BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It first started with XXXX I was selling some of my personal guns and ammunition during the last pandemic back in XXXX XXXX needed the money, and gun and ammo prices were high because of shortage.All my sales were legal and every gun was sold through an XXXX dealer as the law states and not directly to individuals. one of XXXX acceptable payments was Paypal. So i made some transactions through Paypal at the customers 's request, transactions were going smoothly at first the i receive some email from Paypal asking more details about transactions, stating that it was standard procedure because i was still a new seller, asking me about products details and tracking numbers stating that it was also to guarantee buyer 's rights. Then the surprise me with a temporary freeze of my account until i answer some of their questions and provide them with proof of sale and proof of purchase and also tracking numbers with XXXX. after my full compliant they unfroze my account and i continued selling. Until the decided to permenantly terminate my account and hold my money for 180 Day claiming to make sure no buyers complain on my products and transactions. Which no one ever did and i have a great rating on XXXX. I waited and waited, calling Paypal every now and then with no direct answers to my question of what happened to my money. 180 days minus 4 days i call and descovered that my balanced was XXXX. My balance was XXXX $ and they confiscated the whole amount. i was really struck by a lightning then. their answer was that i violated their policy term and i owed them all my balance. to begin with, i sold my personal belongings to get some financial stability during the bad times we passed through. they took all my money. Well not took but stole my money. 
Thank you for Understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: Colony Brands, Inc.
State: PA
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 was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
RE : Wells Fargo Misrepresentations and Regulatory E Violations for Case numbers belonging to Wells Fargo herein : Case Number ( 1 ) : XXXX, Case Number ( 2 ) : XXXX Case Number ( 3 ) : XXXX On XX/XX/2021 I filed a claim on three transactions in connection to a scam I fell for, totaling {$100.00} USD. Wells Fargo promised a resolution within 10 business days. To date, nothing received, and no resolution or any paperwork *even* *confirming* the three claims ' existence. 

I was *not* provided their promised courtesy refund of {$100.00} for being scammed. To date, *zero* conclusion to the investigation as promised, *zero* resolution to date, nor any outcome of their investigation as promised. 

To make matters worse, Wells Fargo is obstructing me from reporting these ( 3 ) transactions to XXXX because Wells Fargo is unable to provide me the required 12 characters XXXX payment ID for each XXXX Transaction as requested by XXXX Scam Reporting process I, therefore, am unable to file a scam report under XXXX : XXXX I've called Wells Fargo multiple times requesting the 12 character XXXX payment ID and they won't tell 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 2018-06-10
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela, stated that my direct loans had been transferred to them they are unable to produce a master promissory note and continue to up the balance. First it was XXXX in XX/XX/XXXX then XXXX in XX/XX/XXXX now XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: JPMORGAN CHASE & CO.
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:
XXXX and XXXX  taking way to long over 30 days to fix a ftc claim XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: TN
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 AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was incarcerated  for XXXX years from XX/XX/XXXX to XXXX year XXXX I had an American Express serve card and I had Social Security XXXX benefits going in to my account however during my incarceration  a Business from XXXX named XXXX XXXX took out a lump sum of almost {$12000.00} out of my account and XXXX was taking out XXXX a month or {$1400.00} in music fees that I did not authorize I dont on a XXXX XXXX only on XXXX products and it was done on a XXXX XXXX I try to resolve my problem of fraud with American Express I gave them my incarceration  paperwork stating the time frames I was incarcerated  and I gave them all the debit transactions that feature places was debiting large sums of money anywhere from {$150.00} up to {$4000.00}. The last transaction was {$4000.00} on XX/XX/XXXX I try to resolve this with American Express and XXXX XXXX was the only one that gave me a confirmation number that it was fraud but American Express absolutely did not give me nothing back at all and I did not make none of these charges or had access to a computer incarcerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX   balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2021-11-30
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX   XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello, Capital One called me on the XX/XX/XXXX of the month telling me my credit card payment was going to be late 30 days if I didn't pay them. I paid them right away over the phone and my debit account was deducted right away. However, Capital One is now showing I have a late payment ( for 30 days ) for the month of XX/XX/XXXX. How can that be if I paid on the XX/XX/XXXX?

Im closing on my house purchase on the XX/XX/XXXX and because of this late pay, I now dont qualify. 
I have called Capital One numerous times and they tell me they can not send me any letter stating It was a mistake on their part and I have to wait until my credit updates. My mortgage lender just repulled my credit and its still reporting as late. 
I need this XX/XX/XXXX day late to be removed right away so i can close on my house. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred between 2 servicers. XXXX/themoneysource sold our loan to XXXX. 

XXXX and monthly payment collections during the process was very unclear. Correspondence from XXXX/TMS specified a XX/XX/21 effective date. XXXX specified a XX/XX/21 effective date. Both servicers required a XXXX payment. 

I want my second XXXX payment back and I want these companies to substantially improve their communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
Despite living exclusively in the United States for over 8 years now bank of America keeps sending me threatening notices requesting update in my residency documents because I am a citizen of XXXX. They once refused to accept the document I provided ( simply because it was not in their list of accepted documents ) and put a freeze on my saving and checking account forcing me to close my account with them. I still hold an old credit line with them and the letters keep coming like clockwork with a very short deadline ( few days ) for document submission and they threaten to freeze my access to the credit cards. This has happened over the past 8 years continuously even though I have a clear source of salary from my job which I completely use for my everyday living in the US. I had zero overseas purchase or anything that can be remotely related to a sanctioned country. I kept my legal residence here in the US for all these years and haven't even left the country since my initial arrival in XXXX 

This is a textbook violation of the federal equal credit opportunity act which prohibits creditors from discriminating against credit applicant son the basis of national origin. 

I am working with 4 other creditors and banks in the US and and unlike what they claim, BOA is the only institution that has this unreasonable and discriminatory policy.

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 2021-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 Purchased a Printer from XXXX XXXX Via Online on XXXX PAID by WELLS FARGO XXXX Credit CARD was Completely PAID. And I received Est. XX/XX/2021 only Printer Fallowing few days Later. Received a XXXX XXXX. So I arrange a Technician to Come to my HOME office to Install for me. I was Excited with my NEW XXXX XXXXXXXX. 
Tech he did Fallowed Step by Step instruction to hock-up with Power / Computer . Before Test Print. he did assure all the Cartridges are in Place. So he Powered the Printer. First thing we heard is a High pitch Noise. And Printer did not Complete it's. Functions to Complete the it Process. So he Discover Opening the Printer Cartridge Door. One of Cartridge BLUE was Not Ejecting as it Suppose to.

I immidetly Call XXXX. XXXX XXXX XXXX number. Un-Lucy to get Connect a tecnical Support. HOLDING 20-30 Minutes. 
So I jump to XXXX. Returns Site and found out it's not that XXXX to obtain XXXX from XXXX. FIRST, We have XXXX XXXX XXXX once it submit XXXX. will Review Case by Case to authorize a XXXX. And this Process could take weeks. 
It Means just Because XXXX shipped XXXX XXXX. I have Snuffer NO Printer, NO MONEY. Wells Fargo Visa. STOP letting it Customer to File online Dispute. You are SCREWED.

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 2022-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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 is in regards to Account # XXXX I have demanded PRA to submit sufficient information on the above mentioned account. They have not provided me with this information yet they continue to violate my rights.

1. PRA ignored my requested and responded after the required ( 30 ) as written in law.

2. PRA updated/verified this account after I made a dispute 3.PRA information that was sent to me do not reflect the same information provided on my consumer report and is erroneous.

4.PRA continue to participate in illegal collections This company had done severe damage to my personal, and business life and had held me financially hostage. I have sent multiple letters and have made a XXXX  complaint.

Company response to consumer: Closed with explanation