BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened a joint checking account with TD bank in XXXX XXXX XXXX, Florida in early XXXX. When we opened the account we were told by the branch personnel that a 30-day hold would be placed on our deposits because we were a new customer to them. 

More than 30 days has elapsed since we opened the account and the bank is still holding our deposits, and not giving us an adequate explanation for the holds. We are now unwilling to deposit any more money into this account because of the arbitrary hold policy ( whatever it may be from day to day ).

We deposited 4 checks ( total deposit {$5900.00} ) on XX/XX/2020. We have a receipt showing the deposit, along with copies of each check. One of the checks ( amount {$4200.00} ) was from my Pension custodian ( XXXX ). We have been informed by the local branch personnel that TD bank 's internal bank Fraud Operations department took issue with this particular check for some reason, but capriciously placed a deposit hold or the entire deposit amount. We have received a letter from that department to this effect, and have discussed the matter with the local branch personnel to attempt to get it resolved. As of this date the hold remains in place, in spite of the fact that the check has long since cleared the Federal Reserve System.

The local branch personnel are sympathetic but unable to effectively negotiate with the Fraud Operations department to resolve the issue. 

What are my options for recourse? When will the bank stop subjecting us to unreasonably withholding access to our funds? I have no confidence that this bank will fairly treat us in the future, and we plan to move our account elsewhere immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a purchase on XX/XX/XXXX for {$69.00} through a vendor ( XXXX XXXX ) that promised ( and still promises ) expedited 3-7 day delivery for customers in the United States and XXXX. I paid for the product through PayPal. After a few days without a product update, I contacted the vendor for a product update, but the email they had provided bounced back. I followed up with PayPal, who opened up a dispute, followed up with the vendor themselves, and promised to automatically resolve the dispute in my favor if I did not receive the product by XX/XX/XXXX. On XX/XX/XXXX, I followed up with PayPal to notify them that I had not received the product and to ensure they resolved the dispute in my favor. Instead, they told me they could not refund the amount I paid because their policy is to wait 20 days after any movement of the product. Between my initial outreach and XX/XX/XXXX, shipping information was made available for the product ( on XX/XX/XXXX ) and so PayPal now said that I had to wait 20 days from XXXX XXXX before I could get a refund. They asked for me to wait an additional 7-8 days ( after XXXX XXXX ), which I did. As of yet, I have not received the product. The 3-7 day expedited shipping is clearly not being provided. PayPal continues to tell me they can not return my funds, despite the fact that the vendor has not provided the product in the promised timeframe, and PayPal has not resolved the dispute in their promised timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been writing to Discover about their fraudulent credit reporting on my for more than a year, and have gotten nothing but Fair Debt Collection Practices Act and Fair Credit Reporting Act violations from them in return. First, Discover continues to report fraudulent charges on my credit report. Second, at the same time as this fraudulent reporting on my credit, Discover sent the IRS a notice of " debt forgiveness '' and a 1099, both of which are clearly sanctionable FDCPA violations. A debt can not be " forgiven '' and simultaneously contrarily reported on credit ; and this debt was not forgiven, it was proven not to belong to me in any way and barred by limitations.

Third, as the attachments will show the vast majority of the allegedly owed {$15000.00} was accrued more than 7 years ago, and thus must come off of my credit entirely regardless of any dispute. Fourth, as the attachments show, the last usage of the card in question was XXXX, yet Discover Card is pretending that the last usage of this fraudulent card was XXXX or some later date when they finally got around to cancelling the fraudulent card. Discover must legally reveal the proper date of removal of all references to this card on my credit ... and that date must as a matter of be in XXXX. Discover refused to reveal this date in writing. And, fifth and finally, the charges from XXXX are revealing in that they are all from states all over America, where I've never lived nor in some cases ever even been ( please see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: CA
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:
Pursuant to the FCRA, it is EQUIFAX 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX. This includes the reporting of 120+ days past due late payments. This includes the reporting of 120+ day late payments on XX/XX/2018, XX/XX/2018 and XX/XX/2018. These INCORRECT and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is very clear that EQUIFAX has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed a few accounts on my report I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent a Wage Deduction Notice from a Law Firm named Blitz and Gaines, P.C. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a XXXX XXXX Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from XXXX  XXXX customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other XXXX XXXX account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. XXXX XXXX is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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 the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX Date opened XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2021-09-03
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had made a reservation with a resort in XXXX called XXXX XXXX on XX/XX/XXXX in the amount of {$1100.00}. I made the payment through PayPal. XXXX XXXX had a cancellation policy promising a full refund if somebody needed to cancel because we were in the middle of a pandemic. I had to cancel my reservation due to travel restrictions and a XXXX emergency. XXXX XXXX sent me a cancellation confirmation email promising to issue me a full refund which I never received. I filed a dispute with PayPal on XX/XX/2021 and after their investigation they told me the reason they were denying my dispute was because it was my banks responsibility not theirs. So I contacted my bank ( XXXX  XXXX XXXX ) and filed a claim with them and after their investigation they said no, it was PayPals responsibility to handle the dispute not theirs because the payment went through PayPal so my bank denied the claim. So I contacted the resort multiple times over the last couple months and they did not respond. I contacted PayPal again today and told them the situation, and they said I was outside of the 180 day dispute window even though I disputed the transaction 30 days after the transaction was made. ( Well within the 180 day dispute window ) The customer service representative I spoke to today said after reviewing the dispute the reason it was denied was because it was filed under the wrong category of merchandise not received not a refund not received. I was never told that originally when my dispute was denied months ago, I was told it was denied because it wasnt their responsibility it was my banks. So because of their mishandling of my dispute and giving me misinformation, not processing my dispute properly, and refusing to allow me to appeal after it was denied I am outside of my 180 day dispute window and they are saying theres nothing they can do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2021 Without authorization and or permission Capital One credit services withdrew {$0.00} from a XXXX XXXX account. On XX/XX/2021 {$480.00} was withdrawn, and on XX/XX/2021 another {$1.00}. All without authorization and or permission. During the month of XX/XX/2021, repeated attempts to withdraw more monies were made by Capital One Credit card services. Resulting in my card being suspended for fraudulent activity. I waited before contacting the company to see if a reversal of the monies would be returned to my account since I didn't give authorization for the withdrawal of monies from my account. The card company has since closed the previous card, issued a new card, and launched an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the XXXX pandemic I began qualifying for Public Service Loan Forgiveness Program ( PSLF ). When I started working for the federal government at the start of the pandemic, I was not aware that I qualified for PSLF. My loans were originally through XXXX XXXX XXXX XXXX XXXX XXXX XXXX After qualifying for PSLF , my loans transferred to MOHELA XXXX During the pandemic, I paid off some of my loans completely. After qualifying for PSLF and realizing that non-payment during the pandemic counts as payment, I requested to have my loans reinstated and the money refunded. I initially contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX who informed me that my loans had been transferred to MOHELA and that I needed to request the refund through MOHELA. On XX/XX/XXXX, I contacted MOHELA to have the loans reinstated and refunded. The accepted my request and ask that I check back in 60-90 business days. On XX/XX/XXXX, I contact MOHELA again and asked that the loans be reinstated and refunded. On XX/XX/XXXX, I contacted MOHELA again and made the same request. On XX/XX/XXXX, a check from the Treasury Department arrived that was a refund for my reinstated student loans totaling {$570.00}. However, during the pandemic, I paid off {$58000.00} in student loans. On XX/XX/XXXX, I contacted MOHELA and informed them that the refunded amount was incorrect. On XX/XX/XXXX I contacted MOHELA again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX, I contacted MOHELA again and requested that the correct amount be refunded totaling {$58000.00}. On XX/XX/XXXX I contacted MOHELA and was informed that I needed to ask XXXX to reinstate my loans so that I could request a refund. I contacted XXXX and was informed that MOHELA is responsible. Both loan servicers are stating that they are not responsible for reinstating the paid off loans and refunding me {$58000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in XXXX week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Was told prior to becoming delinquent that the only way I could obtain assistance with mitigating my debt was to fall behind by multiple representatives inXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- I was transferred to Customer Service who then transferred me to a resolution representative and was told because I am not more than 60 days delinquent they can not assist me with any options to prevent delinquency and damage to my credit, and that these options were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Avadyne Health Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the capital one secured credit card, they sent me a email immediately after applying asking for me to send income verification documents. I uploaded them in a timely manner and met all qualifications. I was denied the card for unknown reason.

Company response to consumer: Closed with explanation