BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with XXXX XXXX XXXX that I pay in person normally. The store has been closed due to COVID and I am unable to make payments in person. I have called them repeatedly but the phone call is ended before I am able to speak to anyone. I have also used the online chat function in early XXXX and was told someone would email me to follow up but was never contacted. I have no other way to make payments. My card now has several late payments and has been closed even though I have been attempting to make payments this entire time. I have since called back several times and have never had someone answer before the phone call hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
usbankfocus will not allow me to activate my card and locked my account. they say my card was not registered by my employer but i checked my companies website and my information is there.

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 2016-05-31
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear XXXX, Attached with this complaint is a copy of the email that I received from paypal stating they have my unclaimed funds. I ca n't access my paypal account because my phone number has changed so I am unable to receive the passcode on my new phone. I have contacted paypal several times and explained my problem but they are not helping me nor they are releasing my funds. I am contacting you to help me retrieve my funds from paypal. Please advise paypal to send me a check of my funds to the address below. Your help in this matter is greatly appreciated. If you have any questions, please feel free to contact me at the address below. 
Thank you, XXXX XXXX XXXX, ca XXXX email : XXXXXXXXXXXX paypal account number XXXX phn # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from XXXX Credit card company to CNAC on XX/XX/2020 in the amount of XXXX. I check from XXXX was mailed to CNAC on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from CNAC that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With CNAC on the line, I called XXXX rep who stated check had been cleared and cashed already, CNAC rep stated the check returned and a new one would need to be submitted. XXXX did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to CNAC. CNAC also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both XXXX credit card AND CNAC, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither XXXX, CNAC, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay XXXX they will report and If I don't pay CNAC they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine

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 2020-01-06
Company: Experian Information Solutions 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:
I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am XXXX late. From my understanding of the law, this is impossible to be XXXX late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.

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 2020-01-06
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:
I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.

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 2015-10-10
Company: Southwest Credit Systems, L.P.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years. 
he opened a XXXX account under my name owing XXXX $ now on my credit.. 
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history

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 2020-08-07
Company: Experian Information Solutions 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:
experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine

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 2017-01-30
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. 
I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. 
Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. 
I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. 
XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. 
Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. 
Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. Transunion shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on 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 explanation
Consumer complaint received 2020-01-06
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to get in contact with this company multiple times and they refuse to update my balance to the correct amount. On my credit report it shows an unpaid balance of over {$1100.00} when actually all but {$570.00} has been paid. I have attached proof to this complaint and I expect my credit reports to all 3 be updated immediately with the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Hello, my name is XXXX. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay {$500.00} for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay {$10000.00} at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA 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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Bank of America can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Bank of America bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Bank of America still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Bank of America will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. Thanks.

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 2020-08-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've wrote through several letter attempts to remove inaccurate information and accounts that are in FCRA violations from XX/XX/2020-XX/XX/2020. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

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