BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-17
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, an ACH transfer was originated to PayPal from XXXX totalling {$99.00}, to settle a negative account balance of the same amount. On XX/XX/2019, at XXXX XXXX  US Central Time, the transaction completed with trace ID XXXX. As of XX/XX/2019, at XXXX XXXX US Central Time, PayPal customer service management claims the funds were not transferred. Consequently, I am unable to complete transactions using PayPal because the service automatically attempts to charge my account an additional {$99.00} to cover the negative balance already covered. 

PayPal advised 3-5 business days to complete ACH transactions, and refers to this advisement in attempt to reconcile this matter. However, as detailed above, the transaction already completed on XX/XX/XXXX, and PayPal has chosen not to apply my payment to my account upon receipt of funds from my bank. Because PayPal has chosen to hold my money and delay applying it to my account, I can not complete an important transaction before the end of a significant discount period. Consequently, PayPal will cost me an unjustified approximate {$100.00} even if I wait for them to apply the funds that they have already received. 

PayPal 's customer service manager claimed on the phone with my bank 's customer service that the funds did not transfer, even as my bank advised that the funds in fact did transfer on the XXXX of XXXX. It is therefore only possible that either my bank is lying, to no perceivable benefit, or PayPal is lying in order to misappropriate my funds for some period of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXXcredit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 purchased a used vehicle online via XXXX, XXXX. On XX/XX/XXXX, XXXX sent a copy of the credit score they used from Experian to determine financing. The score provided by Experian was XXXX. I called XXXX the same day to ask why the score they used was lower than the score I was seeing. On XX/XX/XXXX XXXX responded by telling me they use a combination of XXXX Score XXXX and XXXX XXXX. The same day, I ordered my XXXX Score XXXX, which was XXXX, and my XXXX XXXX score, which was XXXX. I then asked both XXXX and Experian if they could explain why the XXXX score they were using was so much lower than the scores I was seeing. Neither company gave me an answer that explained such a drastic difference. 

If Credit scores are provided as a guide to help consumers determine their potential financing, then someone should be held accountable for explaining how and why a lender is using a score that is drastically different from the score to which the borrower has access.

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 2020-05-27
Company: Paypal Holdings, Inc
State: OK
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 has decided to limit by account. They have sent many messages stating that they might " steal '' my money claiming they are damages to their company. Also in the same message they are stating that after 180 days they will release my money. This is a contradiction. it has already been over 150 days since my account was limited. If there were any " real '' damages, paypal would have had to time to show proof of this. Since the full amount of my funds are still in my account in the amount of {$1900.00} USD, Paypal can clearly see that there have been zero damages to their business. All items have been sent on time to my XXXX buyers. All my products are legal and I have invoice for each of them from my ebay sales from XX/XX/2020. I am requesting the funds be made available for withdrawal as there is no purpose of Paypal holding these funds any longer, other than for Paypal to " gain interest '' investing my money which they should not have the right to do, considering all my sales are from fully legal products, which I can prove. Paypal blocked any way of communicating with them after they limited my account and I have sent repeated emails asking the date I would be able to withdraw my funds with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 took my car to one stop automotive to rebuild the transmission in the car and when I came to pick up the car and drove it home I noticed the car was leaking transmission fluid and the transmission fluid pan and gasket and filter and the drain valve were all NOT replaced as agreed with one stop automotive. I paid XXXX dollars with my capital one card ending in XXXX. I towed the car back to one stop automotive bur all he did is put silicon on the pan valve and that is unethical and unprofessional and not as we agreed. The transmission in the car now DOES NOT shift at all and the transmission is still broken and one stop automotive did NOT repair the car as agreed and did NOT rebuild the transmission as agreed and did NOT replace the transmission fluid pan or the gasket or the filter and the car leaked all the Transmission fluid out. Now the car is NOT driving and the transmission does not shift and its broken. So the repairs that I agreed with the shop auto stop automotive to do and rebuilding the transmission were NOT done so I was charged XXXX dollars for repairs that were never done on my car. So I disputed the charge with capital one credit card and until now its not resolved in my favor as it should be. I want capital one to give me a permanent credit for XXXX dollars because I never received the services for that money and the repairs were NOT done as agreed and the transmission was not rebuilt as agreed. So I did not get the repairs for the money I paid. Capital one needs to resolve this dispute to my favor and give me a permanent refund and credit for XXXX dollars. The disputed case with capital one card is XXXX. I did not receive the repairs I paid for and the transmission is not shifting and not working and one stop automotive gave me a one year warranty which they are NOT honoring and they are not refunding my money and NO repairs as agreed were done to the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -ARS # 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 2021-02-25
Company: Avant Holding Company, Inc.
State: NJ
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 open the account and never receive the card. The company open the account whitout verify my identity and allowed the criminal use the card. I alert them that I didt receive the card and try open a dispute, they have same person on the costumer service that never help or guide a solution. I report them after they send the statement and its been already 2 months and nothing been done. Besides hurt my credit now they are charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Product was ordered and total amount was charged in the amount {$100.00} my credit card was charged twice for the same item which in total was {$79.00} on XX/XX/20. The said vendor paid made good on the two items in which they were both returned to them. The credit card company representative whom I spoke with on the telephone was informed to closed the account in which there is no balance that is owed by myself. The credit card company calls everyday after informing them to close the account and I have no balance owed to them.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2022 consumer disputed the accuracy of the US DEPT OF EDUCATION account with EXPERIAN to update account as PAID IN FULL with a {$0.00} balance, Experian still has not updated the accuracy of consumer 's credit report regarding US Department of Education student loan accounts.

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 2020-06-04
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}

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 explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: TX
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:
An unknown inquiry hit my Equifax report that I did not apply for. I believe it to be XXXX. 

The inquiry supposedly came through on XX/XX/21. 

I reached out but could not get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: IL
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 have filed Identity theft report because one item appeared on my report on Equifax Bureau, that doesn't belong to me. Equifax refused to investigate and reply back to me with no result. They do not have verification information but claiming like this account belongs to me. Only Equifax has reported this account on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car in XX/XX/XXXXand refinanced with another company ( Santander ) in XX/XX/XXXX. The company added XXXX on top of the loan, didn't give me a copy of the paperwork and once I paid that off most of my monthly payments go towards fees for the company and not the car. I owed roughly 12,900 and only about 1,000 per year has gone towards paying off the car. I have now had the car 6 years, 5 years with the new company and still owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Early Warning Services, LLC
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 have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. 

These accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX  XXXX and i want this information removed from my report with Early Warning Services.  XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card with Synchrony Bank which got stolen in a airport some years ago. 
I reported the fraudulent charges and situation to the bank and even asked why they allowed for such irregular charges to be made. 
They removed the charges and later on I began getting statements to pay back the charges I did not make. 
They did not honor their police of zero liability for fraudulent charges and instead had reported this to credit bureaus damaging my credit and sending it to a collection agency, XXXX XXXX XXXX. 
I provided the debt collector with my affidavit as well as additional information to sustain my claim of not recognizing the charges and its still shown in 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 non-monetary relief
Consumer complaint received 2019-02-27
Company: Consumer Portfolio Services, Inc.
State: AL
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 inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 credit reporting agencies were made aware of the fraudulent activity on my report. They did not follow the federal procedures.

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