BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 recently checked my credit report and I noticed Bank of America submitted a 30 day late payment to credit bureaus. It states for XX/XX/2018. But I paid the car in full XX/XX/18. Payment was due XX/XX/18. I also have a grace period. I have never been late in any of my accounts with Bank of America or other creditors. I never received a call from anyone in their collections department for late payments or anything. I tried to call and find out whats going on and I am told a supervisor will call me back. I never received any calls back. At Bank of America even one day after payment is due and they havent received it the calls start. I feel as if this company is being unreasonable and not treating the situation as it is. I have paid off 4 vehicle threw them and was NEVER late. Please help me fix his issue. My credit has dropped over 60 points because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I set a prepayment with XXXX XXXX  CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment. 

XX/XX/XXXX I received an email confirming payment has been received. 

XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount. 

XX/XX/XXXX I receive written notice from XXXX  via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee. 

XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency. 

I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account. 

I noted in the final one-time balance, the dollar amount was clearly listed.

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 2021-03-02
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I found a recommendation for a personal loan on XXXX. I then used uXXXX website to sign up for loan. I took out a loan for {$3500.00} on XX/XX/2021. I received {$3200.00} direct deposited into my XXXX  XXXX XXXX checking account on XX/XX/XXXX. I found a family member willing to loan me the money. So I called the company to cancel the loan ( and return the money ) within a few hours of receiving deposit on XX/XX/XXXX. They told me they would attempt to cancel loan and contact me back. Later that day I received an email that they could not cancel loan, But that I could pay it off without a penalty. My mother informed me of a regulation that allows for a cooling of period. This would allow me to cancel the loan within a few days- 2 weeks of signing the loan. I researched and found it covers personal loans.I called again to request a cancellation this time citing my rights to cooling off period on XX/XX/XXXX, they told me I would be contacted back. XX/XX/XXXX, received email from upstart saying they would refund part of origination fees if paid off and in the next email on XX/XX/XXXX they said You may however, payoff your loan without any penalties in doing so. If looking to payoff your loan early, you would only pay the interest that accrued up to that point included in the outstanding principal amount. I promptly initiated payment on XXXX. On XX/XX/XXXX {$3500.00} was withdrawn from my account. I wanted my origination fees back so I have contacted the company twice since payment date via email. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
( Reference ID XXXX ) My account got limited on XXXX XX/XX/2021, then I've submitted all required information with my Photo ID on XXXX XX/XX/2021 then PayPal reviewed and restored my account on XXXX XX/XX/2021, it was very good news for me. PayPal was very co-operative and helpful. Thanks to PayPal review team. 


( Reference ID - XXXX XXXX XXXX XX/XX/2021 suddenly received an email says " You can no longer do business with PayPal, After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have money in your PayPal balance, well hold it for up to180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' It means my account has been closed. I'm shocked what it is! Why! I dont understand. 
I thought this email was automated or a glitch, then logged in my account and found really my account permanently banned! 
I believe that this action made by any automatic system or performed by automated bot, not by anyone from human review team, because its impossible for a human to do something self decision opposite. 

I request you please review this coincidence and relieve my pain and frustration. Impossibly if this action made by any human please re-consider my situation. If you think this action is final then I'm respectfully requesting that the hold on my funds/account be lifted. 
However, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I've complaint on XXXX and send them emails hundreds of times but still no response. 

My PayPal email is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I, XXXX XXXX have to report to the Consumer Financial Protection Bureau, that I, recently, on XX/XX/XXXX find negative and very inaccurate information, was posted on Experian CreditReport on XX/XX/XXXX by unknown parties called XXXX XXXX XXXX. This parties claimed unpaid {$120.00} to XXXX. : phone # XXXX ; XXXX XXXX XXXX, XXXX XXXX, MNXXXX. 

My Account with XXXX was permanently closed in XXXX, all equipment was return and NONE unpaid balance was EVER Exist. How in the WORLD this very strange XXXX XXXX XXXX 4 years later claimed unpaid weird balance of {$120.00} and posted on CreditReport without ANY Proof, just to make sure to put dirt on my Credit History. 
XXXX provide absolutely awful TV Service, I was unable to watch my TV most of the time on cold and rain weather. I closed my account because of this. 

Consumer Financial Protection Bureau, please, investigate this matter from Experian Inc., why they let XXXX and XXXX XXXX XXXX.posted CLOSED Account on XXXX on Experian Credit Report in XX/XX/XXXX and should listed until XX/XX/XXXX with weird {$120.00}?? 
Please, help me to REMOVE Inaccurate {$120.00} from my Credit History on Experian Credit Report. 

Experian Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/XXXX I sent a dispute to the XXXX  at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/XXXX and XX/XX/XXXX respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/XXXX and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and XXXX  and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my PhD and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.

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 2021-03-02
Company: EQUIFAX, INC.
State: WA
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 have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX  days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.

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 2021-03-02
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.

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 2021-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 I notified XXXX Equifax & XXXX That I checked my credit and became aware I was a victim of Identity Theft! I also sent in ftc report asking all 3 bureaus to block information from my credit file. They all ignored my ftc report. Per Fcra and FTC items placed on my report FRAUDULENTLY MUST BE BLOCKED WITHIN 4 Days. WELL TO DAY IS XX/XX/21 and the items have not been blocked!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: GOLDMAN SACHS BANK USA
State: TN
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 was charged onXX/XX/XXXXI issued a dispute with my credit card company which is the Apple Card and the merchant. The merchant issued a refund and the credit card issued a credit. I asked for the credit card to remove the credit to avoid charges. I was told they removed it. And that I would not have to worry and it wouldnt be added to my account. However they charged me on XX/XX/XXXXfor the amount of the provisional credit and refuse to remove it even though I do not owe and was told I would not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Assisted by what was supposed to be XXXX support involving XXXX XXXX. Unknowingly being assisted by a scammer who advised me to use XXXX, which had no knowledge of nor ever used til that moment. Was told this would give a code to get my refund back from XXXX XXXX and be refunded back to my account. 
It was like they had virtual control of my phone. Knew exactly which screens to go to and exactly how to scam me out of {$1000.00} by using a code. 
I would never have used XXXX knowing what it is and reviews involving scams. 

I have a bank letter telling me I would receive all my money back and any fees that were incurred with this fraud account. Bank said associate made a mistake, on well.

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 2018-03-07
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: Information belongs to someone else

Complaint:
COLLECTIONS XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2014 Amount : {$150.00} 1. Never had services rendered 2. Someone - else account ( not my account ) 3. Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are small business -XXXX XXXX XXXX XXXX-and are attempting to notify about the tactics used by Care credit now XXXX XXXX. 
We have had merchant account with Care credit and for past 20 years since ownership to XXXX XXXX there has been noticeable change in their banking tactics. 
Since beginning of XX/XX/2018 our patients opened accounts with Care Credit - then we had finished treatment they accused us of fraud. We provided Care Credit all signed documents and signed credit card slips but in both cases Care Credit did charge back-this in violation of our merchant agreement! We in good faith did treatment the patients then dont want to pay Care credit and file complaint. We provide all required paperwork Care credit ignores it and does chargeback to appease patients. We are small business and hiring attorney to fight this we would win but financially we can not afford to. We have closed our merchant account with Care Credit -XXXX XXXX . 
They charged our account merchant fees on initial two payments and again merchant fees when they did chargeback! This is theft and we are sure they are doing this to other merchants at behest of unscrupulous Care Credit card holders. We sincerely hope they are shut down and wanted this on the record

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