BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!

On top of that you still expect me to pay you.

I need this account closed as paid. 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 explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers

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 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
There are several accounts reporting on my account that inaccurate, these accounts were not open by me or any authorized representative of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal is arbitrarily and capriciously deciding to hold our law firm client retainer fees up to 21 days or more for no reason other than to harass, make money off of us, while we dont get paid and the clients dont get their contracted for legal representation. This greed makes life much harder in a tough inflationary economy for us and our clients. Please investigate and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for and was granted an American Express Green Credit Card with no pre-set limits in XX/XX/XXXX for my business XXXX XXXX XXXX XXXX XXXX XXXX. 
Two cards were ordered, one for me and one for the Vice President / Operations Manager to conduct the daily business of the company. XXXX and XXXX are slow months in our business and we used the card frequently, we prepare tax returns, accounting, and other financial services to the General public and our XXXX revenue was over $ XXXX. The Cards were approved, despite there being XXXX in purchases between XX/XX/XXXX and XX/XX/XXXX. The stated amount to pay was paid on time for the total amounts charged in XXXX XXXX {$1000.00}, and XX/XX/XXXX ( {$3300.00} ). 
American Express reached out to me about my high balance and they were assured that these purchases were authorized, payments were on time and we had no pre-set spending limit. I was told that my card was being suspended until they did a financial review of my income. I found that strange because the cards were for my business not for personal reasons, these actions should have been taken prior to authorizing the credit in the first. I found out about the suspension of our cards when attempting to make a {$120.00} payment for a license I needed and I was embarrassed to find out that my charge was denied without warning. Did I mention that my cards had no pre-set spending limits? My personal income is low because I don't take a salary from my company due to XXXX. However, I have good credit and they approved me instantly upon applying. I have had to make two on-time payments since opening the account and despite making these on-time payments my account was closed on XX/XX/XXXX by American Express. They requested income information and I provided them with my business income and permission to collect it from the IRS on form XXXX. 
I feel violated, discriminated against, quite embarrassed and damage to my companies ability to conduct its business. Is this legal? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 via certified mail. It is now XX/XX/2018 and I have yet to receive back sufficient validation of that was requested to verify this alleged debt. The FCRA gives the company 30 days to respond and after this time had passed, the company sent directly to my address a copy of billing statement. According to FDCPA, this is NOT sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I opened BMO Harris account with a promotion of {$500.00} cash back bonus. Condition was that within 90 days of account opening I should have {$7500.00} in direct deposit. Which I met. 
On XXXX XX/XX/, I asked this question to BMO Harris via secured message Center that when I am going to get {$500.00} cash back bonus? Only got a response when i filed CFPB complaint that i will be getting it later. 

Today when I logged into my account, I am seeing there is a {$1.00} fees for no good reasons. 
When i asked? 
Why there is a {$1.00} feed on my account? 

No response

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 2023-01-05
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a purchase back in XXXX of 2022 with the agreement to make payments until I paid off the purchases thru affirm. When it came time for my first payment it was all in my husband 's info so I had no way to make the payments. I reached out to affirm and we together decided it must have been fraud. When I realized what was happening ( my old XXXX account that I was using was attached to my ex husband account, with only his phone number and his email ) I called them back and told them what had happened and paid my bill in full. They took my payment on the phone and said I was good to go and now fully paid up. That's why I don't understand why it is still saying in my credit file that I owe them XXXX I owe them nothing because I paid in full in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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 accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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 status incorrect

Complaint:
This new information pertaining to the dispute number ( XXXX ) The information reporting on my credit report is inaccurate the account should show paid in full and XXXX balance. 

This account is showing past due and charged off this is inaccurate information. 

THE IRS says that a charge off is canceled debt! The form 1099c is for CANCELLED DEBT, till this day I have not received any such documentation from this company about the debt that was canceled. The company is also supposed to receive a TAX WRITE OFF and also have a INSURANCE built into THE FINANCE CHARGE to cover losses.

15 U.S. Code 1605 - Determination of finance charge 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

Through TILA it states that the lender has the FINANCE CHARGE that protects the lender in the Fact that the obligation DEFAULTS. Which means that they have collected on the INSURANCE MONEY already.

Now they put it on my CONSUMER REPORT that this is a charge off. Well according to the IRS any amount over 600 dollars, where a creditor cancels a debt or file a form 1099c. They must send the OBLIGOR/CONSUMER a form 1099c. I did not receive my 1099c for this cancelled DEBT! A cancelled debt means exactly what it says a CANCELLED DEBT! So how did you COERCE me into paying the balance? You have deceived me, you have frauded me, you have robbed me.

On top of that you collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! You are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD!

On top of that you still expect me to pay you.

I need this account closed as paid. 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 explanation
Consumer complaint received 2023-12-16
Company: Nelnet, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, XXXX, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the student 's parents. My student loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my student loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a student 's education records. I request transparency in this matter and would like to be provided with information regarding who accessed my student loan information and the legitimate interest each entity had in obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I initiated an electronic payment for {$1000.00} through my checking account at XXXX XXXX for payment on my Citi XXXX XXXX XXXX XXXX - the total balance on the Citi credit card was {$3000.00}. I then used a balance transfer check for {$2000.00} from my XXXX XXXX XXXX account, ( check # XXXX ) to pay the remaining balance on the Citi XXXX XXXX. This was mailed via usps priority mail with a payment coupon from the Citi credit card on XX/XX/23. The tracking # from the usps priority mail is XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday XX/XX/2023 I checked the status of the usps tracking and it showed the letter was delivered to Citi 's XXXX AZ address on Thursday XX/XX/2023 but when checking the Citi account on line they have only credited the electronic payment of {$1000.00} from XXXX XXXX and not the {$2000.00} check. This presents a problem because the Citi XXXX XXXX account is on a 0 % interest deal which ends XX/XX/2023. These pieces of filth from Citi are withholding this payment so as to show I have a balance of {$2000.00} and subjecting me to interest. They have pulled similar fraudulent acts on me with a mortgage account I had with them a few years ago - they are nothing but filthy liars and theives.

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 2023-05-07
Company: Continental Finance Company, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX XXXX XXXX about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.

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 2018-08-29
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The name of the collection company is Hunter Warfield , Inc . They are extremely unprofessional when I've spoken to them over the phone and when I wrote to them directly, I never got responses to my letters. I have attached copies to this complaint of the letters I sent them and also a copy of the account as it was on XXXX ( it was on all 3, but I am just providing a copy of XXXX simply as proof of what was reported and the dates ). They just stuck this debt on my credit reports and refused to investigate. I never even heard of them until they started calling profusely in XX/XX/XXXX. I began disputing in XX/XX/XXXX the unverified, invalidated debt of original amount {$5600.00} and balance of {$6000.00}. While I sent them debt validation letters directly, I also disputed this debt via the 3 major credit bureaus. What Hunter Warfield did was deleted the account and bolted or simply stopped reporting and never said a word ; in other words, they refused to respond, they stopped reporting the account, and to this day ( late XX/XX/XXXX ) I have not heard one word from them. I can only assume that the account was deleted or that they're simply not reporting ; which, I do not know because they refused to say anything. The credit reporting agencies never reported the account as deleted. Therefore, it is very possible that this unverified, invalidated debt could be placed right back on my reports because of this -- and I believe that it is their underhanded, sneaky way of being able to do so! I am outraged that a company could get away with doing such a thing. They did not do their due diligence, the credit bureaus did not do their due diligence either, and I was not given due process as they violated the FCRA and FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments are always made before the due date. Payments are made on theXXXX due date is the XXXX. A late fee of approx {$41.00} is attached to the account every month. As well as they added interests was added onto the account without notification. This has happened more than once on my account. I know other people that this is happening to as well on a monthly basis. Also when I applied it was supposed to be a fixed loan and found out after signing that it is a variable loan. The payment has always been on time and they upped the payment without notice or giving an explanation as to why they did. Any contact is always an arguments.

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 2023-01-05
Company: Winklevoss Exchange LLC
State: NC
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:
On XX/XX/XXXX I purchased airline tickets for 4 passengers from a travel agency XXXX to travel from XXXX, XXXX to XXXX, NC using a credit card from Gemini.com. The charges appeared on my statement as following : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ticket out four was never confirmed. I had to make alternative plans and purchase additional tickets. I disputed the above charges with Gemini because I didn't receive the goods/services I ordered. 

Gemini gave me a temporary credit on my XX/XX/XXXX statement. In XX/XX/XXXX Gemini responded, saying they reviewed the transaction and resolved in the merchant 's favor. The charges I disputed earlier appeared on my XX/XX/XXXX statement as follows : XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$2900.00} XXXX XX/XX/XXXX XX/XX/XXXX PRINCIPAL DEBIT ADJUSTMENT {$580.00} I went ahead and paid these amounts but I also tried to appeal Gemini 's decision by providing additional evidence to support my claim against XXXX. 

XX/XX/XXXX I received several messages from Gemini stating the following : " XXXX XXXX, Your dispute case has been resolved in your favor and the temporary credit that was applied to your account has been made permanent. No further action is needed. 
Team Gemini '' At the same time, however, the following charge appeared on my XX/XX/XXXX statement : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} The same charge was applied to my account twice! 

I contacted Gemini multiple times and opened multiple support tickets. Each time I received the following response : " Hello XXXX, Thank you for reaching out to Gemini Credit Card Support. 

We finalized your request to reopen your claim on XXXX XXXX in favor of the merchant. We have submitted your appeal to the merchant however they rejected it. 

Upon review, the disputed transactions were added on your statement since for XXXX statement this was put on hold due to ongoing disputes you have submitted. 

If you have any further questions, please feel free to reply back. 

Onward and Upward, Gemini Credit Card Support Dispute Resolution '' It appears that Gemini doesn't seem to understand they are applying the same charge against my account twice, and I am not able to get through to them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation