BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: PA
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/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed now.

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 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I made a payment of {$200.00} and payment was withdrawn from my bank account that very same day. Payment never reflected on my account available balance. The weekend came and nothing. Called them they said payment would post Monday! Tuesday came and nothing. Called them again said payment would be in hold until it clears Wednesday! Even though the payment had retrieved from my bank account! I made a second small payment of just {$10.00} dollars to see if it would happen again small thing payment withdrawn from my account yet not reflected on my balance!!! Called again Thursday they said payment would be reflected on my account FRIDAY!!! Called again and now was told payment would be on hold till Sunday!!! More than a week!!!!! I would have never in a million years paid the last of my money during this pandemic if I knew this was going to be the case. Still a week later no money no available credit and starving! I am literally crying while typing this message I'm hungry and still no money with no end in sight. Never get a credit card with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 mailed a letter to Transunion on XXXX XXXX, 2020 ( USPS : XXXX ) in regards to an XXXX XXXX account that has showed up on my transunion report. In the letter included my Police Report from XXXX Police Department, Identity Theft Affidavit, and other documentation that shows I've taken the necessary steps to report my identity theft to the proper authorities. On XX/XX/, 2020 Transunion received the letter and a few days later opened a standard 30 day " investigation '' and refused to block the fraudulent information while they " investigate '' despite having proof and documentation according to FCRA 605b. This methodology has caused greater stress to an already stressful issue to rectify. Transunion has shown gross negligence in treating this like a normal dispute. These companies control so much of our livelihood and take very little action in helping out the small people who's information they collect and sell to ensure it's accuracy.

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 2018-03-26
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was contacted earlier in the year by a representative from Iberiabank. I left voicemail but never received an answer back. 

In XX/XX/2018, I received a voicemail from XXXX and attempted to call back but there is either a long hold or when I press 1, it hangs up my call. I can not reach anyone. I also received an email to my Iberiabank account but could not login at all. I have been having issues logging into Iberiabank for a long time, especially since losing access to electronics from Harvey. 

Finally, I received a mail notice from Iberiabank on XX/XX/2018 stating that my account ( XXXX ) was being charged off due to an extended overdrawn status in the amount of $ XXXX. I had no idea my account was in this status until XX/XX/XXXX. Why was I not mailed a notice before then? Any call attempts I had were no good.

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 2020-02-07
Company: EQUIFAX, INC.
State: NV
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 identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX  US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX inquiries 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 equifax US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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  US Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
I have had identity theft happen to me with a XXXX  secured card. I have told XXXX  and equifax many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2017-12-05
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:
XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to XXXX, XXXX, and TransUnion. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to 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 2018-03-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for over a year to have my escrow over payment of {$11.00}, XXXX be returned to me. I have called the mortgage servicer ( Shellpoint ) every month and have gotten no where. Each time I call, it is as if they never heard of my problem before. I have documentation of each call. Each call takes at least XXXX minutes and ends with someone ( who call themselves a manager ) will look into it and call me back. No one ever does. I am at the end of my rope and feel that I am at the mercy of the bank who could care less. I am not rich and really need that money to take care of my children. The details-my loan was at the time of the incident through Shellpoint ( this was the third servicer since I got my mortgage ). They paid XXXX county for my property taxes in XX/XX/XXXX through a third party XXXX. The payment got bounced back to XXXX because there was no money due. ( My accountant had already paid the bill through my personal check ). Shortly thereafter, my mortgage was again being transferred to XXXX. Now is where I get different stories from each person. Shellpoint says the money got transferred in XX/XX/XXXX to the new servicer XXXX to account number xxxxxxx ( this is an old account when this loan was previously with XXXX before it got transferred to Shellpoint. That account is closed. My new current account with XXXX is xxxxxxx. I called XXXX ( also every month without help ). They can not find that account anymore and do not have any record of ever receiving any payments to any account of mine. XXXX says they can not help me. I need to know more details about where the money went. So I keep calling shellpoint asking for details about the payment. They say they have to email the request to the payment research department. No one can call them. So every month I ask them to submit a request to research the money. No follow up is ever completed. So now I am stuck. I do not know who to contact to help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been in contact with Experian since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois XXXX XXXX  and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  IL XXXX INQUIRIES XXXX XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by an agent of XXXX XXXX XXXX XXXX XXXX, who stated that they were attempting to collect a debt to PayPal in the amount of {$98.00} and change.. 

I checked my PayPal records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a call one day saying I owe XXXX for five phones I never received or ordered and they went to some address I dont even know because the account didnt start at my address it just ended up at my address because I gave the person on the other end of the phone my address to dispute it but I just figured I could dispute it with the credit bureaus because it is not my account and it didnt start from my address somebody stole my information and used it to open this account. Please could somebody help me with this situation because it is not my account Diversified consultants date updated XX/XX/2019 Amount owed XXXX Original creditor XXXX XXXX That doesnt even sound like a real XXXX  store

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX the full amount of the debt that they are reporting on my credit in late XXXX or early XXXX of 2018. I spoke with them on the phone and gave them full payment. They said at that time that they had already began the process of sending it to a debt collector but they were going to remove me from their file. A few weeks later, I started getting calls from a debt collector and I explained to them that I had already paid this. I disputed the debt, spoke with XXXX XXXX XXXX, and it was removed from my credit report. The debt has since been re added by a different debt collector known as Franklin Collection Services. I never received any notice from this debt collector that they were putting anything on my credit. I spoke with the debt collector this morning and let them know that this has already been paid and that I never received any written notice of this. The agent refused to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.

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 2020-02-07
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I am writing about a transaction of money ( {$4000.00} ) I recently made from my bank account to my wife 's Paypal account. On XX/XX/XXXX, I used Paypal to send my wife, {$4000.00} to help pay for our loved ones bills. She immediately noticed I had accidentally sent the money to pay her for goods and services instead of sending to friends and family, causing her a fee of {$110.00}. She researched how to reject the payment and saw in the Paypal help section that a payment can not be rejected, only refunded, so she chose the option to refund my {$4000.00} to me so I could send it the correct way. 

When Paypal tried to refund to me the {$4000.00} in her account, she had less than {$4000.00} because of the fee and so the attempt to refund of {$4000.00} caused her bank to charge her a fee of {$30.00} ( was seen as equivalent to writing a bad check ). XXXX spent close to two hours going between her credit union and with your customer service line trying to resolve this. Two different Paypal agents told her NOT to put more money in the account to cover the refund of {$4000.00}, but instead to allow this to overdraft again causing another {$30.00} charge. She was told by both agents that this was the only way she could get a full refund of the fee she was charged. 

I talked to two people at customer service, on the same day to try to resolve this and was eventually told that the fees could not be refunded because of the way the money was sent. I explained again that there was no exchange of services or goods and : the money was sent through the wrong selection of paying for goods and services. 
that XXXX was unable to reject the payment so I could send it the correct way. 
that XXXX tried to refund the payment per Paypals instructions. 
that Paypal attempted to take {$4000.00} from my wifes bank, but because the money wasnt there she incurred a {$30.00} fee. 
. the PayPal policy I read just before sending the money stated there was no fee for sending money to friends and family. Nowhere on my statement of sending money to XXXX were fee amounts shown prior to me hitting the send button. 
. that XXXX was told by Paypal customer service that she should allow her account to be overdrafted a second time and that this was the only way Paypal could refund all of the {$4000.00}, including fees. 

I explained that my payment summary stated that XXXX was getting {$4000.00}, not {$3800.00}. I was intending to send money from my bank to a family member yet my wife was charged {$110.00} and had no way to deny the incorrect payment. She is wondering why this company does not allow a person to deny a payment, especially when it is sent incorrectly to that person and causes her to pay a fee when she was not at fault. This format seems predatory to both of us and we hope you can resolve this quickly for us by refunding the fee of {$110.00} and {$30.00} for the overdraft charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.

Company response to consumer: Closed with monetary relief