BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: Paypal Holdings, Inc
State: FL
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 was sent XXXX from my brother, through Paypal. 
Paypal withheld the money for 5 days then I received an email from Paypal stating that the money was ready to be to be claimed. I then logged on to my account and when I attempted to to transfer the money I received a message stating that my transaction couldn't be completed at this time come back later. I kept trying and then called paypal to find out what was happening, I was then locked out of my account and had to wait on hold for over an hour, each time being transferred to another department, never receiving an answer that explained why there was an extra hold on my funds. Banks don't place holds on money as long as paypal has. Finally I was told that there was a internal computer security problem that would be delaying the availability of my funds indefinitely. Paypal 's internal computer security problems shouldn't affect the funds that belong to me Failed to honor funding times, Neglected to post payments when website fails, Mishandled customer disputes about payments. Paypal has a history of poor and deceptive business practices, and even after class action lawsuits have caused punitive damages, they continue these same practices. After I threatened to file a report they changed the error message on the transfer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 I found a late payment reporting in the month of XX/XX/2018. 
I am not sure how this happened since i make my payments as soon as I get my statements. My only thought is I never got this statement.

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 2021-08-13
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: DISCOVER BANK
State: CA
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:
In XX/XX/2018 I received a XXXX XXXX  procedure, XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. They stated the product would last a minimum of 6 months to one year. I paid them XXXX dollars for the procedure and it left me with XXXX on my XXXX and the product dissolved within 2 weeks. I have a copy of an email I sent them on XX/XX/XXXX stating that I wasn't happy with the procedure. They invited me back into the office and stated that they did everything according to the protocol but couldn't refund me. I explained that Had I have known the product would only last 2 weeks and at a cost of XXXX dollars I wouldn't have had XXXX  in my XXXX. This is false and misleading advertisement. 
So I issued a complaint with my credit card company and my credit card company Discover card XXXX XXXX XXXX XXXX XXXX XXXX, stated I did not have enough proof! 
I sent them copies of correspondence between myself and XXXX company and the fact they stated on their website the product would last 6 months to 1 year. 
Discover card despite me having an absolute impeccable payment history with them, do not want to resolve this for me, as they state I need more proof before they can refund me. I suggested I show them how my procedure looked before, then immediately after, then 2 weeks after the final result and Discover card, said that wouldn't be enough proof! so I am supposed to endure false and misleading advertisement from a company offering procedures they say last longer than they really do and fall victim of small print from Discover credit  card. 
regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: TX
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 BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS, COLLECTIONS, AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY DIDN'T DO IT THE ONE ACCOUNT THAT THEY DID TAKE OFF THEY PUT BACK ON SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.

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 2018-08-28
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I disputed with XXXX about a company called XXXX XXXX. Theyre still trying to put a collection on my report. 

Ive found out today that the creditor was XXXX. Ive called XXXX XXXX and they told me they have no knowledge of this report and that they also have no knowledge of my account. I havent been a customer to XXXX in over 2 years because of one of their employees using my social security number. This was on the file of my credit report. I canceled services with them immediately and was told all I had to do was pay the last balance which I did in XXXX of XXXX. 

Since then now Im having to deal with a collection agency for a bill that is not mine and do not owe and with fraud with XXXX Im absolutely reluctant and with them not even being able to tell me anything makes me even more hesitant other than the fact that they have no files or anything about me in their system since I last had services with them. My advice is dont ever use XXXX again.

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 2018-08-28
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters to all XXXX XXXX, and Transunion about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hell I am attaching my Drivers license, my social security card and XXXX  accounts which I noticed recently when checking my credit that are not mine.

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 2020-06-30
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with XXXX  and called Equifax on XX/XX/2020. Equifax referred my back to to XXXX, denying any connection between Equifax and the questions posed at the site. I've since received a letter from XXXX instructing me to contact the bureau ( s )  directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: NC
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 and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Submitted application for Barclay 's XXXX XXXX XXXX card in Fall XXXX. Received request from Barclay 's to call in to provide information about XXXX and other business information. Called and provided all information to Barclay 's. Never heard back from Barclay 's and they pulled a hard pull on credit with no notification they had done so, what the results were ( my credit is good ), and never heard on if I was approved or denied the card. Now its 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 2018-09-25
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received the email below today XX/XX/XXXX from a XXXX XXXX from XXXX XXXX. I believe this is a very old payday loan I took out XXXX   years ago, and then lost my job and was unable to pay it, however I am not certain. I did receive one phone call from a woman who stated she was collecting for " XXXX XXXX '' but i did not recognize the name of the payday loan company, so i asked her who they were? She stated it was a payday loan I a took out from XXXX in XXXX. I advised I was not working and unable to pay and she became very agitated and hung up on me. Today I received this email. 
Sincerely, XXXX XXXX XXXX! 
Notice Under US Federal Law & FDCPA-811 ( Action Required ) Inline image XXXX Case File # XXXX The District Courthouse Balance Due- {$960.00} Lawsuit File Cost # {$8000.00} File Transferred- XX/XX/XXXX NOTICE OF LEGAL CREDITOR - XXXX XXXX 

Dear XXXX XXXX, This is to notify you and requires your immediate attention. Our Attorney is going to file a lawsuit of {$8000.00} in the District Courthouse shortly. It is a legal requirement to send a notice of intended litigation before legal proceeding in the District Courthouse is issued. You have the last day to tender payment in full on the Account or arrange for exact settlement of the balance. Kindly note that the XXXX Sheriff Department will be involved in this matter. 

We have repeatedly advised you of your long overdue balance but you have not made any payment and we have turned your account over to our Attorney and instructed them to commence suit without further delay. There is still time, however, to avoid lawsuit if you email us on time. This will be your last opportunity to resolve matters without the expense of court proceeding. 

XXXX If you ignore the notice, charges will be pressed against your Name are, a ) Theft by Deception ( ACC ACT 21A ) b ) Collateral Check Fraud c ) Violation of US Federal Law & FDCP Act-811 Note- This carries a maximum sentence of 2 years of prison and a fine up to {$8000.00} We trust that you will now give this matter appropriate attention and attend to payment on time so that no further action will be necessary on our part to recover payment. If you are unable to attend to payment today please respond to the notice so that alternate arrangements for paying and securing the debt might be considered. 

Note- Failure to respond to this notice may result in a negative report to the Credit Bureau Payment in full is required to stop collection activity. 

Kindly do not ignore the notice and co-operate with us so that we can close this case File outside the Courthouse. 

Thank you for your assistance in this matter Best Wishes, XXXX XXXX. 
XXXX Department ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I borrowed auto loan through TD Auto Finance since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call TD to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to TD credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, TD insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to TD regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: CITIBANK, N.A.
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:
I have filled a dispute for {$490.00} on XX/XX/2021. and my balance was just XXXX then on next morning my again balance was - {$490.00} instead of {$1.00} I chatted with an agent to solve this the say investigation team has charged u XXXX $ means I don't understand I have already disputed {$490.00} and gain on next everyday dispute team charge me {$490.00} again making my balance - {$490.00}

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