BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, I notify PAYPAL of fraud/unauthorized transactions of my PayPal credit card business account. At that time there 7 unauthorized transactions totaling XXXX dollars. Due to the incident, I closed the card for future fraud. After notifying Paypal,  they allowed the transactions to go through making me a nightmare and a headache in my Bussiness Bank account. 

Their slow response and bad customer service is a negligency of their part that shouldn't be allowed. I don't understand such a big company allows for fraud to go that easily. I tried to call them and haven't been able to speak with anyone since XX/XX/XXXX and we are XX/XX/XXXX. I seek resolution and fast response for this incident to be resolved as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, Equifax and XXXX about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote XXXX letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: SC
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 been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have applied for the offer extended to me by The Huntington Bank that required {$3000.00} spend within 90 days. 
Since I was working abroad until XX/XX/2022 I have called the bank upon my return on XX/XX/XXXX and inquired the current TOTAL spend on the account upto that date. The figure I was given was {$1500.00} which should have included a refund from XXXX XXXX ( over {$100.00} ) that took place back in XXXX before I left the country. That's what the meaning of the word TOTAL is. I then was informed that I have to meet the spend of {$3000.00} by XX/XX/2022. Thus the TOTAL spend taking place was {$1500.00} until XX/XX/XXXX and additional {$1500.00} in purchases until the XX/XX/XXXX offer 's closing date giving a TOTAL spend of {$3000.00}. 
When I called the customer service on XX/XX/2022 I was told that the info provided to me during the call on XX/XX/XXXX was incorrect and the {$3000.00} spent wasn't met thus I do not qualify for the {$300.00} bonus. Please note that the total spend on all of the card during its existence approx {$3200.00}. 
Frankly as business owner it is truly appalling the the customer service supervisor was not even professional enough to listen what the customer had to say but to talk over the person with a very arrogant and unprofessional demeanor. Furthermore when I asked for a personal ID he told me that he doesn't have to give to me and the only info he would produce is that the call was taken out of XXXX ( MI? ) location.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: CT
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:
on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.

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 2022-01-07
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX of XXXX, my child support eppi card, from Wisconsin came up missing. A new one was requested. The one requested on in XXXX, was not received. So, I called in XX/XX/2021 and requested a second one. This card was not received either. While waiting for the card, '' the general delivery post office, in XXXX XXXX, MN XXXX trespassed me, which that's a different matter. So, I got a friend in XXXX, MN to allow me to use their address in XX/XX/2021 to get my card. When speaking to EPPICard, I asked '' how could I use the card, if it had not been received, until XXXX? Long story short, they refuse to issue credit. It is believed that another card is being used under my name. I movedto PA. EPPICard is now updating there system on XX/XX/XXXX. Who cares, but as I told Customer service. It's not fare for me not to receive my child support and some one else too! My card ends in XXXX, but wasn't received, until XXXX XXXX, but they show charges, before that. That is why I believe they allowed someone else to have a card. EPPICard is commiting fraud and I'm suffering for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
After turning in the car in EXCELLENT condition, they stuck on a " disposition '' fee for {$350.00}. Feel this is an unjust " garbage '' fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-06-28
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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} XXXX received- NO XXXX - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
Equifax - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} XXXX received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received XXXXNO XXXX - Charged off XX/XX/XXXX Equifax - Charged of XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO XXXX - Charged off XX/XX/XXXX Equifax - Charged off XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Lima One Capital, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls. I have two mortgages with them and this occurred on both mortgages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out my information was leaked to the dark web and I start noticing accounts on my credit I did not recognize and and now they are in collections I reached out to the creditor and I disputed the account and they refused to remove it. I have also filed a police report for the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: AL
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:
Due to understand Equifax have a incorrect address on file allowing XXXX XXXX LL to report false information an illegally debt have anything know account number show to different amount XXXX XXXX XXXX paid another not have no knowledge of these accounts not just that I had to correct my date of birth to Equifax now XXXX credit report they allowing the same problem false account information due buying my data my personal information to collect a debt with a written statement an signature document an identification number on file provide by law government law they in violation of credit report agency consumer act requirements I requested everything should be removed an deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously submitted a complaint with your organization and it was closed as the Bank of America promised an inquiry and response. We received emails as pdf attachments with no contact info two different times both saying the same, that they will respond with details. Unfortunately, I did not receive any formal conclusion with a response to my questions. This has been more than 180 days, the first response promised action within 60 days. I tried to call the number you provided but the extension does not take me anywhere. 

CFPB previous complaint details : STATUS-Company responded on XX/XX/2021 Previous Complaint Number : XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.

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 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX 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 non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXXXXXX Balance Owed : {$18000.00}, XXXX XXXX XXXX Owed : {$660.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, 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, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, XXXX payments for exactly same amount were drawn on Bank of America XXXX and paid to Bank of America VISA credit card XXXX XX/XX/XXXX, called Bank of America to report duplicate payment, and was advised a claim was opened to reverse the duplicate payment After waiting a few weeks, expecting prompt resolution, funds have still not been returned to my XXXX  On XX/XX/XXXX, upon checking through online banking for dispute status, I had no notifications and online chat stated no open dispute and no history of dispute within past 120 days. Upon calling Bank of America, I was transferred multiple times and misdirected by multiple agents, and was ultimately transferred back to the main customer service line, on hold waiting for an agent for 35 minutes, after which call was picked up and I was placed on mute for about 7 minutes with no agent answering and then the call was disconnected by the bank. I called back through online banking customer support, and the agent assisted in connecting me to Claims. Claims agent confirmed dispute that I originated on XXXX XXXX and stated that the claim was in review status, and they had up to two billing cycles to resolve. Upon challenging the agent that it sounds like they are handling as a credit card dispute vs. a Reg E payment dispute, she refused to escalate to a manager or to have a manager call me back. I advised her that this was being mishandled and that I was asserting and. executive complaint and reporting to CFPB, after which she either placed my call on mute or just discontinued responding to me or acknowledging me. After about 10 minutes this last call was also disconnected by the bank. 

After 2 1/2 hours trying to resolve, no resolution, no notification through my online banking account, no e-mail response and no escalation callback.

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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: IL
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 am a victim of identity theft and the contacted companies won't close and adjust accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Rocket Mortgage, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, after complaining about an UNAUTHORIZED CREDIT INQUIRY by Quicken Loans, a Quicken Loans employee named XXXX XXXX retaliated by sending me a text from phone number XXXX that violated the Telephone Consumer Protection Act. In that text, after mocking my concern about my credit report, Mr. XXXX attempted to solicit me for debt consolidation : " Let me know if you want to consolidate all that CC debt! '' I don't know how Mr. XXXX gained access to my private credit information after I made it clear to Quicken that I did not authorize a credit inquiry. I would expect them to keep sensitive customer information secured. 

My privacy was violated when Mr. XXXX used that information to solicit me by text for debt consolidation services.

Company response to consumer: Closed with explanation