BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Bank of America was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a " garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?

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 2022-05-27
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Despite my four written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of re-investigations, Experian stated in writing that they verified that these items are being reported correctly. Experian refused to address my request to identify who in their company verified the accuracy of these accounts or how they verified them. Experian is not willing or able to produce a document that proves the accounts in dispute belong to me and the information being reported is accurate. The failure to provide me with verifiable proof required from Experian to post the accounts listed below is evidence that it does not exist and therefore is proof that Experian can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( a ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' Due to Experian 's continued willful disregard of the law, I am filing this complaint to get the following unverified accounts removed from my credit report file. 

1. XXXX XXXX XXXX ( remove unverified account ) 2. XXXX XXXX XXXX ( remove unverified account ) 3. XXXX ( remove unverified account ) 4. XXXX XXXX ( remove unverified account ) 5. XXXX XXXX XXXX ( remove unverified late payments XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-05-27
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: Account information incorrect

Complaint:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a zero  balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this fraud account that is being reported on my credit report to Experian account XXXX XXXX for an amount of {$160.00}. I also provided a police report and a Federal Trade Commission Identity theft report showing that this account is fraud and does not belongs to me. Experian performed their investigation, and responded back to me stating that my ( MAILING ADDRESS IS INCORRECT ) ; yet they mailed me the notification to my address and ignored the issue that fraud is being reported on my credit file. 

Experian ignored my notification that this account being reported on my credit file is fraud, and the copy of the police reports and Federal Trade Commission Identity theft 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 non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a XXXX balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. Account is still showing an outstanding balance. This is now a XXXX balance account since there was a settlement reached and it was paid in full for the discussed amount. Due to XXXX failure to update in a timely manner this account is to be removed completely from my reports.

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 2015-05-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like to dispute XXXX XXXX XXXX. I paid this card off I believe in XXXX 2014 in full at the XXXX XXXX XXXX in the XXXX XXXX. Experian Credit Reporting Agency is reporting negative information of their site and this account has never been late always pay of time and as of today it is paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian credit bureau has refused to report my mortgage payment history for several years. I have tried on many occasions to rectify by many phone conversations. Since filing a chapter XXXX bankruptcy in XX/XX/XXXX and having it discharged about XX/XX/XXXX. Missing trade information is greatly reducing my credit score. When XXXX and XXXX reports complete credit profiles. Experian should be investigated and fined, if a violation has occurred. I would like for Experian to report my complete credit profile.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: OR
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 an erroneous collection was added to my credit report and my score dropped XXXX points across all bureaus. I contacted the original creditor and collection agency and the account was successfully deleted from my report- however my credit score was never corrected to compensate for the XXXX point drop. 
My score before the item was added was : XXXX XXXX XXXX XXXX XXXX Experian The item was successfully removed yet my score at this time is : XXXX XXXX XXXX XXXX XXXX Experian Please correct my credit score.

The account that was added in error was successfully removed however the impact to my credit score has not been corrected. At this time the credit score on my accounts is in violation of the FCRA as it reflects what my score dropped to and has not been updated to reflect my score prior to the erroneous account.

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 2016-07-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.

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 2017-02-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.

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 2022-05-27
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I ended my lease with The XXXX XXXX XXXX per the agreement and vacated the property. In XXXX Delinquent Recovery Associates began contacting me regarding a false debt claim based around an incorrect vacated date of XX/XX/XXXX. 

After notifying via certified letter requesting proof validating this debt and that they cease all communications with me they have only continued harassing me and sending erroneous documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Paypal Holdings, Inc
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX my daughter transferred money to my paypal account. On the XXXX I called paypal since I could n't get any response from my requests online. I was told that the money had gone to my bank and should be in my account. I contacted my bank XXXX, they informed me that the money had not been received in my account and they did n't know where it was. I contacted paypal and the issue a trace to locate the funds. On the XXXX of XXXX I was told by XXXX a paypal Customer Rep. She informed me that the money was put in an account number that was not mine, it was one number off. This was and is confusing to be as I did not verify this account number and in the mean time I had made a purchase and the fund had been taken from my correct account number. During this time I spoke to XXXX on XXXX, XXXX on XXXX, XXXX again on XXXX, XXXX on XXXX, on XXXX I spoke to XXXX XXXX, XXXX I spoke to XXXX, On XXXX I spoke to both XXXX and XXXX, I spoke to XXXX on XXXX, and on XXXX I received a message from paypal to let me know that the funds could not be returned to be me as the bank denied the reversal. I have been speaking to XXXX and XXXX at the local branch of the bank all along and when I called to check on the denial XXXX let me know that there are several reason that the transaction could be denied but she was unable to tell me anything about this because of privacy. I am at my wits end and do n't know what to do at this point. If I did n't verify the account that the money was sent to why do n't have I my money back. Please Help

Company response to consumer: Closed with explanation