BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I made a transaction through PayPal to purchase software in the amount of {$2500.00}. Within a few hours I was alerted that the seller was using counterfeit software and I requested a refund. On XX/XX/XXXX they issued a full refund. It was just hours apart that these transactions happened. According to PayPals help info when this type of charge/refund happens close together they try to cancel them out so it doesn't even happen. Even though PayPal could see that a refund was issued they showed the charge as pending on the XXXX, nothing in my bank on the XXXX, ( I assumed they were cancelling out the whole thing ) yet, on the XXXX they withdrew the money from my account. It is now 5 days since the refund was issued and it is not back in my bank account. My phone says that the refund is completed this morning yet there is no refund in my bank! Nothing pending. On PayPal it says it's completed. They tried to say that they paid for it with their money. Here is what they said - '' But if you see, the payment you sent was funded by your bank XXXX, it takes 3-5 business days for bank ACH transactions to reach us, so PayPal provided you with an Instant Payment option, which means PayPal paid your recipient instantly so they got paid right away, and then we are waiting for the funds from your bank. But while we were waiting, you have got the refund from XXXX. So the refund is now in pending status. Once we get the funds from your bank for the initial payment, then the refund which is now in pending status will automatically gets credited back to your bank. As you said the funds were already cleared from your bank, I request you to allow it some time and you will sure get the funds sooner. I appreciate your understanding and patience. Thank you. '' I believe this is confusing to any consumer as they are saying that I chose instant payment option. I just paid an invoice that was sent to me. The payment showed in my bank almost immediately as pending, why is PayPal using their money when the transaction is coming out of my bank? PayPal is holding my money and using it for days without refunding me properly. It has hindered my ability to use these funds to purchase the correct software for my business. And I believe they are purposely holding it back now because I have complained to them. I have used PayPal in the past and I have received refunds much quicker for small amounts. It seems to me that they are holding larger amounts as long as they can. I believe you should investigate how PayPal is operating with refunds etc... Not just for this complaint, but for all the people who use this service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX. 

I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located. 

I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX. 

This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: CA
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 found many accounts are not belong to 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 explanation
Consumer complaint received 2022-08-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
-On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license. 
- I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX  2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued. 
- On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''. 
- On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued. 
- On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I see multiple 30-60 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 2021-04-08
Company: U.S. BANCORP
State: OH
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: Public record information inaccurate

Complaint:
Credit reporting agencies do not have same information underwriting have. The three credit reporting agencies tell me they dont have information that my XXXX XXXX XXXX loan is in default, but current. Underwriters ( banks ) say I pay {$3000.00} a month. Ive produced documents from the XXXX showing what I pay XXXX {$0.00} XXXX. Thus no loan.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 1681has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-08-26
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

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 2021-02-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first notified in XXXX from Synchrony Bank that there was an outstanding balance of {$1500.00} due from a PayPal Credit card. I spoke with them and told them I dont even have a PayPal credit card. 
They asked if I current resided at a certain address, I did not. It was the address of my sister and her ex-husband. From what I have figured out one of the two opened a credit card in my name and while my sister was hospitalized in XX/XX/XXXX these charges were made. 
After repeatedly telling them it was not mine they sent me a letter to file for fraud.

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 2023-08-20
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX with XXXXXXXX XXXX deposited a {$850.00}, which I was under the understanding this was a loan if {$800.00} with a finance charge of {$58.00}, so with me applying for a loan and in need of funds, I withdrew {$500.00} from my Truist Checking account! 

XXXX XXXX returned the {$850.00} check from my Truist Checking account, with no explanation to me, thus putting my Truist Checking account in the negative of - {$550.00}. 

Centralized Fraud Operations Truist Enterprise Fraud Management sent me correspondence on XXXX stating the check that was deposited in my account on XXXX was returned due to the check being Altered/Fictitious Item. 
Why would Truist Bank allow this to happen to one of their customers? ( Case No : XXXX ) I would expect either a refund in the amount of {$850.00} from Truist Bank for allowing this to happen to a customer, or XXXX XXXX for depositing an Altered/ Fictitious Item in my Truist Checking account! 

Thank you very respectfully, 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 explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NM
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:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) 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.

( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
My mother had myself on her checking account Joint. I lived in a different state and, did not use her account. The only reasons I was on this account was due to her declining health.She Passed on and this account is dated and affects my personal interest. This is an unfair practice that this entity due to greed can STILL hold me accountable. I prey that your organization will assist in making this right, and correct these dated remarks on my credit report. 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 2023-08-20
Company: EQUIFAX, INC.
State: FL
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:
REF XXXX - EQUIFAX, XXXX AND XXXX DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: MORGAN STANLEY & CO. LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In early XX/XX/2021 I received a letter from E*TRADE Financial informing me that my wife and I had two cash savings accounts, totaling {$23000.00}, that to them appeared to be inactive. We were given until XX/XX/2021 to reactivate them, or the funds would be sent to the XXXX  Treasury, Unclaimed Property Division. I reactivated them, per instructions from an E*TRADE customer rep, by going online and changing the passwords. As of XX/XX/2021, a week after the deadline, the funds were still in the accounts. On XX/XX/2021 E*TRADE BANK unilaterally, without my knowledge or consent, closed both the accounts, without further contact or explanation. The funds seem to have vaporized from that point forward. 

I go to the XXXX Unclaimed Property website at least once a week, and call them by phone once a month. There is no trace of the funds, after almost 18 months. 

I have spent literally hours on the phone with upwards of 20 E*TRADE customer reps and supervisors all of whom profess to be sympathetic to my plight ; each one of them has promised to get back to me, after researching the issue, and only once have I ever gotten a follow up call. And that was just recently, after I sent E*TRADE a demand letter, asking for my money, or tell me where the funds were sent. As of today I have received absolutely NO information about the whereabouts of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am trying to pay my mortgage payment bi weekly through the mortgage company, but they do not offer it because then they lose out on interest. So I pay bi weekly through my checking account bill pay on the XXXX and XXXX of every month. They will not apply that amount to the balance due unless I call. I get an email on the XXXX of the month stating my mortgage payment has not been paid because they refuse to apply my bi weekly payments to the due amount.

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