnt want to transfer the money but why do I have to wait for up to 10 days for my money to be sent back to me! And they was very rude about it. I wont be using their services any longer just want my money to return back to me ASAP or the same time when I wasnt the one to not release the money or not sure why they didnt release the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I am a victim of fraud. An individual pretending to be a landlord requested two wire transfer 's, first transfer for {$4200.00}, second transfer for {$3700.00} for a total of {$7900.00} to cover a rental deposit and three months rent. I regrettably initiated both wire transfers from my personal checking account at XXXX XXXX  XXXX. The first wire transfer was sent on XX/XX/2018 and the second wire transfer was sent on XX/XX/2018 to an account with Chase Bank. I am submitting this complaint to seek aid in receiving a refund. I sincerely appreciate your time and attention to this. Please let me know what additional information I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
Equifax was responsible for inadequately protecting consumer personal information, and increased my personal vulnerability to fraud as a result of my personal sensitive information being exposed along with millions of others from XX/XX/XXXX thru XX/XX/XXXX of this year..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: VA
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:
Reached out to the bureau requesting validation of debt for charge off account for XXXX on my credit report I sent the first letter to them on XX/XX/27 and they sent a updated report with changing the payment status date I resent another requesting for verification of the debt and they still have not sent results or any documentation. I also sent another letter on XX/XX/27 and XX/XX/27 as well to the credit bureau and they sent no response and its been over 60 days. They only sending updates on the credit report with changing the payment status dates and payment history back and forth and all three bureaus are not reporting the same across all three. I requested investigation to be re done XXXX times as well as sent documentation of proof with also factual data showing the inaccurate information and investigation still have not been resolved and no response from the creditor or correct investigation from the credit bureaus.

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 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Capital One Bank USA/Capital One , has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I requested closure of my prior Key Bank checking account originally opened in XX/XX/XXXX. I was told it would be closed in 1 -2 business days. 

On XX/XX/XXXX, more than 1 year later, I opened a new Key Bank checking account and met all requirements to receive a {$200.00} bonus for making a {$500.00} paycheck direct deposit into the new account. 

Key Bank has failed to issue me the {$200.00} bonus. When I asked why, I was told that my prior Key bank account had not been closed until XX/XX/XXXX in their system and that since it had been one year since I had last had a Key Bank account, I was ineligible for the bonus. 

This is utter nonsense because I requested closure of my prior account on XX/XX/XXXX so it should certainly have been closed more than 1 year prior to opening the new account. If my account was in fact not closed by the bank in their system until XX/XX/XXXX as they claim, that is entirely their fault for taking excessively long ( 16 days ) to close the old account ( I had been told it would be closed in a few business days ). There was no activity on my end that kept it open after I requested closure on XX/XX/XXXX. 

They obviously just want to cheat me out of the bonus. But I should not be penalized for their slowness in closing the former account. Further, I note it is literally exactly 1 year since they say they closed the old account vs. when I opened the new one, so they are being absurdly unfair and splitting hairs by one day - WHICH AGAIN SHOULD NOT BE THE CASE BUT FOR THEIR INCOMPETENCE. I'm sure if I owed them money, and was 15 days slow in paying, they would me accountable. 

Based on the facts, I clearly closed my former account MORE than 1 year before opening the new account, and therefore have met all their requirements and should be issued the {$200.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I contacted my Loan servicing company ( PennyMac ) and submitted an application for a cashout refinance program, to remove my MIP and escrow from our current FHA loan. I submitted all the necessary documents timely for review and consideration. We worked hard for months to pay off all of our credit cards, loan amounts, and any outstanding issues that could be problematic in preparation for the new loan. We were led to believe, due to the amount of equity available, ( greater than 60 % ) we would entertain the maximum cashout we would qualify for. We received the ( LE ) Loan Estimate with a preliminary rate of 4 %. Additional documents were required to qualify for the maximum loan amount to maintain our DTI under 49 %. We specifically advised the loan officer although we are interested in the maximum loan for cash out, we would consider a lower loan we would qualify for, excluding escrow. Our total income submitted for the loan is over {$160000.00}, with no credit card and auto payments, with a middle credit score of XXXX. We believe the loan was denied because we insisted to proceed without escrow. We were never offered a lower loan amount, which we told the loan officer we would accept if our DTI ratio would not qualify for the maximum cash-out. I would like for your office to fully investigate my complaint for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: AL
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 is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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