BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal keeps using security as an excuse to not give me my funds. My funds came from my federal tax return, and fafsa refunds. I've been calling paypal since XX/XX/2023 trying to get my funds transferred into my bank account and everytime i call they have different excuses about why i can't access my money and why they've locked my account down. I've been calling everyday trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: GA
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:
Equifax is still showing XXXX XXXX XXXX on my credit report and it should been deleted as of XX/XX/. I have disputed this with them twice and it still hasn't been resolved. I have also asked them to have XXXX to send proof that this item should still remain on my credit report. This still has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have us bank they reverse the credits that they put on my account one {$230.00} and one for {$52.00} And for {$53.00} $ and one for {$33.00} now i'm overdrawn {$480.00} they should put the credits towards my account they made the mistake and it is their fault they let XXXX XXXX XXXX charge my old debit card now they are paying them now I don't have enough to pay my rent or my storage room or my life insurance or my pharmacy if I write the three checks are and they balance are they going to pay them out of their own pocket no they won't

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 2021-07-15
Company: Dyck-O'Neal, Inc.
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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 made a dispute against XXXX for the full amount of my rental on XX/XX/XXXX with Bank of America. 
A few days later, I called them and the guy said he would expedite the claim. I asked him why didn't they give me credit on my account ( {$650.00} about ). He did not answer. 
Later I called again and talked with a female and she said I should have gotten a letter or email requesting more documentation ( I had never received any request for documentation in the initial call, any subsequent call, or in any email or letter ). 
On XX/XX/XXXX I received a letter in the mail from Bank of America stating I had XXXX business days to submit documentation or they would close the case and not refund my account money. The amount disputed in the letter was {$270.00}. 
I never disputed this number. I disputed the FULL AMOUNT and told EVERY CSR that I was disputing {$650.00}. I don't know how they came up with this number. 

I want to have more time to submit documentation. I also want to know when this " email '' was sent to me to submit documentation. 
I want to know why my account was not credited for {$650.00} while this investigation was done into the disputed amount. I want to know why I was sent a letter dated XX/XX/XXXX when that was the day I called them and complained. Why wasn't I sent a letter on XX/XX/XXXX when I made the initial dispute. 

Bank of America has incompetent staff, backwards procedures, and can not handle a simple dispute. I will seek legal counsel for this and other matters.

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 2022-10-06
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently has a loan go into default within the last 24 hours. I contacted the company and ask about my right to redeem the auto. I am aware that to reinstate my vehicle I am required to pay all late payments and fees due to bring the loan current. The representative told me that the entire balance on the loan of XXXX has to be paid in full which is inaccurate. This is a clear violation of my rights to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was previously employed with XXXX XXXXXXXX XXXX  ( the Original Creditor ) and was on a month-to-month lease with them. I moved out of state for better employment opportunity and my last month was paid in advance. Furthermore, I left two weeks before the month was over. Now, they are claiming the lease was broken and are attempting to charge me {$1400.00} which is completely false and fraudulent and has affected my credit score! I am demanding that a contract or lease to be provided with my signature which I suspect can not be provided. I am also demanding the account to be removed from my credit, the account to be closed, and for the debt to not be sold to any other agencies. My next step will filing grievances with the FTC, Attorney General 's Office, and possibly legal action. There are several law firms that specialize in suing debt collectors ( such as XXXX XXXX, among others ). This is outrageous that this is the second complaint I've had to file due the false claims made by the original creditor.

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 2019-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i log in to the account checking and it shows that i have the funds available, but then i get charge for overdraft fee when cleanly it show the funds available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The apartment complex where I stayed from XX/XX/2017 to XX/XX/2017 said I failed to give them written notice before moving out. So they request that I pay them for the XX/XX/2017 rent and that I owe them {$300.00}. However, with interest, that amount has ballooned to {$390.00}. 
I have documentation that proves that I gave them advance notice of 30 days and that the apartment manager acknowledged that notice in writing. I sent I.Q. Data International all the information five years ago, and they still refuse to remove this adverse information from my credit report, Moreover, I even offered to settle this debt on the assurance that they would remove the information off my credit report. But they have refused for over five years. Furthermore, the statute of limitation has run on this debt in Oklahoma and they are unable to collect it through the courts. I need help getting this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Atlanticus Services Corporation
State: VA
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:
Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! 
I have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
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:
The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Resurgent Capital Services L.P.
State: MI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went down to Chase bank three Saturdays in a row to open a CD. They were sick, they were on vacation, they were busy. They told me to open my own CD on line. I said you have to be kidding me. They said no. I opened a CD. This is the first month I am due interest. It never showed up in my account. I called them. They said I had chosen the option to have my interest paid at the maturity date of the CD. This is NOT true. I was never given that option. I was suppose to see my interest every month and it was suppose to go in my account so I knew I was getting it and I could see what I was getting. I called Chase. The reference number is XXXX. No one could help me modify the CD and said I had to go to the branch????? The whole process was totally misleading. I should not be opening my own CD on line with no one to explain things to me. I opened another CD at another bank and it went perfectly. Chase has zero customer service. When I called them they had to transfer me to four different people before anyone even knew what I was talking about and that person said I had to go to the branch where no one is ever available. I want my interest on my CD to show up either in my CD or transferred to checking account monthly so I know what I am getting. At this point I am getting the run around and am being told that nothing can be done and see you XXXX, XXXX, 2024 and at that time I will know what I am getting and can get my interest money and how much it will be???? I plan on taking all of my money out of Chase on that date and never doing business with them again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Majority USA, LLC
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a dispute & the next day they credit my account for the funds that got stolen but now they locked my account and I can't get into my majority account to use my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Zions Debt Holdings
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I monitor my XXXX  & XXXX  reports regularly. In XXXX both my credit scores dropped. I noticed a collection from Zion on my XXXX  report. I Disputed it & it was removed. Did the same with XXXX  twice & it remains. XXXX deleted Zion from my wife 's rpt. I sent XXXX  copies from my wife 's rpt. It showed XXXX XXXX as the agency in XXXX. Responsible party was ind. In XXXX. XXXX deleted XXXX XXXX from her rpt. Zion has changed Responsible party to joint in XXXX. We never received any communication from Zion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my account due to fraud transfers from my XXXX XXXX to my account. My account was closed they said they will provided my balance after 30-60 days which would be XX/XX/11 now they are saying they wont give me my funds because they closed my account due to my last check deposit I have to contact the maker have them issue a refund. Its inconvenient to have my employer due that due to the fact they confirmed check was cashed.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The major three credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX Bank {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX Sec XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX   {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX {$7300.00} ), account 10 XXXX XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )

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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX withdrew {$370.00} from my checking account XXXX times. XX/XX/2022, XX/XX/2022, and attempted to withdraw for a XXXX time on XX/XX/2022. I have never done business with this institution nor have I ever heard of them. The money was withdrawn fraudulently from my business checking account using my routing and account number. 
I called my bank... Bank of America and they have made the process of recovering my money extremely difficult and have treated me as if though I was the one who committed the fraud. I have not been able to get any information from my own bank nor are they willing to give me a temporary credit on my account until the issue is resolved which can last over 90 days. I called my bank for help and sat on the phone for an accumulated 8 hours while they transferred me from department to department. Every representative I spoke with apologized, but immediately washed their hands of me by transferring me yet again without any resolution or answers. 
Their investigation department does not speak with anyone outside of their own department so even Bank of America representatives can not obtain information. They do not make the process easy nor do they give their customers peace of mind while trying to resolve the fraud. The departments do not give a clear explanation of their process. Instead they insist the customer sits and waits while no one reaches out. 
Had it not have been for me sitting on the phone for 8 hours I would have not even know they received the claim I sent in. I filed my claim on Monday via email because they said that was the only way I can file my ACH fraudulent claim. Today is Thursday and I still have not received any correspondence from my bank which is why I have had to call and sat on the phone for 8 hours trying to get some sort of explanation on what happens next. I still do not have a clear explanation what is happening, their process or why they will not apply a temporary credit to my account while they investigate causing additional financial hardship to my household.

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 2022-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX  Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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