BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I filed a complaint against PayPal Inc. regarding my funds being frozen The complaint number is XXXX with the CFPB. 

PayPal responded through the Consumer Financial Protection Bureau portal and said that funds on Account 2 ( XXXX XXXX would be available for withdrawal on XX/XX/2020, and funds on Account 1 ( XXXX ) would be available for withdrawal on XX/XX/2020. Please see attached " PayPals Response to your CFPB Complaint.pdf ''. 

Yesterday, when attempting to withdraw funds from Account 1 (  XXXX ), I still get an error. Please see attached " error.jpg ''. 

I contacted PayPal through their customer service Message Center about this, and they replied stating that the funds would be held for 180 days and that I would receive an email when the funds would be available to withdraw. Please see attached " PayPalContact.jpg '' and " PayPalReply.jpg ''. 

Again, I would like PayPal to release the funds for Account 2 immediately as they promised so that I can avoid having to take legal action. It should have been available yesterday, XX/XX/XXXX, but there is no way for me to make the withdrawal and customer service is refusing to help. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
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: Account information incorrect

Complaint:
Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, XXXX on time, Experian 30 days. Also XX/XX/XXXX : XXXX on time, Experian on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, XXXX on time, Experian 60 days. Also XX/XX/XXXX ; XXXX on time, Experian on time, XXXX 30 days. 
Date Last Active : XXXX XX/XX/XXXX, Experian XX/XX/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 2020-11-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have repeatedly asked for evidence to support XXXX 's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX Inquiry by Capitol One credit card. 
Capital One -someone tried to apply for a credit card in my name XXXX XXXX someone tried to apply for a credit card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A safe balance account was opened with my Bank of America account without my permission and a debit card was shipped to my old address.

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: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/23 I was told to " apply '' for a loan to purchase my scooter from American First Finance. I was approved for said " loan ''. When the scooter was delivered to my home, I was asked to sign using a tinted XXXX  device that had a colored screen protector. I was asked, sign here, sign there etc. Then I received an email from the financing company, that what I had just signed for was a " Rent to Own '' option. Charging three times more than the cost of the scooter. The fees were never discussed or emailed to me. I called the finance company and was told, I can pay it off in 101 days with said fees attached! This is not a " loan '' or a finance of any means. I was scammed into using this company and now have huge fees and penalties to get out of it. American First Finance never communicated any of this information to me prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: NY
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:
Hi there, So I have been going back and forth for 2 years now in regards to this issue. This is in regards to the XXXX dollar dispute againstXXXX. When I filed the disute I found out that this paymentI made throughXXXX  went through even thoughI canceled it right away the same day. So I thought my funds weren't taken out of my account since I have canceled it and it says it was canceled on theXXXX. 

I then find out the funds were indeed taken out and so I went ahead and filed a dispute because the merchant wasn't giving the item and my funds were gone. This dispute was not resolved in my favour becauseXXXXsaid they did their job and provided the service by transferring the money. 

My question is if I canceled the payment how on earth did they get my money and send it anyway to the merchant and without my knowledge? .And even so I never got the items from the merchant themselves. 

So i contactedXXXXand they told me that it was a tech error on the application and therefore i dont qualify for a refund which is crazy because I did cancel it and yet they still went behind my back and took out my funds. 

I emailed them as well about this and they said that there was a charge back held from citi bank because I DID CANCEL and the payments were REVERSED FROMXXXXBECAUSE I CANCELED butXXXXstill went ahead and called you guys to get the money. WHICH I HAVE NO IDEA WHY AND HOW. 


I canceled the transaction on XXXX XXXX for this money transfer and it still went though without my knowledge then when I saw in my credit card that I was charged I then reached out to the merchant and told them to please give my money back and if not then send me the items I paid for they never gave me my money and they never gave me my items and kept ignoring me. I took this to my credit card company and they didn't do anything about it I also took this to XXXX XXXX and they didn't do anything about it. It has been hard paying this off and I'm collecting interest and on top of it the pandemic took my job and I Just cant pay this off and I shouldn't be paying this off when I was a victim of fraud. So please I am begging to please help me out here. You guys are my last hope. I went everywhere and no one seemed to help me out.

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 2022-09-17
Company: 1st Franklin Financial Corporation
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.

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 2023-07-27
Company: SLM CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a XXXX student that will be attending XXXX XXXX XXXX in XXXX. I was approved for a XXXX XXXX loan through XXXX. However, when I tried to get a small private student loan from Sallie Mae, XXXX reported to Sallie Mae that I have student loan delinquency. This is not correct, I have confirmed this with my servicer XXXX and XXXX. When I called XXXX to get information they told me that they could not provide who is reporting the delinquency and I am not showing any other servicer or delinquent account anywhere. This has caused me to be denied for my private student loan and now have to wait before I can apply again because I have no way of trying to obtain a private loan until XXXX is showing accurate information. I do not have any delinquent student loans and I only have one servicer, XXXX, who has confirmed my information as in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 a person pretending to be a customer service representative from XXXX guided me through a problem with my phone. They instructed me to fix the problem through XXXX XXXX. In the course of the conversation they gained access to my Bank of America savings account and used XXXX to make unauthorized transactions on my account totaling XXXX. I reported this to Bank of America, but they have not credited my 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 monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from XXXX, XXXX, or Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-11-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had my checking account locked and it can not be unlocked unless I call in with a verified phone number. I have only the one phone number but they still can not verify me and now all my funds are locked and I can not feed myself. 

On XX/XX/XXXX I deposited a cashiers check from progressive because the teller would not cash the check. I then had my account frozen and was not able to unlock it unless I called in with a verified phone number. I have no other number and this is my number associated with XXXX  and XXXX. Additionally I called my phone company and they said my name is on the account. Therefore there should be no issue cashing out my available balance. When I attempted to cash out a part of my available balance they had to call the Citi bank fraud team who once again locked my account because I dont have a verified number. I was unable to unlock it even when I brought in a passport and my social security card and asked to please close the account. They declined and said theres nothing that I can do until I get a verified number. I have no idea how to get a verified number and why the system Citi uses blocks me from accessing my own money. I have called over 7 times a day and have no resolution or response

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 2023-03-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2018-11-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX   XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX  XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX  and XXXX  removed the info from my XXXX permanently. XXXX  removed the info then added it back to my XXXX after a couple months.

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 2018-10-08
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2023-11-26
Company: Bridgecrest Acceptance Corporation
State: TX
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:
I tried to contact Bridgecrest twice. Both times they would not talk to me because my social security does match what they have. This is not my agreed loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX  via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX  in XXXX. I then call XXXX  on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX  recorded our phone call admitting that I paid in full. Please help with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', XXXX XXXX, COMMONWEALTH FINANCIAL SYSTEMS,  XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.REMOVE ID FRAUD ACCOUNTS FROM CREDIT FILE ASAP

Company response to consumer: Closed with explanation