BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi dear PayPal team! 

You have sent me an email that you are revewing again the case and transaction to decide for a refund as I didn't get the item paid for. Please get back to me and decide for a refund as I have lost {$360.00} from this transaction. 

Best regards, XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : <XXXX> Date : Monday, XX/XX/XXXX Subject : Case Number : XXXX To : " XXXX '' <XXXX> Dear XXXX XXXX, We have concluded our review of the following case : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transaction Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : - {$360.00} USD Your  Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We can see that your payment was completed almost two years ago, which is now outside our 180 days Buyer Protection timeframe ( on the XXXX of XX/XX/XXXX) We can see, as well, that you have closed the dispute most likely because it has been requested to do so or because you expected the item to arrive correctly. 

Then on the XXXX of XX/XX/XXXXyou reported the transaction as unauthorized, but once no unauthorized access was found on your account, we could confirm the payment was, indeed, completed by you. 

We do understand you still would like to receive your funds back, but so far we have no evidence that the item has or hasn't been shipped and delivered correct to you. 

Please keep in mind that this payment is now outside our Buyer Protection Policy,  but we would like to clarify as much as possible if the seller has or hasn't shipped the item to you. 

Feel free to provide us with any evidence you might have that helps confirming this item has never been sent to you ( such as email, message exchange, XXXX comments, anything that might help us clarifying your constant appeal ). 

Please email us at XXXX, but keep in mind this payment is not covered by our Buyer Protection Policy anymore. 


Yours sincerely, XXXX XXXX PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Help : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please do not reply to this email because we are not monitoring this inbox. To get in touch with us, log in to your account and click " Contact Us '' at the bottom of any page. 

Copyright XX/XX/XXXXXX/XX/XXXXPayPal Inc. All rights reserved. 

Consumer advisory : PayPal Pte Ltd, the Holder of the PayPal payment service stored value facility, does not require the approval of the Monetary Authority of XXXX. Consumers ( users ) are advised to read the terms and conditions : XX/XX/XXXX carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: AR
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:
Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Brokers XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX 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 explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case XXXX XX/XX/XXXX, {$1500.00} was paid via electricians XXXX account to re-wire the electricity at my house. The deposit was {$1500.00} and he charged {$90.00} for tax. Five or so days later he didnt have the money in his account so I called Capital One and was told there was a hold on the payment and I asked for it to be released. By XX/XX/XXXX, the electrician still had not received the money so he asked me to cancel the payment and pay him a different way. So I paid him {$800.00} via a cashiers check on XX/XX/XXXX from my XXXX XXXX XXXX XXXX account and XX/XX/XXXX for XXXX with the Capital One card to satisfy the deposit for electrical services. 
A week or so later, XXXX XXXX said that he never received the {$700.00} payment because he had a closed bank account linked to his XXXX account and could not get that money. So I called Capital One again asking for an adjustment so I could pay him a different way. 
On XX/XX/XXXX, I submitted a XXXX payment for {$720.00} ( includes process fees ) so that he could get the {$700.00} from my credit union account. 
XXXX XXXX has been paid in full for his services. XX/XX/XXXX and XX/XX/XXXX, I paid him {$750.00} each time. The total cost for his services was {$3000.00} and he has been paid in full. 

However, Capital One claims the money was sent to XXXX XXXX for {$1500.00} and he maintains he never received it. I have been disputing the charges with Capital One, the Credit Bureaus, and tried to with my bank but nothing has happened. Now I owe {$3000.00} in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a car from Carvana and they state that all maintenance was done on the car before purchase. After 2 weeks of having the car the change oil light came on. When I contacted them they said too bad, this is routine maintenance. I had to pay for it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: OH
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 sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}

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 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When Simple merged with BBVA on XX/XX/XXXX, I tried to set up my account multiple times. In the meantime, the Simple app was completely non functional due to the switch. So I have no way to see my money or anything. I went to register with BBVA. It originally could not find my account and to call. So then I went to the website and I saw they were having issues. Ok sure, it is the first day. I can be patient, i'll try again tomorrow. 

Tomorrow comes and I get farther through the process until I get an error saying to call as well nothing super specific. So now the third day I try and it says an account has been created with one of my accounts and to call. There have been multiple reports of this besides mine but you wait ~20 minutes on hold, call hangs up. You call the SPECIFIC number for these issues, they transfer you to a new waiting line. BBVA has openly acknowledged their failures with no solutions in place for consumers to access their online banking and therefore be able to see how our finances are. I cant pay my bills. The even more messed up part is we have no bank literally at all that can help. We cant even check our balances through old school methods because they havent fully transferred our accounts. They are holding our money though with no way to access it. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: LEXISNEXIS
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:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-02-28
Company: ID Analytics, 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:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX  XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : XXXXXXXX XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/ I mailed a dispute to Transunion. They sent me a letter stating that the dispute doesn't seem to have came from me so they didnt process it. I replied with the letter and advised them that the letter did come from me and to process it, which they DID NOT do. On XX/XX/ I sent another letter and again, it was not processed but they responded with the same auto response. My disputes are not being validated within the 30 days per the FCRA and they have not handled this appropriately.

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: Empower Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX will not send out debit cards. Its been 2 weeks and they refuse to get a card to me. Their solution is just sending another card so they can hold my money another two weeks. Ive waited well past the 9 business days. These people are charging money and not providing the services they claim they provide.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Around the beginning of XXXX a friend told me he couldn't open a bank account and asked me to open on for him to deposit his checks from work. Me feeling bad, i agreed to do so. He deposited a few {$500.00} checks. Later though out the week, my mom had got mail telling me I owed my bank money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I disputed this account with credit acceptance with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!

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 2022-01-28
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had my SoFi money account hacked on XX/XX/2021. They got into my account, changed my primary email, password, and phone number. Once I checked my account that day and saw the fraudulent charges and transfers, I immediately filed disputes for all fraudulent charges and transfers that had been taken out up to that point. I also instructed the customer service team to freeze/restrict my account so no further damage could be done and no more money could be stolen. I was instructed to call back to file the rest of the disputes the next day on XX/XX/XXXX because they couldnt file disputes while charges were still pending. I woke up the next morning to another {$5600.00} taken from my account. SoFi did not freeze/restrict my account as I instructed which allowed more money to be stolen. By that time the hackers had stolen {$10000.00} in funds from my SoFi money account. I filed a police report for felony grand larceny on the XXXX when I was able to show evidence of all fraudulent transactions to the police. I then sent the police report to the fraud department at SoFi. After over two weeks of zero contact from them via phone or email despite my many calls and emails to them, they denied all disputes saying they see no evidence of errors. Every person I spoke to from the customer service department said its very evident its fraud but that decision is up to the security/fraud department . And now my account is frozen while they investigate. Which means I have no access to the remaining funds in my SoFi money account. I have done everything humanly possible to demonstrate this is fraud at a high level and SoFi still denied my fraud claims. They tout their platform as very safe and zero fraud liability for their customers. Which is the exact opposite of my experience with them. My life savings was stolen from me and they are doing nothing to help me as a SoFi customer. I want this investigated and I want everyone to know how awful SoFi is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I purchased a home in 2019, he passed away, I was making pmts on time. I contracted XXXX late XXXX of XXXX and went on Forebarence plan. After I was ready to resume pmts was told loan was sold to Shellpoint mtg. I called to ask them if I can resume pmts, they said no, my file was not ready yet so hold off. then after a lot of calls, they told me I need to apply for a " assumption modification '' and 5 months later still not in underwriting, Im in forcloseure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX FL XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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