BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've received a response from Progressive MGMT Systems they stated " this account is for services rendered to your spouse XXXX XXXX for this reason you are listed as a financial responsibility party on the account ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 according with the Federal Credit Reporting act 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've reached out to the three major credit bureaus, XXXX, XXXX and Transunion to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX didn't even had a balance for months just a name. 

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account. 

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX  and Transunion however on XXXX  it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.

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 2023-02-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a customer of American Express for over 30 years. In XX/XX/XXXX, I encountered a problem with a prepaid rental car reservation through a 3rd party vendor ( XXXX ) that was unfulfilled by XXXX. This reservation was paid in full in XX/XX/XXXX on my American Express card in the amount of {$290.00}. The rental period was to have begun XX/XX/XXXX, but when we want to pick up the car, there were no cars available. Since my contract was with XXXX, I tried to obtain a refund from them, but they refused. I immediately filed a dispute with American Express and uploaded all relevant documents. I should mention that, in addition, I also incurred {$280.00} in alternate transportation expenses. American Express was very polite and said they " had my back, '' but they ultimately denied my dispute, siding with rentalcars.com, who falsely claimed I was a " no-show. '' The dispute process dragged on for almost 2 months. I became so frustrated with American Express, that on XX/XX/XXXX, I called to cancel my account. My call was routed to an automated system, and although I would have preferred to speak with an agent, no human took my call. The automated system indicated I would receive a {$100.00} credit for the unused portion of my annual membership card fee. Shortly thereafter, I called American Express to demand a full refund of the {$250.00} annual fee, as their customer service was so deplorably lacking. They opened an inquiry, but no outcome was communicated to me, and at a minimum, I never received the {$100.00} pro-rated credit as indicated by the automated system. After repeated phone calls to follow up with American Express, I was told conflicting outcomes : That I would receive the full {$250.00} as well as {$0.00} credit. In reality, I finally ascertained that I would not be receiving a credit for any portion of the {$250.00} membership fee. On XX/XX/XXXX, I spoke with an agent who suggested that I reinstate my card and use it for the remaining 4 months of the membership period. I realized this might be the most practical solution under the circumstances, and requested that my card be reinstated, but the agent was unable to do so, indicating that I would, in fact, have to apply for a new card. This likely would have required the payment of another membership fee, which I certainly would not do. Therefore I am out of pocket {$830.00}, not to mention the many hours I spent between XX/XX/XXXX and XX/XX/XXXX trying to resolve these compounding issues, which were all resolved in favor of American Express and their vendors. At the same time, they continued to assure me that they " had my back, '' which couldn't be further from the truth. American Express is clearly profiting by misleading their customers, to their financial advantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by two people claiming to be employed by Professionals Credit Services based out of XXXX ( maybe ) with an office listed in XXXX on there site professionalcredit.com. 

The first contact was from a man on XX/XX/22 claiming I owned XXXX XXXX XXXX {$25.00}. I responded that it did not sound right to me and that I would contact XXXX to sort it out. He was insistent I deal with it now but I just didn't feel comfortable providing him with my personal information. 

I contacted XXXX, who confirmed that the debt never exisited and if it did they would certainly have record of both the debt and what credit agency it was sent to. I assumed it was a clerical error but they suggested it was a scam since they have been recieveing alot of inquiries like mine, with a low amount that they have no record of. 

Today ( XX/XX/22 ) I was contacted by a person names " XXXX '' claiming to be from Professional Credit Services and demending {$28.00}. I explained that XXXX denied the debt ever exist and that this was a phising call. At which point she got combative and refuse to provide me with a mailing address. She ended up giving a XXXX XXXX XXXX Idaho that doesn't match the contact information listed on the website of the company she claims to be employed from. 

" XXXX '' appeared to be calling from her personal number, XXXX. After a brief search of my call history I found the first call from XXXX XXXX that came from XXXX. That number had made multiple attempts in XXXX to contact me. 

I am in the process of contacting the credit agency to put a hold on my credit and inform them of what I believe to be an attempt at phishing. 

I felt it was important to also file an official complaint so that this matter get investigated since I do believe it's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Applied Data Finance, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I instructed Fortiva to close the XXXX XXXX credit card. In early XXXX, we received an invoice from Fortiva for fraudulent charges on the credit card. Around XX/XX/XXXX, Fortiva resolved the disputed charges in my favor. HOWEVER, Fortiva did not remove the late fees and interest on those late fees from the fraudulent charges. Fortiva continues to send me monthly invoices for the fees and interest on the fraudulent charges. I sumbitted disputes to the credit reporting agencies and had Fortiva removed from my credit report. Regardless, every month I get an invoice requesting payment for fees and interest that change stem from the charges that Fortiva resolved in my favor. NOBODY there will remove the fees and interest from the fraudulent charges. I continue to get harassed every month. I am certain this will go to a debt collector and negatively impact my credit. They resolved the original charges as fraud but continue to try and collect the fees and interest from the fraud. This company is criminal. This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Capital Bank/XXXX  XXXX Company closed my account XX/XX/2021 without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I XXXXXXXX XXXX XXXX I was told by XXXX  Acceptance that I needed to make XXXX car payments in XXXX, and XXXX car payments in XXXX to bring the account current, and XXXX the vehicle from being repossessed. Which I did. On XX/XX/2023, I went online to make a payment of XXXX and the online system declined my payment. I sent an email to the representative I had communicated with in XXXX to let her know my payment wasnt being accepted. There was no response. I attempted again on XX/XX/XXXX, and the system again declined my payment. On XX/XX/XXXX, I telephoned and the representative stated she was unable to see an account for me. She transferred me to another department and they informed me that my account has been in repossession status since XXXX and that I needed to make a payment of {XXXX to keep my vehicle. I explained that I had made XXXX payments between XXXX and XXXX and could only afford XXXX months payment at the time and was told that was unacceptable. The representative then went on to belittle me and tell me it is not the companys responsibility to help me manage my account. I explained that I understood that and he continued, telling me to calm down and stop yelling and over talking him or he would end the call. I ended the call as it was a moot point to continue the conversation since I did not have XXXX to pay. 
This situation is causing me great stress. I am finally on my feet financially since losing my job before the pandemic and this sub prime lender is taking advantage. I can not refinance the vehicle as the balance is XXXX  and the blue book is XXXX If they would like the vehicle, I will turn it in. However, the condition would be that payments received to date would bring the balance to XXXX paid in XXXX and not attempt to collect the outstanding balance would be attempted. I also would like all reports regarding this vehicle removed as it is illegal to report me to any credit reporting agency or bureau since they are not a subsidiary of XXXX according to the XXXX XXXX XXXX XXXX. I would also like an itemized statement of my account to show payments and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I'm reaching out as there was {$37000.00} taken from my Account by PayPal after I was promised my funds back after the 180 day hold Firstly my Account was put on a rolling reserve due to an increase in claim backs due to the significant delays for shipping caused by COVID Following this my Account was suddenly closed and funds were put on a 180 day hold without any information as to why this was done To my surprise after looking into it, I found this was a common issue and something PayPal has been doing for a while without any explanation I sent several emails to PayPal to find out why this hold was put in place but never received a response I was patient and waited the 180 which just ended today and to my surprise when I re opened my Account and the {$37.00}, XXXX was removed from my Account by PayPal. There was not a single email sent to me infrom me this has happened, let alone why! 

I called PayPal as quick as I could to be told by Paypal staff that I breached the Policies because I was selling drugs and cigarettes and PayPal has taken the {$37000.00} as compensation. " I had no need to be informed as I breached their policies '' and there was no allowance for any clarification on my end There has never been a trade of any of these types of products and I made it very clear what I was selling through PayPal with several conversations with their staff and through the initial application process where I provided my webiste which displayed the products and explained the nature of the products They classified the products we sold which were 'XXXX XXXX XXXX ' with cigarettes and drugs and thought they could just take the money I had in the Account under their simple answer of " you breached our policies '' I want to do everything in my power to have my money returned as just taking all my money without any indication, reasoning or any form of communication at all is absolutely wrong I really hope you 's can help me with this Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX   's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank of America credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.

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 2023-10-21
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I never sign a promissory letter with this agency. Please delete this off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: NC
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 am trying to correct some information on my report and have sent two letters to this bureau : the first was XX/XX/XXXX and the second was XX/XX/XXXX. I have yet to receive any responses despite the 30-45 day legal time frame they have to investigate and respond. The two accounts that need correction are XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX - XXXX which are showing a payment history that I do not believe to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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