BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
*due to fraud on my credit card account in XXXX, a new credit card was issued *once I reported the fraud, online access to the account was shut down with no way to retrieve prior electronic statements ; only transactions on the new credit card are available online *through truist.com customer service IM chat on XX/XX/XXXX, I requested the entire year 's ( XXXX ) statements be sent to me for tax purposes *the customer service rep confirmed the statements would be sent *to date ( XXXX ), no statements have been received ( hard copy or electronic copy through truist.com ) *Truist has no way to allow credit card customers to access prior statements once fraud is reported and the associated card is shut down *and apparently even a direct request does not result in obtaining those statements *the CFPB should inquire as to why no statements are available to customers once fraud is reported as well as why there is no warning before access is turned off

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 2022-04-10
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Paypal account is suddenly permanently limited without any valid reason and I am unable to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. I understand how important it is to review the accounts timely to keep PayPal a safe environment for both buyers and sellers. However, I have been using the account for some time now and always work in good faith and follow all the policies and user agreements as stated and agreed upon while I signed up for the account. Even the account health is in good condition. I would request PayPal to please look into the complaint and forward my complaint to the relevant department or team who could help me solve the limitation on my account. Please help me reinstate my account back. The email id associated with my PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX XXXX XXXX XXXX XXXX  XXXX, went to the hospital, gave all of my health insurance info to several employees, I'm insured with Veterans Administration. I received a letter in some time later ( not sure of date maybe in XXXX  sometime ) saying bill had not been paid, I ignored it thinking VA just is slow in processing payment. I received a collections letter from Collection Services of Athens in XXXX, phoned Collection Co. XXXX and spoke with XXXX, advising I have VA insurance and gave that to everyone at time of service. I advised my last name has a " XXXX '' listed and due to them not correctly submitting form that may be why VA hasn't paid. They resubmitted, VA denied payment because over 6 months had passed and VA, in denial letter, advised " patient is not responsible ''. Collection company continue to call me, I advised I have insurance that covers this, had they filed properly and timely this would have been paid. All of the other providers were paid and they would have been too IF they filed properly. They didn't and now they want me to pay something that I never would have owed had they filed proper paperwork. They have also put this on my credit which negatively impacts me for their mistake.

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 2023-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never given permission to furnish the information to Portfolio Recovery Associate. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TD BANK US HOLDING 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:
Account Name TDRCS/XXXX Account Number XXXX TDRCS/XXXX   Reported me 30 days late on XX/XX/XXXX and I was never late and I paid my account in full and satisfactory. I faxed letters to TDRCSXXXXXXXX  and XXXX  to be corrected and it still shows on my credit report. 

I submitted dispute to XXXX as NEVER LATE, ACCOUNT WAS PAID AS AGREED. Sent documents and they never fixed and just said it was investigated with no resolution. 

Date Opened XX/XX/XXXX Date closed : XX/XX/XXXX TDRCS/XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: AL
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:
I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This past week, XXXX medical collection accounts were placed on my credit report. The company listed on the report is Central Portfolio Cont, and the amounts are {$3900.00} and {$1300.00}. They say the original debt was to a XXXX XXXX XXXX- which is a medical facility in the XXXX area that I have no recollection of ever going to, and has been out of business since XXXX. I tried to see who purchased the hospital after it closed, and apparently that company has filed bankruptcy and I am unable to get any proof of service, detailed medical bill or proof that anything was charged to my insurance because of it. This debt is wrong - I have never been to a hospital by this name, or at this location and I have never been made aware of this debt previously, and can not contact anyone to actually prove this debt is valid. I don't even know what dates they are claiming that I had service there because it says on the date of account opened XX/XX/XXXX which is years after the hospital was closed. In addition, being a medical debt, this should be removed as a XXXX violation on my credit report. I have already filed a dispute with experian where I found this on my report and am reaching out to my legal aid team to see what further can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit 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 have a Venmo credit card open with Synchrony Bank for over a year. The first time I attempted to use the card was XX/XX/. I discovered that the card had not been activated and had to order a new one. I spoke to representatives from Synchrony Bank several times in the course of this process. I received the new card on XX/XX/XXXX with a credit line of {$3300.00}. I booked a nonrefundable flight and used the card to make a hotel reservation. The credit card company cut my credit limit more than XXXX XXXX  on XX/XX/XXXX, to {$250.00}. Now my card does not have enough on it to cover the security deposit for the hotel and I have already booked my nonrefundable flight, a cost I would not have incurred if not for the promise of a {$3300.00} credit limit. I only discovered my credit limit had been decreased when I called because the card was not working.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened an account with Chase Bank in XX/XX/XXXX. Used their mobile app to deposit 3 checks on XX/XX/XXXX that were written to me, in the amounts of {$500.00}, {$600.00}, and {$320.00}. After waiting 3 days for the checks to be processed, Chase closed my account with the {$1400.00}, and refuses to send a check for the money due to " suspected fraud '' from their systems. When trying to resolve and clear the " suspected fraud '', there is no actual way to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: AL
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:
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. 

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 2023-03-07
Company: ONLINE Information Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Online Information Services contacted me regarding a debt owed to XXXX XXXX XXXX XXXX XXXX. This was for an account in Texas, a state that I have never lived in. In talking to XXXX it was revealed that my social security number was used. They have requested that I provide proof that I lived elsewhere from XX/XX/2022 to XX/XX/2022. XXXX has thus far been helpful in this matter, although it seems odd that a victim of identity fraud would need to provide personal information to an unknown company. Online Information Services attempted to get me to agree that the debt was mine. When I would not do that they initially told me that they would not give me any information until I did so. I was eventually able to get some information about the alleged debt from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently refinanced my parent plus direct loan with mohela sofi. The feds have dropped the rates temporarily to 0 % and required all servicers to comply. However mohela sofi is not honoring this for any private loans that were refinanced from a fed loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: HYUNDAI CAPITAL AMERICA
State: AR
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:
My car loan from Hyundai finance was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( Hyundai finance and XXXX credit bureau ) of the error on the report. Also Hyundai said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in

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 2023-11-12
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA/DEPT OF ED has 6 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputationMOHELA/DEPT OF ED The account is as follows : Acct XXXX 6 times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IN
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 not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Southern Auto Finance Co
State: FL
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:
I have a joint account with a family member who signed for me with SAFCO southern auto finance they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter in the mail from XXXX XXXX XXXX saying that I owe {$95.00} to XXXX XXXX XXXX with the account number XXXX which I have no knowledge of as I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/2020 I stopped into local Citibank to make a deposit into my busines checking account The manager advised her staff not to service my business checking account, does not allow me to make deposits!! Its clearly not about money and business here its all about XXXX time and cost Citigroup board of directors a loss of gains in revenue. I then went to another branch on XXXX XXXX XXXX NY, attempt to raise the account status and improve cash management features which are more beneficial for my law firm and the banking needs we have, we made a deposit for XXXX on XX/XX/2020. The actions of and deception of Citibank tellers bankers is beyond belief

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 2018-08-28
Company: AES/PHEAA
State: PA
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:
confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted fedloan documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to XXXX papers. EVERY TIME I call XXXX   they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many fedloans not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I  submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me americu verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to XXXX by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XXXX XXXX its always been there. This isnt true. XXXX has failed to give me how it was added in XX/XX/XXXX. I want proof americu initiated adding it recently. If they did not. It needs to be removed. Please XXXX dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XX/XX/XXXX and XX/XX/XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XX/XX/XXXX to XX/XX/XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory

Company response to consumer: Closed with explanation