BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX ) I bought a belt from a company- XXXX  on XXXX  on XX/XX/XXXX which was for {$85.00} XXXX ) They didnt send me the belt, I kept following up for a month where is my package but never received it. 

XXXX ) I asked the company to refund my amount as I havent received the product. They sent {$440.00} ( via PayPal ), which the seller company mentioned was a mistake. However, the belt was for {$85.00}. 

XXXX ) Yet, I transferred back the extra amount on XX/XX/XXXX which is {$330.00} ( After removing the cost of belt and PayPal fees ) via XXXX  app ( since it was to XXXX account ) ( XXXX  reference number : XXXX ). The company received the amount on XX/XX/XXXX. 

XXXX ) On XX/XX/XXXX, they filed dispute on my PayPal account. PayPal reached out to me regarding this dispute and I provided enough evidence that this is clearly a scam. However, on XX/XX/XXXX, Payal took out money {$420.00} from my account leaving my account in negative balance. 

XXXX ) I reached out to PayPal telling this is a scam from this company. However, they mentioned since the excess amount was returned from third party application, PayPal can not take any action on this transaction Please let me know if you need any of the evidence, I have secured all the images of conversation as well as transaction IDs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: CBC Companies, Inc.
State: NC
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 have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681S2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX  ) has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

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 2023-07-04
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: OPORTUN FINANCIAL CORPORATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On or around XX/XX/XXXX, my Oportun XXXX XXXX XXXX and phone was stolen and was used to make multiple fraudulent transactions which I reported to Oportun the following day after receiving email alerts from Oportun asking me to verify recent transactions which I responded that I didnt authorize. My card was blocked by Oportun and a claim was filed for the the following XXXX charges ; XXXX # XXXX ; {$610.00} XXXX XXXX XXXX ; {$200.00} XXXX XXXX XXXX : {$25.00} XXXX received my new Oportun card in the mail shortly after and activated it but as of today XX/XX/XXXX, those fraudulent charges are still reflected on my account with interest and late fees being charged for the past two months totaling a current balance of {$950.00}. I dont know if my credit score has been negatively impacted either. everytime I called Oportun almost on a weekly basis to get an update and spoke to multiple supervisors, I was told the same thing, just to wait. Until two days ago I found out that Oportun transactions review department didnt finish confirming the fraud that happened in XXXX because along those three fraudulent transaction I posted above, there were other attempted fraudulent transactions which were blocked by XXXX fraud system and they wanted to verify if I was the one making those transactions. I confirmed to them that I indeed didnt authorize any of the attempted blocked charges in question and they apologized that it took this long. It has almost been 90 days and no resolution has been provided. Shame on Oportun

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I just went through a bank merger from Peoples United to M & T bank. Upon access to my new online account, I discovered incoming ACH payments are displaying the senders social security number. 

I tried calling them but I can not get through on the phones because they are flooded with issues related to the merger.

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 2020-03-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCY ACCOUNTS HAVE BEEN DISMISSED AND I WOULD LIKE TO HAVE THEM PERMANENTLY REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAVE DAMAGE AND HARM MY CREDIT FILE WHICH HAS CAUSED ME TO BE IN DISTRESSED BECAUSE ITS HAS STOP ME FROM ACQUIRING NEW CREDIT AND HAS PUT MANY PERSONAL ISSUES ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization.

Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer.

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.

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 2023-06-26
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted Bank of America today XXXX XXXX, XXXX regarding my interest rate to request a rate review and to ask why my rate has gone up from XXXX XXXX XXXX XXXX XXXX despite over 10 years of timely payments and excellent credit history. I was told my variable rate is tied to the prime and the fed had increased rates nearly 8 times since XXXX. They advertise XXXX XXXX starting rate for new consumers and I asked what criteria is used to determine if a new applicant gets the XXXX XXXX XXXX XXXX XXXX, I was told nobody could answer that question ( I was first told by customer service that they would transfer me to underwriting for an answer then they could not answer and finally a manager in underwriting told me nobody at the company could/would answer that question ). I was told the best they could do was lower it by 1 % based on some sort of offer they had right now. How can these companies continue to increase rates for consumers with excellent credit and credit history and not have to disclose how they are making these determinations?

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 2023-10-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last year I tried to open a business account. I went to the branch to ask what type of information would they need to start the process. The young lady that initially help was acting very strange. Without giving me anything or any information. I was being forced out of the location with threats of calling the police. As I walked towards the exit the manager pulls out his phone an called 911. Before traveling less then a block police sirens where wisking throughout the area... .I will try to retrieve the information that may have been emailed about the dispute. Also in XX/XX/2023 tried to cash a check totally denied an could not ask questions because of past experience. All help is appreciated I am a XXXX XXXX  XXXX  XXXX  all support welcomed..

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 2022-10-17
Company: OneMain Finance Corporation
State: MO
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 contacted One Main Financial in XX/XX/2022 to inform them that a statement they have on my credit report is causing me to be denied credit. They have the following comment on my credit report " Loan modified but not under a federal government plan ''. I called on two different occasions in an attempt to get them to either remove the comment or add dates to the comment so that it is clear that the loan is not currently being modified. 

This statement on my credit report is vague and misleading. One Main Financial has a duty to report factual information. The statement is misleading because it is causing other 'lenders to believe I am currently under a loan modification when I'm not. I requested that the supervisor contact me and no one ever did. I also requested that they send another copy of a letter that they sent saying the modification ended. They said that they would email it and never did. 

I spoke with their customer service department and their credit department. Everyone I spoke with kept referring me back to customer service. The customer service agent understood the issue I was having and the credit department refused to work with her to correct the issue. The credit department at One Main is the only one that is allowed to make changes. My loan was never modified. I only had a payment deferred. There were no changes made to my payment amount or to my interest rate. The statement on the account is misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America and XXXX XXXX XXXX and myself had a conference call on XX/XX/2023, regarding a double payment of {$400.00} from my BOA checking account to my XXXX credit card account to verify if funds cleared my BOA account. 
Bank of America told the XXXX representative and myself to call back the next day because the XXXX {$400.00} payments was processing still. On XX/XX/2023, XXXX XXXX XXXX XXXX Representative and myself conference called BOA again and BOA representative verified the XXXX {$400.00} payments had cleared my checking account. 
XXXX XXXX XXXX XXXX then, credited my XXXX XXXX checking account {$400.00} to correct the double payment error. 
Bank of America turned around and sent both {$400.00} payments back to XXXX XXXX XXXX XXXX as NSF on XX/XX/2023. 

I have two complaints with Bank of America. First Complaint is I deposited my check of {$2800.00} in BOA on XXXX XXXX. BOA told me a one day hold until XXXX XXXX. I received the funds {$2800.00} on XX/XX/2023. 
I then, made payment with XXXX XXXX XXXX XXXX for my credit card with XXXX out my BOA Checking account. 
Bank of America came back and took the {$2800.00} funds out my account and said check on hold until XX/XX/2023. 
On XX/XX/2023, BOA put the {$2800.00} back in my account for the second time. I the mean time I called Bank of America and spoke with the call center and was told Bank Of American would honor any payments that came through my account from XX/XX/2023 to XXXX XXXX and I would not receive any NSF. 
Complaint 2, Bank Of America returned both {$400.00} payments to XXXX XXXX after verification on XX/XX/2023 to XXXX, They ( BOA ) had cleared the XXXX {$400.00} payments. 
Now, I have received NSF from XXXX XXXX XXXX XXXX on XXXX {$400.00} NSF fees. 
I was told by Bank of America call center representative XXXX, BOA is charging me two NSF fees as well. XXXX had filed a complaint with BOA for me as well. BOA Complaint number XXXX XXXX XXXX. 
BOA have me out here looking like a complete fraud to XXXX. 

Oh and Bank of America removed all the HOLD information from my checking account. Trying to cover up what they did, when they took the money back out my account. However, showing the money in my account as if it was never taking back out. But show both {$400.00} being returned with money in the bank Bank of America is a complete fraud!! ( How is Showing Money Available but returning check fees possible? All a BOA discrimination and defamation conspiracy.

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