BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account 2 years ago, associated with the email XXXX. I had an outstanding balance on the account amounting to {$980.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
We reside in XXXX XXXX California and we have been dealing with an issues with XXXX Bank of America Card since XX/XX/2020 with no resolution. On XX/XX/XXXX and XX/XX/XXXX we paid some household bills as follows : XXXX XXXX XXXX {$610.00} XXXX XXXX- {$600.00} XXXX XXXX XXXX- {$720.00} and {$600.00} XXXX XXXX XXXX- {$130.00} We paid these bills with my husbands Bank of America XXXX card . In XX/XX/2020 we received various letters from the utility companies indicating the payments were reversed because Bank of America flagged payments as fraud. {$2600.00} in utility payments were reversed and we had to pay the utility company that money directly because our utilities were going to be cut off. Upon contacting Bank of America they we were told there was no claim on file and they did not receive the reversal of funds from the companies. We them proceeded to open a claim to have the situation investigated. We faxed over to them all the reversal notices we received and Bank of America applied a credit. A few months later the funds were taken from my husbands account again and we are again going in circles trying to resolve the issue. Can you please help us or give us information in who we can contact to file a complaint and have this investigated at a higher level. Thank you for your time and attention.

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 2016-11-08
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/22 {$440.00} XX/XX/22 {$290.00} Wells FargoXXXX Disputed transaction as they were atm withdrawals made outside the country. Wells Fargo declined my claims without proper reasoning.

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 2017-05-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.

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 2015-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting incorrect & false payment history of this account, they are refusing to update and remover this item. I have submitted supportive documents from creditor. the creditor has reported different date to XXXX & XXXX which have removed / deleted the account off my reports.this account is having a negative effect on my credit. the account was first reported negative in XX/XX/XXXX, but they are back dating saying it was XX/XX/XXXX. this account has never been current since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I assert that Equifax is retaliating against me for having filed a complaint against them with CFPB, in that they have disallowed my ability to file a dispute online and the automated system does not recognize my PIN and personal information when lifting a security freeze. Each time I 've reported the problems, Equifax staff state that it 's just a system error. I have to waste hours on the phone to file a dispute against ant inaccurate records and experience great delays with processing the lift of my security freeze when seeking to apply for credit. Their conduct is assertedly retaliatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Fay Servicing LLC and XXXX XXXX XXXX somehow messed up the payoff balance after the XX/XX/2022 settlement. Each are blaming the other and are saying I am responsible? I was not aware of this until the week of the XXXX of XXXX 2022 when XXXXXXXX XXXX  called me and said something about they both paid on the escrow and I had to go to the courthouse and get the {$1800.00} check and cash it and send them {$1700.00}. Called Fays during the same period and on same day and they said they returned the payoff of XXXX because it was suppose to be XXXX. Now I am no genius but that is a difference of XXXX so why did XXXX need {$1700.00}? It changed two more times too {$690.00} and I believe {$1900.00} some? Have attachments I hopefully am able to send one includes Fays charging me XXXX house payment of {$1300.00} and now a XXXX recent payoff I requested on XXXX 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Performant Financial Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CHECK INTO CASH INC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company I believe to be a Scam Debt collection agency contacted me stating I owed a debt from 2011 on a payday loan and that I was facing prison time for fraud. They stated they were contacting the XXXX 's office to press charges on behalf of a payday loan store I do not remember. They also contacted my father stating the same and telling him I was looking at immediate prosecution and jail time if the debt was not paid immediately. The SOL passed after 12 months in the state of Tennessee ( anything under {$500.00} ), so any debt can not be collected on with the threat of action anyway. They have attempted to collect further information and payment through contacting other family members in other states and informing them I will face prison time unless someone pays this debt. 
The name of the company is : XXXX, XXXX XXXX. XXXX XXXX XXXX, FL XXXX Phone # XXXX I am certain they are scammers and will be sending them a notarized cease and desist letter with return reciept requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: Collections Acquisition Company, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid and should never have been sent to the collection agency. It was a fee for my PO BOX which I paid at the window in cash and then my PO Box was re-opened and I kept getting mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am making payments to different medical bills. They continue to call using bogus names and numbers! The last phone call was from XXXX XXXX, local number but told me they were Phoenix Financial and won't quit calling continuously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Good Morning, Yesterday, XXXX, I attempted to link my TD Debit Card with my new XXXX XXXX  account, and I couldn't. Apparently, it seems that my debit does not match the name TD Bank has me banking with. In other words, my debit card does not post transactions in account # : XXXX. And it should be. My card should NOT. reflect XXXX XXXX XXXX, and a different name on the back ( in their system ) ; let alone in a CLOSED account. 

This seems to be the reason why I still have not seen or received {$67.00} from the incident CFPB reference # : XXXX dated on XXXX. 

So, please tell the bank they need to ensure my Debit Card chip needs to be tied to the account that reflects my name in their system ; not XXXX 's name, XXXX, XXXX, XXXX, or anyone elses ' name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: MicroBilt / PRBC (formerly CL Verify)
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered. 

My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( 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 2022-03-17
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX GA XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ) and I was never 120 days late ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CT
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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Chase Credit card that I used to purchase Airline tickets to Hawaii of this year. Due to Covid I could not get a flight to XXXX from XXXX because we could not fly! The airlines solution was a credit for 2 years well I'm six months into that timeframe and I don't see myself flying anywhere until this country gets Covid 19 under control. I requested that my account be credited this was well over 2 months and I have not received my credit or a response from Chase! I have written them 7 times!!! 

I will not be traveling to a state where I have to quarantine for 14 days so a airline credit is unacceptable!!!! I'm the one being penalized for interest on my charge and I cant fly!!! 

So big airline gets to keep my money and put me at the disadvantage financially?? Not fair!!! I'm only seeking a credit for services that were not given!!!! It's not my fault Covid 19 happened nor should I be penalized. Please help! This transaction was posted on XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation