BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
This is the letter I wrote to my bank in response to the merchant : Account number ending in : XXXX Case number : XXXX It is difficult to respond to the merchant because the merchant has made no effort to investigate the return. The merchant has included a copy of the original online invoice. There is no dispute that an order was placed. 
The merchant has included proof of delivery. XXXX confirms that the billing, and shipping address match. Again, there is no dispute that an order was placed, and delivered. The issue at hand is that XXXX has made a simple transaction into an unnecessary ordeal. They have failed to issue a return for their product. One that was returned in a timely manner according to their own instructions, using their own carrier. 
I placed the order on XX/XX/XXXX. I have a XXXX, and decided to gift it for XXXX because there was free return shipping ( see image 1 ). 
I had contacted XXXX by phone to inquire about the return. I was told that I would receive an email if I could return the items. On XX/XX/XXXX I received an email from XXXX ( see image 2 ).  Shortly after I received an email from XXXX with the return label ( see image 3 ). 
There is no tracking information in this email. It is presumably because of the length of time that has passed. The tracking number on the label I printed out was : XXXX ( see image 4 ). This USPS return label ( in partnership with XXXX ) provides a tracking history that proves that the return was in the possession of USPS on  XX/XX/XXXX at XXXX XXXX. By XX/XX/XXXX it was picked up, and processed by the shipping agent ( see image 5 ). The date today is XX/XX/XXXX. There are no circumstances by which this sort of mishandling should be excused. 
There is definitive proof that the XXXX items were returned according to the merchants return policy. The fact is that when I had been in contact with XXXX, they showed zero initiative in assisting their customers, so I am incredibly disappointed. I will be sure to make note of my experience to the XXXX XXXX XXXX, and will resort to the Consumer Financial Protection Bureau if this issue is not resolved by the merchant, or the bank. 

Even though I had provided them with all the necessary information they did not issue me a credit because they sided with the merchant.

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 2019-03-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was in contact with a person who was selling me XXXX tickets. I sent him a payment of {$140.00} on XX/XX/2019, and once it was sent to him, he blocked me from all sources. I immediately called PayPal to stop the payment as it had not gone through, but they refused to help me. So I called the bank to stop the payment. PayPal said they paid for me, so now I have owed them money. They never contacted me asking or even signed up for them to pay on my behalf. could you please help me. The person did not receive the Money till XX/XX/XXXX but my XXXX XXXX  stopped the payment on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. XXXX. Reports no score. Called over and over says its ok. But never is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The consumer reporting system that verifies checks are bank accounts has outdated information from 1996 and continues to report to companies but fails to let me know what they are reporting. I have recieved a notice to contact the company for questions but they REFUSE to give me information on what is being reported and WHY.

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 2021-01-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I have a negative money amount on my PayPal account. A buyer have requested a refund or something, but he didn't tell me anything and I didn't get the goods back as well. It's totally a fraud and I have all the proofs. They will definitely try to do the same scheme with other payments ( they paid from different accounts ). Please help me. Providing all transaction IDs ( from PayPal ) he sent money from : XXXX, XXXX, XXXX, XXXX, XXXX Attaching the screenshot he sent last time paying for item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Atlantic Credit & Finance, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Atlantic credit has called many times late at night and today ( XX/XX/XXXX) called my work a little after XXXX, which I believe is not allowed by law and also could get me in trouble and/or fired. When they call my cell phone they do n't leave any voicemail. They just keep calling. I wo n't answer 800 numbers because of all the scams out there. Then today I get a call at work and a letter at home stating they are going to send an attorney after me.

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 2022-11-16
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:
MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XX/XX/XXXXXXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX the reporting of any XXXX in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2

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 2019-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
IT SHOW THAT MY NAME IS XXXX XXXX MY CORECT NAME IS XXXX XXXX XXXX PLEASE DELETE XXXX XXXX FROM MY PROFILE THANK YOU I am requesting that the item be deleted Enclosed are copies of MY ID XXXX XXXX   XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL 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 2023-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Atlanticus Services Corporation
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: Information belongs to someone else

Complaint:
XXXX  allowed a credit card to fraudulently be opened in my name in XX/XX/XXXX/XX/XX/XXXX, even though my credit union accounts were " frozen. '' I submitted the notarized affadavit and copy of the police report I filed and have followed up with XXXX  several times, but the company still hasn't removed the record from my credit files and continues to report that payments are late. My credit score has dropped because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We to local Wells Fargo Bank in XXXX to refinance our home. We completed the paperwork and the mortgage manager looked at it and made us pay. {$500.00} to start process. He said it look great and they would call us back if we need to come back to do more paperwork! 5 days later a Denial Letter came in. They said they were sorry and they were keeping our {$500.00}. Dollars. No explanation. That day the had 10 others apply for a refince mortage and everyone was denied. I found out years later that the local Wells Fargo has been scamming Military Families for years. We look back and really felt that we were spam also as a military family!

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2021-08-09
Company: LoanCare, LLC
State: MD
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:
My mortgage was in forbearance. The loan was current. Before the forbearance was to end, I ended up with a new job in a different state. I sold the residence and paid the mortgage in full, XX/XX/2021. Forbearance was to end XX/XX/2021 ( first payment due ). They reported balance of {$0.00} but did not notate payment for XX/XX/2021. BUT the put on mortgage was 120 days late. I tried to call but their system says I don't have account and I can not talk with anyone. 
How can they say I am 120 days late? 
How can they say balance is paid in full yet record no payment? This cost me 90 points on my credit report and may cause me to lose my next mortgage for a new house. 

This company has been horrible to work with from the time they bought my loan and now is just horrible.

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 2020-05-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my credit card account, over the phone, on XX/XX/2020. I had a credit balance on my account of {$290.00}. 
When I had not received a check for the balance within the 7-14 days, I wrote to AT & T Universal Card/Citibank on XX/XX/2020 and requested reimbursement of my credit balance in the amount of {$290.00}. 
When I had not received my credit balance a month later, I again wrote to AT & T Universal Card/Citibank on XX/XX/2020 requesting my credit balance. 
On or about XX/XX/2020 I received the attached statement showing I had {$0.00} balance due and on XX/XX/XXXX : Stop Pay Reapply CK # XXXX. The statement also shows on XX/XX/XXXX : CREDIT REFUND AS REQUESTED. 
On XX/XX/2020 I received a letter from Citi thanking me for contacting their Customer Service Team. I do not know which instance, phone or mailed letter, they are referring to, but I am clearly getting mail from Citi yet I still have not received my check. 

All documents referenced above are attached in a single PDF file in reverse chronological order.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 2022-08-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-09-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from American Express. I called on X/XX/2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received mailings that someone opened over XXXX accounts in my name. 
I never opened an account with truist bank. 

Their customer service is less than helpful.

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 2020-07-29
Company: Experian Information Solutions 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 previously made a complaint regarding Experian. Nearly two months after a dispute letter was sent challenging inaccurate information in my credit report, I still had not received a response. I made a complaint on CFPD. Experian responded FALSELY that they had received and verified everything in my dispute letter and that a response would be forthcoming in the mail. A couple of weeks later I received their " response ''. Nothing had been investigated and a line that " unable to honor my request due to incomplete information ''.

Clearly, they hadn't even looked at the dispute and filed a false response to the CFPB, a federal goverment agency. I consider this perjury. My letter was clear, concise and clearly demanded action desired. I consider this inexcusable. I wish for this to be pushed forward for sanctions against Experian. I have resubmitted my letter to Experian and will appraise CFPD of the response or lack thereof.

I have cc 'd the complaint to the California Attorney General 's office as 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