BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I purchased a vehicle from Sandtander, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with Sandtander and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 WENT TO AN ATM MACHINE ON XX/XX/2019 AND TRIED TO GET {$220.00} AND THE MACHINE DID NOT DISPENSE THE MONEY. I ASKED THE CASHIER IF THEY STILL HAD NOT PUT ANY MONEY IN THE MACHINE SINCE I HAD GONE A DAY PRIOR AND I WAS TOLD IT DIDN'T HAVE ANY MONEY, SHE RESPONDED YES A TECHNICIAN CAME AND PUT MONEY IN IT. I ASSUMED THAT MAYBE I DID SOMETHING WRONG AND I TRIED AGAIN FOR THE {$220.00} AND IT STILL DIDN'T GIVE ME THE MONEY. I MENTIONED TO THE CASHIER THAT IT DIDN'T GIVE ME ANY MONEY SHE TOLD ME THAT SHE BELIEVED THAT THE TECHNICIAN PROBABLY DID SOMETHING WRONG BECAUSE THERE WAS OTHER CUSTOMERS COMPLAINING THEY COULD'NT WITHDRAW MONEY AS WELL. LATER THAT DAY I TRIED TO SEE HOW MUCH MONEY I HAD LEFT IN MY AMERICAN EXPRESS CARD AND I WAS MISSING MONEY, SO WHEN I LOOKED INTO MY TRANSACTION I WAS SEEING THAT IT WAS SHOWING THAT I DEDUCTED TWICE THE {$220.00} WHEN I NEVER GOT MY MONEY DISPENSED FROM THE ATM MACHINE. I CALLED THE ATM COMPANY AND TOLD THEM ABOUT THE PROBLEM THAT THE MONEY WAS NEVER DISPENSED HE ASKED ME FOR THE AMOUNT AND THE LAST FOUR OF MY CREDIT CARD NUMBER, WHEN I PROVIDED HIM WITH THIS INFORMATION HE TOLD ME THAT IN FACT THEY HAD A PROBLEM BUT THAT THE MONEY WAS ALREADY IN REVERSAL THAT I SHOULD RECEIVE MY MONEY IN 24 TO 48 HOURS AND IT NEVER HAPPENED. IN THE MEANTIME I ALSO CALLED THE AMERICAN EXPRESS CARD AND PUT A DISPUTE FOR THE MONEY SO I FAXED THEM THE DISPUTE FORM EXPLAINING ALL THE PROBLEM AND THEY TOLD ME THEY WERE GOING TO INVESTIGATE. I RECEIVED A RESPONSE FROM AMERICAN EXPRESS SUPPOSEDLY THAT THEY MADE THE INVESTIGATION AND THAT SUPPOSEDLY THE ATM PROVIDER CONFIRMED THE FUNDS WERE DISPENSED. I GOT VERY UPSET SO I CALLED THE ATM COMPANY AGAIN AND TOLD THEM WHAT AMERICAN EXPRESS HAD TOLD ME AND THEY SAID THAT NO THAT THE MONEY WAS IN REVERSAL, SO I ASKED THEM TO SEND ME PROOF OF THAT SO I COULD SHOW AMERICAN EXPRESS SO I CAN GET MY MONEY SO WHEN I CALLED AMERICAN EXPRESS THEY WANTED ME TO DO ANOTHER DISPUTE WHICH IS REALLY UPSETTING BECAUSE THEY ARE TAKING ALONG TIME AND I REALLY NEED MY MONEY. I WOULD REALLY APPRECIATE IF YOU CAN ALL HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Paypal Holdings, Inc
State: NV
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/21 Paypal reopened claim # XXXX that I previously closed on XX/XX/21 because my bank paid final credit of {$32.00} as merchant refused to process my refund. 
This should have remained closed, but Paypal decided to reopen and review without the authorization of my bank and myself. Bank dispute closed and paid as evidenced by enclosed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BYL Collection Services
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just became aware about this debt in collections. I had never received a notice that was account with the creditor is in default nor that I had a missing payment. I became aware about this debt through a job that I was recently applying for. They notified me that because this account is in collections and the resulting derogatory marks on your credit score, that they would not be able to hire me until this is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a phone call from Bank of America. They informed me that my account had been hacked and closed. They labeled me a " liability '' and said i I was going to be unable to open another account with them, and moved onto a set of questions. Asking for my social security card number over the phone, which seemed illegal to me, so I refused to give that information to the person whom called me. So I ask the who, what, when, where and why of things and ... no answers. They said they could not disclose that information over an open line and told me to come into my nearest Bank of America the next day. Long story short, all I got the next day when I got there and spoke to the bank manager was one phone number to the risk department. Called them and they said my account was not hacked so they don't know why it was closed or why the manager would lie to me about the issue. Basically, no answers from them either.

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 2021-05-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I used my XXXX 's Credit card for a purchase. I received the statement in late XXXX for a balance of XXXX. I issued a check for XXXX on XX/XX/XXXX for the total new balance. 
On the next statement, we were charged a late fee of {$29.00} plus {$1.00} in interest for a total balance of XXXX. 
On XX/XX/XXXX, I issued a check for XXXX XXXX less late fee and interest ) before I realized that Comenity had not cashed the check issued on XX/XX/XXXX for XXXX. 
I called the comenity -XXXX  requesting a credit of the late fee and interest plus credit for the double payment of the XX/XX/XXXX purchase. The Comenity Associate ( XXXX XXXX XXXX would not issue a credit for the late fee and interest. 

The two payments from my account were issued via the " Bill Pay '' function of the XXXX XXXX. 

Essentially, Comenity is charging a late fee and interest to my account for their inability to credit my account for payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2022-08-05
Company: EQUIFAX, INC.
State: MD
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:
I was affected by the data breach involving Equifax. When attempting to reach Equifax and demanding they remove all hard inquiries, collections and late payments. 

Per 15 USC 1681 a ( 3 ) and 15 USC 1681 ( a ) ( 4 ) " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Per 15 USC 1681 ( b ) " Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' I never consented to these inquiries and reported late payments and closed accounts. Equifax did not exercise their grave responsibility to meeting the needs of my consumer credit information in a manner that was fair and equitable to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a bill for a minors XXXX that occurred around XX/XX/2017. I was the POA for the minor for follow up appointment purposes. However, her mom was SUPPOSED TO BE listed as the guarantor. Somehow I think there was a clerical error and I am now being held responsible for a bill that I don't have the resources to pay. I have been in contact with the hospital, the XXXX group, and the credit bureau system trying to fix the mistake. Yet, somehow, nobody wants to budge on the issue. For providing insight, Note that I'm in college with no financial aid, working and going to school full time and I can barely afford the bills I already have. This issue has ruined my credit and probably my chances for renewing my lease in a few months. What seemed like a little issue could now leave me homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NV
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 filed MULTIPLE disputes against Experian and none of the problems have been resolved. Instead, my credit has been decreased! 

I called customer service multiple times and requested for a NEW SECURITY FREEZE PIN CODE be sent to me. It's been months now and I still hadn't received it in the mail. 
It only takes 7-10 business days so this means NOTHING WAS MAILED. 
Since then I have tried to pull my credit online since I need my Security freeze pin to temporarily lift my security freeze to have my credit pulled. The request online for my free credit report was denied! 
I HAVE SENT IN MULTIPLE COMPLAINTS ABOUT MY IDENTITY BEING STOLEN AND EXPERIAN REFUSING TO ASK FOR A PINCODE UNLESS THY WANT TOO.

AND NOW I CAN NOT GET ACCESS TO MY ACCOUNT TO CHECK MY CREDIT DUE TO THEIR NEGLIGENCE!

I was informed that I needed to print the current document and include a copy of my DL, proof of SSN, and a Utility Bill.

I DID THAT!

I sent the form and a letter requesting for my Security Freeze Pin to be CHANGED and mailed since I hadn't received one after my last few request. 

Proof of Identity was mailed on XX/XX/2020 and it's now XX/XX/2020 and I have not received a thing in the mail. 

When I get a response from Experian as to why they failed to provide the new Security Freeze Pin. I will continue with how I know they received the letter and I can provide the content that they received! 
WHY WAS MY REQUEST FOR A NEW SECURITY FREEZE, IGNORED?

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 2018-12-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had my identity stolen and someone had tried to open new accounts and made hard inquiries under my name without my permission. 
XXXX XXXX XXXX XXXX XXXX Pentagon XX/XX/2018 XXXX XXXX XX/XX/2018

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 2018-04-22
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so. 

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: HI
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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you

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 2023-07-11
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed without any forewarning. The funds in the account are now inaccessible and this has caused me financial issues as Im unable to pay my bills without this money. Ive contacted customer service but automated message redirects your call and advises account is closed so only contact can be submitted via email. Their email response is asking for transaction details and states that account was closed due to international funds transfers. This is not true. I have made the same purchases and charges on this account for years. I also had the transactions and international transactions options shut off on my card for security purposes. I only authorized transactions when I knew I would be making a purchase and the rest of the time I kept this option on the app disabled do no one could use the card without my knowledge. Now it appears that there are hundreds of people whos accounts have been closed for no reason and chime just advises that IF there are any funds left in the account, they will be refunded via a check within 30 days and mailed to me. Ive tried calling chime, XXXX XXXX XXXX XXXX, XXXX, the XXXX, my local congressman, the states attorneys office, office of the comptroller of currency, and multiple multiple phone and email dead ends. To sum it up, they closed a ton of accounts, are not returning the funds in a timely manner, they are quoting a bogus terms of service violation and refuse to provide and documentation or proof of this violation. Now my bills are late, fees are piling up, and Chime has over {$1400.00} of my money inaccessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Comenity bank has received my balance transfer for {$2200.00} from XXXXXXXX XXXX. Comenity claims it was never received. However, XXXX XXXX  has performed a trace and clearly says it was received by Comenity bank on XX/XX/2020. I am not delinquent on any payments and this is the first time this has happened. I have sent larger payments in the past and had no issues. It has been over 2 months and have been sending secured emails to the company with the attachment. Nothing has happened and only receive generic responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Timeline : - On XX/XX/2020 I began selling goods on XXXX - On XX/XX/2020, Paypal sent me a notice that they were restricting my account until I provided evidence that I had fulfilled my orders ( tracking numbers ), confirmed my identity ( drivers license ), and that the items which I had sold were purchased legally ( invoice ) which I immediately did. At this time, my paypal account had {$2100.00} that I was unable to withdraw. 

- On XX/XX/2020, I attempted to call Paypal 's support line to inquire about the status of my restrictions only to have their service line explain that they had laid off their support staff and to contact them through their message center. I attempted to contact their message center with no response. 

- On XX/XX/2020, Paypal finally got back to me and released their restrictions. Then about 20 minutes later, I received an email stating that not only were they closing my paypal account, but they were going to hold onto my funds for 180 days!!!!! 

It's the end of the month. Rent is due and I have no recourse! You can't get anyone on the phone. They don't respond to emails. I'm not even sure what I've done to trigger the issues as I've complied with all of their policies and requests for information. I'm not going to tell my landlord that he needs to wait 180 days because Paypal doesn't want to release my money.

Company response to consumer: Closed with non-monetary relief