BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Paypal Holdings, Inc
State: WA
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:
XX/XX/XXXX-18 Attempted on-line purchase of a dietary supplement ; vendor response : order not completed, try later. Subsequent confirmation ( {$89.00} ) to which I responded " Do not send. '' Product received. I initiated a dispute with PayPal, requesting the {$11.00} shipping be refunded in addition to the product refund. XXXX18 acknowledgment of receipt of case XXXX. I responded with submitting a UPS receipt superimposed on XXXX XXXX dated XXXX-18 that was rejected ; case decided against me. I requested the case re-opened, received confirmation of initiating a dispute XX/XX/XXXX-18. I submitted the XXXX confirmation of receipt, vendor order, and PP confirmation to what I learned is a separate non-communicating entity of PP that reimburses shipping on XX/XX/XXXX-18. Shipping reimbursement confirmation received XX/XX/XXXX-18.  The case was not re-opened, and PP is demanding I pay {$78.00} or the " debt '' will be sent to collections. Clearly, if I am reimbursed for return shipment, I sent the product back. The resolutions agent I spoke with suggested I go to XXXX where the charge had been placed originally ; the XXXX charge, however, was cancelled. It is PayPal I must deal with. I can not even re-send my receipts to them. Impossible, non communicating, arbitrary company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21, my checking account was debited for two automatic transitions in the morning. These funds were deducted from my account. 
The evening of XX/XX/21, I over drafted my account and was assessed a {$35.00} fee. 
On XX/XX/21, my account was hit for two other {$35.00} fees. I called Bank of America and was told that this is because the transaction posting order was changed by Bank of America so that the fees could be assessed. They were unable to reverse the charges at their level and advised I submit a complaint. 
This is wrong in terms of how items actually posted and wrong on Bank of America 's part in an attempt to take from customers already facing difficult situations - particularly those suffering because of the ongoing pandemic.

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 I initiated wire transfer of {$1800.00} from Chase Bank to XXXX  XXXX XXXX. 
Received email confirmation from Chase that money was debited from my account and wire transfer was complete. 

XX/XX/2021 Recipient has contacted me saying money was not received. 

XX/XX/2021 I called Chase, they confirmed money was sent. 

XX/XX/2021 Recipient contacted me saying money was still not received. I contacted Chase, they told me wire was lost and would start recall process. 

Chase call reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to recast mortgage. Was told to go to local branch and write check for specific amount in order to reduce principal to {$180000.00}. Wrote check at local branch in XXXX VA on XX/XX/XXXXfor {$210000.00}. Told bank teller to apply 100 % of funds to principal. I was assured that all funds were applied to principal. Two days later, I found out that account was not properly credited and {$1100.00} was directed to interest as opposed to entire amount to principal. Therefore, principal not reduced as directed and desired. Recast payment will be higher due to error by Wells Fargo. Wells informed of error on XX/XX/XXXXand on XX/XX/XXXX. Wells refuses to admit mistake and refuses to correct. No contact from recast department despite beyond told that I would receive recast documents overnight after payment was made on 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 2021-12-09
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've submitted FTC and Police Report to this Credit Reporting Agency ( EXPERIAN ) on XX/XX/2021 according to FTC these fraudulent accounts resulting in Identity Theft must be removed in 4 days pursuant to 15 usc 1681c-2. 


I've asked EXPERIAN to please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report which they have failed so.

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 2022-08-13
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:
Transunion, XXXX XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

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 2021-09-09
Company: EQUIFAX, 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:
I disputed my credit file on XX/XX/2021 with Equifax after finding numerous inaccuracies reporting negatively. They then updated my credit file on XX/XX/2021 and I still found inaccuracies. I then sent them a request for method of verification for the updates of which they received on XX/XX/2021 and they failed to respond within 15 days as per FCRA rules. I have sent all correspondence with certified mail and I do not believe that they actually investigated anything other than using their electronic methods. I want to formally make a complaint for Equifax to remove my negative credit file for violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 CHECKED MY REPORT AND SAW FRAUDULENT ACCOUNTS ON IT AND I HAVE REPORTED THEASE ACCOUNTS TO IDENTITY THEFT, BUT THEY HAVE REFUSED TO REMOVE THEM ID LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

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 2019-11-19
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:
Equifax and XXXX refuse to correct information that has been proven fraud already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account with simons agency isnt correct. I was in insured at the time and now the hospital says i owe XXXX. I gave birth and was completely insured so this is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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:
Creditor has been reporting inaccurate information on all three of my credit reports. My scores has been dropping for months.I have asked debt of Education XXXX and all bureaus to provide me with information used to all theses alleged late payments to be posted FCRA 611 ( a ) ( 7 ) and neither companies has been able to do so within the last 120 days.I asked that these late payments to be removed immediately off my credit report.

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 2018-01-17
Company: EQUIFAX, INC.
State: MA
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:
Mass Department of Revenue places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get Mass DOR to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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:
XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the company.

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 2018-01-17
Company: LoanCare, LLC
State: ID
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:
In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.

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 2021-09-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have called these 3 companies over and over again, I do not have a legal debt with none of these companies but they are asking for money. I am not going to verify myself to a stranger. The debts I had was all charged off. I have never did business with them and I have never verbally agreed to paying them anything. What they are doing is illegal and all I want is this mess off of my credit. PORTFOLIO RECOV ASSOC Phone ( XXXX ) XXXX is on my credit report twice with all three credit company 's. They say I owe a balance of {$1300.00}, and {$2200.00}. This has been on my credit report for the last 6yrs, almost 7yrs and I want it off of my credit. XXXX XXXX XXXX XXXX {$3600.00} Phone ( XXXX ) XXXX - Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX. The XXXX has been deleted with XXXX and XXXX. But it stands with XXXX. I have went back and forth with the credit companies and they have advised me to follow up with Consumer Financial protection. Collections agencies buys these debt and buy it in a huge portfolio. I do not have a contract with these companies. All my past credit cards have been charged off, so I want these collections off of my credit.This debit was sold to a collections agencies, I didn't agree for the creditor to sell to a 2nd and 3rd party. Nor did I sign a contract. I have no regulations of what these collection agencies are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The delinquency listed on my Experian credit card is incorrect for XXXX credit. the delinquency is incorrect. The delinquency listed states that it was 150 days delinquent as of XX/XX/2020 and this is incorrect. Any balance owed on this account was paid in full and was not delinquent. I have reported this numerous times and have not been able to get this corrected. Because it is not reporting correctly, I am requesting that the delinquent pay status and pay history be permanently removed.

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 2018-10-31
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2018, I received an email from XXXX XXXX borrower ( who has been servicing my student loan for years ) that my loan had been transferred to XXXX XXXX. On XX/XX/XXXX I logged into XXXX XXXX for the first time to find that my XXXX Grant was converted to a loan. I also saw that XXXX account was past due and made a payment of XXXX but couldn't understand why it was so far past due. They called me to say that my loan was past due 80 days but I made a payment on XX/XX/XXXX to XXXX XXXX in the amount of XXXX. I then asked to speak with a representative from XXXX Grant department. I was told that they sent me an email to notify me that I should check my message box. I never received any email telling me to do that. They claim that they were sending it to my current email but I think if they really sent it and I never saw it they could have been sending it to my University address which I no longer have access. When the person on the phone checked to see what email address they had been sending it to, she said they would have sent it to the email on file but she never said that they actually sent it to my personal email. When I got anything to check my messages, I checked the messages of my XXXX XXXX who was servicing my loan at the time. But again, I never received any such emails form XXXX. I was then told that I was sent ONE mail notification and no phone calls. I never received that one piece of mail and they have not proof that I did receive it other than they sent it but that doesn't mean the mail was placed in my mailbox. I was told that the only way that they could reverse changing my loan back into a grant was if there was an error. There was an error and I can't see why they can't reverse it. In addition, I am still a XXXX XXXX and am now serving as an XXXX which is equivalent to a XXXX XXXX. This grant was proposed as an option to entice people to work in XXXX XXXX XXXX in XXXX XXXX. Now, I have to pay an additional XXXX a month for a problem with paperwork when I am fulfilling my requirements as a public servant. In addition, your website says " If you do not complete your XXXX service agreement, the amounts of the XXXX Grants you received will be converted to a Direct Unsubsidized Loan that you must repay with interest charges from the date of each XXXX   Grant disbursement. '' I am completing my XXXX service agreement. It does not say if you do not receive or complete the certification process annually by a certain date you will have to repay with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Balance {$230.00} U S DEPT OF EDXXXX XXXX XXXX {$4200.00} U S DEPT OF EDXXXX XXXX XXXX {$650.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief