BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NY
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:
Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " XXXX XXXX XXXXXXXX '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?

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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One advertised their Venture X credit card with a {$390.00} annual fee to users, including one important benefit of this credit card being : the ability to convert the accumulated reward points on the credit card account to loyalty points of Capital One 's transfer partners. However, this functionality has been broken for me personally. I am able to sign into my credit card account, however, Capital One 's website request an additional authentication via text message when I try to use this function. Their system then returns an error message stating " the phone number provided can not be verified '', thus preventing me from using this aspect of the reward program. 
My cell phone is setup on my venture X account as the primary phone number, and has been verified by Capital One 's system. My phone is also capable of receiving all text messages, including the 2-factor authentication code needed to sign into my capital one account. Only the " convert reward '' authentication fails. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
WAKEFIELD & ASSOCIATES has not mailed proof of dept. When called they are refererencig a dept XXXX XXXX XXXX for XXXX XXXX. They should have my address in TEXAS as it is current on Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have two charge off items on my Transunion account that is reporting monthly. The first account is a XXXX XXXX Credit Card and the second item is a XXXX XXXX XXXX card. According to the FCRA USCC CODE 15 this is a illegal practice. I place a call to Transunion and they refuse to remove the items. Dispute number # 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 2023-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Citibank XXXX XXXX XXXX Credit Card. They have been advertising a flex payment option on large purchases. Last month I made XXXX airline ticket purchases of $ XXXX. I enrolled in Flex pay plan for these amounts for XXXX  months with a 1.99 % APR. My plan was to pay these purchases via the monthly payment plan. But pay off any other purchases in full every month. 

I am enrolled in Autopay and I went ahead and selected an option that said " Adjusted New Balance + Flex Plan Monthly Payment - Additional information expanded This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' It clearly states that this option means that every month it will deduct my monthly flex payment plan plus any " non-flex portion of my statement balance ''. But this month, they deducted the entire amount including the the purchases on the flex payment plan. I had not budgeted for such a large amount to be deducted from my checking because I was thinking only the flex payment installment plus other balances would be deducted. 

I called Citibank and they said they can deduct the monthly payment and refund the rest of the amount. But I asked them why this happened? They forwarded my call to another department and they explained that the only way I can make sure that this wont happen again is to select the " minimum payment '' option. But I told them, I dont want to make only the minimum payment because I dont want to pay interest on the other purchases. Moreover, they have the option under the Autopay for " Adjusted New Balance + Flex Plan Monthly Payment ''. But they told me that this option does not work and only minimum payment will work. 

I believe this is unfair business practice. They are advertising the flex plan installment payment option, giving us an option to make a flex installment plan+other balances, but then that option doesn't work and instead forces us to make a minimum payment. 

Thank 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 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with XXXX and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with XXXX  XXXX  XXXX  and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX  XXXX  XXXX  that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX  XXXX  XXXX assured me he will take care of it and make sure XXXX  XXXX  XXXX  is reaching out to all 3  credit bureaus to remove the negative marks, till today XXXX  XXXX  XXXX  didn't reach out to the report companies to remove the lates.

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 2021-08-17
Company: FIRSTBANK PUERTO RICO
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I could use some help with closing this account which belonged to my father, XXXX XXXX. He passed away XX/XX/XXXX. I have provided all necessary documents to this bank and everytime I call I get told to email them again or to visit the local branch where the account was opened. I am not able to visit the local branch as it is located in XXXX XXXX, XXXX XXXX. I am in Rhode Island. 

I have all the necessary documents - Death Cert, Declaration of Heirs, and the Relelvo de Hacienda. I forwarded these documents to Firstbank using this email address : XXXX today, XX/XX/XXXX. 

Please help me in resolving this matter. I have been getting nothing but the run around from everyone I talk to at this bank and I'm worried that there may be some malfeasance of deceased account holder funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: American Mortgage Investment Partners Fund I Trust
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good evening. 



I am requesting your assistance or guidance. This is my situation : There were two mortgages on my home in XXXX, MD. : XXXX XXXX XXXX , XXXX and XXXX  XXXX XXXX. The funds from the foreclosure sale ( which took place in the fall of XXXX ) were not disbursed appropriately, everything went to the first mortgage lienholder in XXXX of XXXX. Prior to foreclosure, the appropriate paperwork was completed by myself and provided to XXXX ( who forwarded it to American Mortgage ) once I had advised them that I could no longer afford to pay the monthly mortgage. I was requested on numerous occasions by XXXX and XXXX XXXX  to complete Deed-In-Lieu-Of paperwork for both mortgages, and also provide proof of my loan and the balance due to XXXX  XXXX XXXX, which I did. 

My employer periodically pulls my credit report due to the fact that I have a government security clearance. I was advised by my employer that XXXX  XXXX XXXX is on my credit report as a charge-off in the amount of {$83000.00}. We can not have negative items on our credit report. I reached out to XXXX XXXX XXXX explaining to them my home was sold, and requesting clarification on the negative item on my credit report. They advised me that they in fact did not receive any money from the sale of the home. They advised me that the sale of the home should have not taken place without addressing the XXXX  XXXX XXXX lien, that this is a title issue and the short sale should have not closed without providing XXXX XXXX XXXX with funds to release the debt and lien, and the title company that handled the transaction would have insured the property is free of liens upon a successful closing. 

The first mortgage was sold to XXXX XXXX XXXX on XX/XX/XXXX. This week I reached out to American Mortgage Investment Partners XXXX XXXX. in reference to the sale of the home and why none of the monies were paid to XXXX  XXXX XXXX. In XXXX, American Mortgage told me that they were the note/mortgage holders and that XXXX XXXX XXXX was the servicer on my loan, and that XXXX had always serviced my loan since American Mortgage took ownership. During the week of XX/XX/XXXX, I sent an e-mail to American Mortgage, and I was advised the following by Mr. XXXX : " The property was sold third party via foreclosure sale, which the junior lien is not satisfied, the foreclosure simply wipes all liens off title. If the property went through a traditional closing, and the junior lien was paid off, then a satisfaction would have been issued. '' Is the statement about disbursing funds in fact true, and that XXXX XXXX XXXX shouldn't have been paid anything? Is it true that a house can be sold in a foreclosure proceeding without a clear title, without in fact releasing the lien and debt. Does this actually mean that I am stuck with a debt of {$83000.00}? 

Thanks in advance for your assistance and any guidance you can provide to me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Equifax Credit Bureau is required by law to remove & block any account that is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : ( Original Creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2021-08-17
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX PayPal has put a hold on my account with a positive balance of {$280.00} USD. 

A XXXX  of mine XXXX accidently sent me a double payment of {$380.00}. The first payment from XXXX made on XX/XX/XXXX was put on hold after I was cleared of the new seller status and Paypal advised that no other payments would go on hold. However this payment was put on hold so Paypal advised that I tell XXXX to do click " confirm delivery '' in the activity section of the payment. 

I tried to explain this to XXXX twice but again there's a language barrier. I sent XXXX a paypal link on how to complete the steps and she some how manage to send the payment again. Paypal then puts that payment on hold and then puts my ENTIRE account on hold. 

I called customer service to have the hold lifted since it was an accident, could provide proof and refunded the customer. The rep then tells me to upload my ID, I told her " no '' and that I shouldn't have to jump through hoops for something that was an accident on the buyer 's part. 

The rep puts me on hold and then comes back saying there's another account of mine ( it's not ) that owes money and until I resolve that, they will not release my {$280.00}. I spoke to another rep and she said the account hold was BECAUSE I owed money. It was then verified that the " account step to resolution '' wasn't added to me account until TWO HOURS afterwards. Which the second rep said is " weird '' and if my account was locked because I owed money, that would be there first. 

The first rep also argued stating that I had to upload my ID because my account was " new ''. My account is no longer new and was reviewed per Paypal 's policy at 90 days and I was removed from the new account status. 

I just want my money released back to me, I have nothing to do with that other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Additional charges were added to my loan via XXXX XXXX XXXX XX/XX/2023 their financial team that did not align what was agreed with the salesman and myself who was also unaware of this until i went back to try to sell it back to them XX/XX/2023. First they did the car switch in which I had to bring back the original car I thought I purchased and in which they switched out and quicky put together the financial agreement. They have over charged on my last purchase in which I made them refund the difference, I notified Lexus corporate about this XX/XX/2023 since I feel they take advantage of retired XXXX veteran by adding ( sneaking ) in additional costs. At this point I will have to claim hardship and will have them take the auto back since I can not afford the monthly payment on a XXXX income. I honestly feel there are many others that have been victim to their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
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: Problem with personal statement of dispute

Complaint:
I have hard inquiries on my report with transunion that were added on and are companies that pulled multiple times. 
they were taken off but placed back on without my 5 day notice according to section 611 of Fair Credit Reporting Act XXXX PA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/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 explanation
Consumer complaint received 2023-12-21
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This debt collector has called me up to XXXX times a day sometimes within XXXX minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.

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