BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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:
address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Remitly, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Remitly to send money to my family ( on XX/XX/2020 ) to help them during the covid19 and I opt to send the money to the bank account of my family member. The amount was {$3100.00} and my family member did not receive the fund till today, though I have received the receipt that the funds are available in XX/XX/2020. Because I did not know where the backlog is it happening XXXX or with the USA. I decided to use a different money transfer agency ( XXXX XXXX ) and I sent only {$200.00} to the same bank account and my family member was able to receive the funds in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Paypal Holdings, Inc
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To Whom it may concern I went to Walmart to grocery shop. when I reached the cashier she asked me if I would like to apply for a Walmart credit card and I said yes she asked me a few questions and they replied back with what looked like a receipt. I looked it over and agreed to the terms and conditions. The card was through XXXX XXXX. I then signed my name at the bottom and gave it back to the cashier and she gave me a copy. My Walmart Credit card came in about seven to ten business days. I received a bill the next month after using it. I never paid what they would ask me for I always would pay more so I stopped opening the bill because I always paid three to  XXXXour times more then what they would ask for. About the end of the year I called to pay my bill and I noticed that my payment amount was very high. It left from been under {$100.00} to been over {$200.00} dollars. they informed that my due date had changed. I asked them why but they could not tell me why so went on and pay what I normally pay. Well by XX/XX/2020 when my bill came I opened it and it was still very high so I call them again and they said that because my due date had changed they were charging for 40 day instead of 30 days. So I asked them to change my due date back to the original date that I had from the beginning. After they did not do that when I got my bill for XXXX I realized that this was not XXXX XXXX it was Capital One I did not want to do business with Capital One because their APR was too high for my plus I never signed a contract with Capital One. I decided to just pay the bill each month until I pay it off. On XX/XX/2020 I decided use another card to do a pay off because I had a free APR with this new card for a year so I called Capital One for my pay off. My bill said my balance was {$4400.00} but the customer service representative said my pay off was {$4500.00}. I don t understand that. I thought when you pay the entire balance the interest rate comes off and it lowers the balance amount that you would have paid if you were paying a bill each month. Pius Capital One is behind on sending my information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: WELLS FARGO & COMPANY
State: OK
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I bank with Wells Fargo and I live in the state of Oklahoma. I am unable to close a CD account unless I go into a branch which is over XXXX miles away. My CD account auto-renewed against my personal wishes. 

I want to close it. I can not go into a branch because the nearest one is over XXXX miles away. 

I can not close it over the phone as per company policy ( I am required to go into a branch ). 

I can retrieve the paperwork to close the account online ( and can close it by mailing in the paperwork ), however, I must know the account number which Wells Fargo can not give over the phone. The only way to retrieve the account number is by going into a branch, which is over XXXX miles away. 

I would like to close the account without needing to go into a branch.

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:
address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

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 2016-04-21
Company: Paypal Holdings, Inc
State: RI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: Diversified Recovery Bureau LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.

Company response to consumer: Closed
Consumer complaint received 2015-08-30
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit reports are showing 2 debts with Portfolio Recovery Associates. I have sent several letters requesting that they provide proof with my signature showing the debts are valid and belong to me. They have failed to do so. They are only saying that the debts are mine and that my social security number was used. Per the Fair Credit Reporting Act, they are supposed to provide me with my signature as proof that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was 6 days late on paying the entire full balance because I dont get the bills telling me promotional rate is done. 

Even all the emails didnt have the dates written. 

So payment was due in XXXX but I guess it was 6 days late and I was charged {$1400.00} in interest only!! 

Its my fault for not paying after 12 months but I never got notices or even few day grace period

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Every time we refinance with a company, they sell our mortgage to another company. This is the third time this has happened. Our mortgage company is Rocket mortgage. They did not give us the 30 days notice and now we have to deal with a company that is not reputable and that company is freedom mortgage. This has happened with XXXX XXXX, XXXX, and now Rocket Mortgage. Is there anything we can do at this time to stop them from selling the mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did the XXXX program. I was suppose to get XXXX to XXXX dollars for not missing a payment. Once I made my next to last payment. Wells Fargo sold my account and kept my XXXX dollars.

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: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My original loan from XXXX XXXX was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to Clearview Resolutions. These people referred me to Clearview Associates who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than XXXX XXXX. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a Clearview XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I completed an online purchase at XXXX XXXX with their branded card. They use Citibank to issue and process their cards. I have been double billed and the online department the credit department are playing the blame game. They each tell me the other needs to correct the issue. Neither is correcting the error.

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 2016-11-01
Company: Paypal Holdings, Inc
State: IA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I used Ebay as a selling tool to sell my used XXXX XXXX XXXX XXXX or XXXX driver headlight. The buy contacted me on several occasions and received all necessary information about the product via Ebay messages. My final message to the buyer included the part number and to ensure that the item fits his vehicle prior to buying it as i did not want any returns. I clearly stated that in the listing. Buyer proceeded and purchased the item from me 3 days later {$330.00} ). In addition to this purchase, buyer bought XXXX additional headlight ( {$30.00} ) from me that was in broken condition and was sold for parts only. Upon receiving the items, buy requested a return and stated that item does n't fit and the part # is not what he wanted. I advised that there are no returns. Buyer opened a return with Ebay and Ebay agreed with me ( seller ). The buyer however, is not realizing that he purchased both items from me and was opening the return for the {$30.00} headlight but wanted refund for the {$330.00} item. Then buyer stated that the item was damaged. I immediately contacted XXXX and filed a claim. XXXX examined the package and found that there was no damage and buyer falsely reported the claim. The buyer turned around and opened a case with Paypal which was used to pay for the product. I provided all my messages to paypal from ebay and from XXXX that the buyer was attempting to scam me and XXXX. Paypal reviewed the claim and contradicted all the evidence and allowed the return to the buyer without a valid cause. PayPal was used to transfer the money only and the initial agreement of purchase is held with Ebay. If ebay is deciding against the buyer, PayPal can not make their own decisions and contradict Ebay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$4000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}

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 2020-05-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove these fraud alert remarks from my equifax report for the past 2 weeks now. I've mailed requests, faxed requests and gone over the phone with equifax staffmembers who have swore to me these fraud alert remarks would be removed after me passing phone verification for them to manually remove them, staffmember said it would be off within 48 hours. This call was taken place on XX/XX/XXXX, I look at my profile today XX/XX/2020 and still, the alerts are on, the staffmember even gave me a confirmation number to keep for my certainty. Confirmation # XXXX was the fraud alert removal confirmation he gave me. But all in all, Equifax doesn't do their job, once again, per usual, now i have to file this complaint because without surveillance, Equifax just doesn't do their job for consumers, its plain as day. I've attached the few sheets ive mailed and faxed Equifax over the past two weeks authorizing them to remove the alerts and displaying what i see in my Equifax credit report subscription portal and once again, TODAY! This is madness and needs to be handled asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-08-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
There are charges I know nothing of or was aware of.

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've wrote through several letter attempts from XX/XX/2020-XX/XX/2020 to remove inaccurate information and accounts that are in FCRA violations. 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.

Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

Company response to consumer: Closed with explanation