BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: BARCLAYS BANK DELAWARE
State: CT
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:
I opened a Barclays account through XXXX to finance a laptop. Once I paid off the balance I closed the account but it didn't close rather 2 new accounts opened without my consent or knowledge.

On one of the " new '' accounts I received a statement via email saying I had a balance due. I phoned the number and reported this as fraud. I spoke with the fraud department again on XXXX XXXX and they said the charge had been declared as fraud and removed and a credit was posted on XX/XX/XXXX. 

On XXXX XXXX I received another email saying : " Your account is now seriously delinquent. We want to help and may be able to offer you options to prevent this account from being charged off on XX/XX/XXXX. 

But you must contact us immediately. '' I have spent hours on the phone with this company trying to close the two fake accounts that were never opened by me and to get the balanced removed off of my record! 

Thank you 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 2023-05-09
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I placed XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX, and attempted to order 1 black /gray and 2 white t-shirt packs which qualified for free shipping {$9.00}. However, when I received the confirmation email, it only showed 1 pack of each and did not update to the 2 packs of white. So, I was charged the {$9.00} shipping.So, I immediately replied to the confirmation email to cancel the order, as I was going to re-order so the order qualified for free shipping. Then I received an email advising that my reply went to an unmonitored inbox and to use the form. So, I did, with in less then 1 hour of ordering and immediately after being advised of the unmonitored inbox. And again, advised to cancel this order. 

On XX/XX/XXXX I received a reply that its too late to cancel the order. So, I again reply to the form and requested a refund of the shipping {$9.00}. To date I have received no reply. 
On XX/XX/XXXX I submitted a XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX, requesting the {$9.00} refund. 

On XX/XX/XXXX, after no reply from XXXX XXXX XXXX XXXX XXXX I disputed the {$9.00} with my XXXX XXXX  credit card ( XXXX ). 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX  account receivables department, advising that she had received notice from PayPal that I submitted for a chargeback. 

On XX/XX/XXXX, I called XXXX and advised her of XXXX  complaint # XXXX and my request for a {$9.00} refund. XXXX was not aware of my XXXX  complaint # XXXX and was not notified by her customer service department but agreed to refund the shipping {$9.00}. On XX/XX/XXXX I followed up our conversation with an email to XXXX re-capping our discussion and that the {$9.00} would be refunded. 

On XX/XX/XXXX I called XXXX XXXX  and advised that my {$9.00} disputed ( XXXX ) was resolved. 

On XXXX XXXX emailed me advising that she has been unable to refund the {$9.00} because the dispute was still pending with PayPal and that PayPal charged them a {$15.00} bank fee. 

On XXXX I called XXXX XXXX  and was advised that the dispute ( XXXX ) was closed on XX/XX/XXXX the date I initially called XXXX XXXX. XXXX XXXX  also advised they did not charge any fees and the {$15.00} was not from them. 
On XXXX I tried to close my PayPal account online but was advised I can not because a dispute case was pending. I called PayPal and spoke to a rep via the telephone and was again told I can not close my account because a dispute case was pending. 

On XXXX I called XXXX XXXX  back and was again advised that the dispute ( XXXX ) was closed on XX/XX/XXXX and that PayPal was notified that my dispute ( XXXX ) was closed on XX/XX/XXXX. 

On XXXX I tried again to close my PayPal account online but was advised I can not because a dispute case was still pending. I want my PayPal account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: IN
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 XXXX 
I have disputed this account because it was opened fraudulently. Experian is leaving this up to furnisher who is XXXX XXXX to decide. I have sent in police reports. And identity theft affidavit. Along with identification. They will not honor this action. 
World finance is saying that original amount was XXXX $ I was unaware of exact amount. The perpetrators obviously got the loan and made a few payments so I wouldnt see it on my credit reports. My identification was stolen. This account is fraudulent. XXXX XXXX has asked for a copy of my ID. This has been submitted to Experian to submit to them several Times

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 2023-03-05
Company: EQUIFAX, INC.
State: UT
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:
XXXX was fined and sued by the Consumer Finance Protection Bureau for deceptive practices in XXXX XXXX. They ceased doing business in this manner as a lender in XXXX XXXX due to the lawsuit and fines. They now perpetrate doing business as something else. I complained about the things they were doing that I felt were illegal to the State of CA XXXX XXXX that over saw them. They failed to do anything and told me that they didn't deal with consumers, but would look into it. Well apparently they never did do anything. The Consumer Finance Protection Bureau had to do it! No one listened when I tried to bring the problems with this company up. Now I find out that the CFPB went after them for the same things I complained about, but was never notified by anyone that this took place. Where is the justice for consumers????? When I threatened to sue them, they told me they would turn my accounts over to an attorney and sue me! This company was a very corrupt, foul company and I'm glad they're no longer in business. I'm sure the credit bureaus knew about this but said nothing to debtors yet left the accounts present on our credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}

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 2018-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A company set up a payment on the wrong date. I incurred XXXX overdraft fees on XX/XX/2018. As soon as I noticed I deposited the money on XX/XX/XXXX. I called to explain to bank. They reversed XXXX overdraft fee and refused to refund the XXXX fee even though it was not authorized on that date. I was advised I would have to dispute the transaction. I was not trying to go through all that since I just added the funds to cover the ach. I explained to them that I did not notice as I had just put my dog to sleep and checking my account was not a priority at that time. They had no empathy and even the managers were extremely rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: WELLS FARGO & COMPANY
State: SC
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:
Opened an Account with Wells Fargo XX/XX/2019. I setup Automatic Draft Payment. To my displeasure I revived a late notice 30 days later from Wells Fargo. When I called they had an incorrect bank account on file that resulted in insufficient funds. We quickly fixed the routing and account number paid the bill and moved on. I then found the credit agencies were reporting a 30 day late payment. I contacted Wells Fargo and they refuse to acknowledge the error and the office of the president refuses to remove the 30 day late report from the credit agencies.

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 2023-01-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
We have reached out to sallie Mae to lower and remove the co-signer name from the loan account. The payment requirements states the account payment can be up to 12 months or paid for 12 months. This company continues to report inaccurate information as well as refusing to take the co name off when the burrowed has provided paystubs showing hes able to pay the account. This organization failed to work with me and has destroyed my credit in the process while me trying to get my education to advance betterment for my life. This is emotionally and financially stressful for me. I am seeking intervention in this matter. I need removal of the co-signers and reasonable payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi good morning, I sent money thru my PAYPAL account the last XX/XX/2019 and the recipient should've received the money the last XX/XX/2019. 

The amount is XXXX . 

My PAYPAL account says the money was sent, but the recipient hasn't received anything yet. 

My Transaction ID XXXX. 

Thanks for bringing this service, I hope a soon answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for weeks to get access to my online account to dispute information thats on there. When I call, the tell me I have to submit my request in writing? What? I have tried to reset my password and everything but I always redirects me to call customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: FORD MOTOR CREDIT CO.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate This account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor..It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : FRD MOTOR CR XXXX Date Opened : XX/XX/2021 Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sent correspondence to Bank of America on XX/XX/XXXX in regards to mishandling of Modification Application XX/XX/XXXX and duplicate/reversal payments reflecting from payment history for the period of XX/XX/XXXX - XX/XX/XXXX. 

Bank of America Rep XXXX XXXX ( XXXX XXXX ) responded to my complaint but did not come to the resolution expected. She could not provide an explanation as to why Bank of America took 18 months to complete the Modification application ( XX/XX/XXXX - XX/XX/XXXX ) and why I never was never approved for the HARP or HAMP program. XXXX XXXX did not provide proof of the duplicate or reversal payments, she stated these payments were probably due to return payments and could not show any documentation of returned payments. I explained I never submitted bad mortgage payments and verification is needed to back up her accusation. I never received copies of return payments. 

It is clear that Bank of America will not accept the negligent action of working with NACA to fraud me in the Modification process by prolonging the time it took to complete a Modification plan ( 18 months ). I will continue to work with legal representation to get a resolution. 

I am asking Bank of America to refund me for duplicate and reversal payments from the period of XX/XX/XXXX - XX/XX/XXXX in the amount of {$16000.00} due to non-documentation of return payments. 


Duplicate Payment for Months : XX/XX/XXXX - {$1100.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1000.00} ( XX/XX/XXXX was paid three times XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid twice XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX - {$1200.00} ( XX/XX/XXXX was paid XX/XX/XXXX and XX/XX/XXXX ) Total : {$9000.00} XXXX - Reversal Payments : ( XXXX ) - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; XX/XX/XXXX ; ( XXXX ) - XX/XX/XXXX ( XXXX Sheet Provided reflecting Bank of America Statement ) Total : {$16000.00}

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 explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IN
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 am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MT
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, XXXX XXXX  XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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:
I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " XXXX '' # XXXX and that account is in delinquency. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from 2017 and I pay it in full, I have all the original documents, I give them a copy of them, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-05-09
Company: OLD NATIONAL BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Received a letter from Old National Bank XX/XX/XXXX for a loan in the amount of {$36000.00}. for a XXXX XXXX XXXX. Called Customer Service XX/XX/XXXX to report this loan as fraudulent. Customer service would not let me talk to anyone in the fraud department and told me I have to I have to go to a branch. I don't understand why I have to take time off of work which I don't get paid for to come to a branch when I didn't take this loan out on this vehicle. This loan was taken out in Michigan and I have never lived outside of Indiana. I feel as if ONB did not do their due diligence at the time of loan and allowed this fraudulent in my name.

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