BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off a car loan on XX/XX/2020, and there wasnt a notification of additional charges of that account. Currently doing a dispute to my credit record for that amount, the bank states 3 years later that there was an outstanding amount of XXXX, and the account status was changed to charged off. The bank institution does not submit in the last 3 years any invoice or letter requesting payment for any outstanding amount. 

That is a ilegal charge and Im not gon na pay any additional account without any evidence of the institution regarding any attempt to collect that new amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had someone call scam me representing my bank for 2 debit card transactions on XX/XX/2023. The caller ID even said my bank name. I immediately upon hanging up with this man called my bank and told them what happened in detail they submitted my claims. Which are now as of today closed and they have said that they were authorized transactions. They infact were not authorized by me but by someone that called me representing my bank. They were for International airline tickets in the amounts of {$310.00} and {$620.00}. I tried to dispute the closed claim and was shut down I tried to speak to the airline and they said that no one else could possibly use my cards with out authorization. Please help me to fix this. How is someone soppose to protect themselves if someone can get into the bank system and call from their number and send you an authorization code to speak with them from the bank. I have had my card info stolen before and the bank has been able to see that those transactions were clearly not me but this time they said that there was no information where these transactions originated from.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CountryPlace Acceptance Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my mortgage and was told my family and I needed to vacate the home immediately two years ago. The home went to sheriff 's sale in XX/XX/2019 and the bank ( Country Place Mortgage ) purchased the home back. 

In XX/XX/2019, I was sent an application to apply for mortgage assistance by XXXX XXXX with CPM. I returned the application and required backup documentation the beginning of XXXX ( it was emailed to XXXX XXXX, via a HUD housing counselor with XXXX XXXX XXXX XXXX ). 

Multiple attempts to verify that the application was received have been ignored. Our housing counselor has attempted multiple times to receive a return phone call from XXXX XXXX or someone by the first name of XXXX and has never received a phone call back. 

We have not received acknowledgment that our application was received and we can not get anyone to return our phone calls. 

Yesterday, when my wife called to check on the status of the application, she was told by a customer service rep that assistance was denied. We have not been informed of this by mail or by phone call. The rep told my wife that CPM is not obligated to inform us if assistance was denied or not. Yet, the letter we have dated on XX/XX/2019 stated that we should received a confirmation letter that our application was received. We can't even get a phone call to tell us that the application was received. The customer service rep also asked my wife if we had a packet to apply for assistance. This is the very packet that we have submitted already and can not get any information on. 

The runaround is not professional and we need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
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:
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. 
has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Im having an extremely tough time reaching someone in the claims department. Ive called every single day for the past 10 days to no avail including today. Each time Ive stayed on hold at lease an hour and no one ever comes to the line. Finally today I thought someone was coming to the line after holding and hour and 10 minutes but instead it was a message saying sorry we cant take your call. Ive asked for a supervisor several times and is just told they will put me in the que for a call back. This never happens. I purchased a projector and screen from a XXXX ad I saw. As soon as I clicked purchase and was charged {$170.00} I received a confirmation email from a totally different company from the one I ordered from. When I saw the email I immediately started searching for that company and found no info. I emailed them back 4 times asking for a refund and Im not getting any response. They dont hve any phone number listed. They sent me a tracking number around 10 days ago and to this day it says that number is not valid. I just want my money back. Since I cant get through to that company Ive been trying to dispute with Bank of America prepaid card from XXXX. I cant get them to answer. Every representative including today someone name XXXX said there is nothing I can do but talk to claims. Its insane that I cant even get someone on the phone in almost two weeks. We are going through a pandemic and many of us count every penny and I have been scammed out of my money and cant even get a bank rep on the phone. I thought this money was federally insured. Im distraught at this point and dont know what to do.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting an account with XXXX XXXX  as a charge off with a balance showing. This information is not factual, how can an account be charged off with a balance? Once an account has been charged off, it must be reported with a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EOS Holdings, Inc.
State: UT
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:
EOS CCA is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXXI have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 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 2018-03-27
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted this company Midwest Recovery System in regards to a collection account advised them that this was not my account they sent me an invoice that doesnt show validation of this debt belonging to me. i have asked to have this removed from my credit report as it is showing negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-05-16
Company: CITIBANK, N.A.
State: NY
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:
Purchased a laptop from Best Buy, the delivery driver returned the laptop to the store due to not being able to make the delivery. I never received the laptop! Purchase price was for {$2300.00}, called and talked to account specialist several times. XXXX ( XXXX ) XXXX, Best Buy Order # XXXX, Dispute Case ID # XXXX, Dispute Reference ID : XXXX. This was two months ago, I have since closed this credit card account with Citi Bank and I am still waiting for the refund to the closed credit card account.

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 2018-03-11
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I went to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX, using my VA Medical ID Card, to obtained treatment for XXXX XXXX XXXX. XXXX accepts VA Health Patients with ID, and sub contracts their ER services to outside providers. THE ER uses the VA Benefits ID I give them to bill the service back to the VA, which in this case, the bill goes to the VA 's XXXX, Fl., offices. 

XXXX XXXX XXXX XXXX billed me {$600.00} for the ER visit, which I paid them off in monthly installments until it was paid in full. But suddenly I got a bill for {$580.00} from XXXX XXXX XXXX XXXX XXXX XXXX that had a XXXX, Fl., XXXX XXXX  as an address. 

I wrote to them asking what the charge was for and got a vague response of " ER doctor visit. '' Well this doctor spent as much as 10 minutes with me before writing a prescription. neither I nor the VA deemed that worth {$580.00}, and the VA settled the bill at {$42.00} in XX/XX/XXXX. 

THE VA also warned XXXX that they could not seek any further payment from me as a Veteran who used the ER services at XXXX under an agreement with the hospital to provide services to VETS who lived more than 40 miles from the nearest VA hospital facility. The nearest facility is XXXX XXXX, Fl -- 75 miles south of XXXX, Ga. 

XXXX, however, has thrown this bill into collections and it is showing on my credit report TWICE under different collections agencies. 

BY Law XXXX can not seek payment from a Veteran once they accepted payment from the VA to settle the bill. 

They MUST remove the items from my credit report and desist from further harassment from me for a bill which they can not legally collect. 

Because of their harassment, I have ceased using XXXX for ER services and when I get sick now, I have to drive sick down XXXX to XXXX XXXX to be treated. This is dangerous, but with this kind of greed locked into the civilian system, I have no alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have no credit i just turned XXXX. But the system says i may have started an application for a credit card and i didnt for walmart capital one. She said they approved it and with the qrong birthday my birthday is XXXX that said XXXX and it was approved i want it closed. Nothing was used on it but its flagging me now while im tring to start making my credit good i cant now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: DLC, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dollar loan center keeps harassing me at work, every day for last month. Telling my employer their name and how I owe money to them. Called my personal phone every day. I talked to them and told them I have health issues and waiting for 2 surgeries, cant make payments right now. Still calling every day. Called me yesterday on XX/XX/XXXX when I was off and told my coworker to tell me Dollar loan called and I need to pay my loan. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am showing a 30 day late on my credit report in XX/XX/2018. I have never been late on this account, my account has always been set up on auto pay, if it was late it was not my error and I have always paid this account. Please remove my 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am still attempting too remove accurate information from Financial Credit Network from my credit report. I have talked too and attempted to get payment for these charges through my insurance company but this company will not work with us. I have disputed this charge on multiple occasions. I have email 's with me asking for proof that this account belongs to me, proof of XXXX, the original documentation from the hospital with my signature or any other ORIGINAL documentation. They have received correspondence from my insurance company attempting to get the necessary information for payment with no attempts on this company 's behalf too solve this issue. Can this be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, Transunion and XXXX credit report : Account name : XXXX. Transunion Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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