BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2018-08-21
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:
On XX/XX/2018 it was noticed that there was incorrect and unauthorized information on my credit report.

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 2017-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re. Experian -- - Problem filing a dispute to an adverse entry on my credit report, and Problem obtaining a free credit report from Experian detailing an ADVERSE entry in my credit report -- -- My credit alerting service, PROTECTMYID ( protectmyid is an Experian company/service ) alerted me that an ADVERSE entry was added to my Experian credit report. I investigated the limited info available on the adverse report through my protectmyid.online account. Through the links it provided to Experian for filing a dispute online as well as directly through Experian.com, I tried to file a dispute online with Experian. However, EVEN AFTER EFFECTIVE LOGIN AS WELL AS COLLECTING ALL MY INFORMATION AND VERIFYING MY IDENTITY, EXPERIAN REJECTED MY REQUEST TO FILE A DISPUTE ONLINE. EXPERIAN ALSO REJECTED MY ONLINE REQUEST TO OBTAIN A CURRENT COPY OF MY CREDIT REPORT THAT DETAILS THE DISPUTED ENTRY. EXPERIAN FAILED TO PROVIDED ANY EXPLANATION WHY BOTH OF THESE REQUESTS WERE REJECTED. They simply advised that I needed to pursue both requests through their written process. 

In other words, Experian denied me appropriate access to my credit report as well as the ability to file a dispute online for an adverse entry in my credit report. Their written process is not only very inconvenient and time consuming, sending the info they requested through the mail is also more insecure than their online service. Again, I was able to login into my account with them as well as independently provided them with all info to verify my identity. Experian has failed to provide any explanation why they denied me appropriate service through their online systems.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file. 
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 non-monetary relief
Consumer complaint received 2019-10-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/19 - Used debit card through paypal to make payment to an individual who scammed me for tickets XX/XX/19 - used a different debit card through paypal for additional ticket to same individual. did not realize that the person paypal sent the money to was a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was notified by KeyBank that my debit card had been compromised so they would be sending me a new one via mail. My old card would be de-activated by XX/XX/XXXX. I never received a new card in the mail, and my old card was de activated, leaving me unable to use it. I called KeyBank and they apologized and told me they'd send me one right away. I can get it in 5-7 business days for free, or 3 - 4 business days for a {$25.00} fee if they rush it. I chose for them to rush it because I am without a form of payment. It is absurd to charge your own customers a {$25.00} fee for a mistake you or the USPS made. KeyBank = Fee Bank. The amount of fees this company charges is ludicrous and insulting to its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19
Company: Collection Bureau of America Ltd.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I retrieved a copy of my credit report and immediately noted that Collection Bureau of America had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to do so that would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, on XX/XX/2018, I communicated in writing ( see attached ), my dispute to this company. It is wholly against the law for a company to insert an entry on my credit report without giving me the opportunity dispute the allegation. 

Collection Bureau of America, responded to my dispute in their letter dated XX/XX/2018 ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. As such, being in receipt and providing the requested documentation was to no avail. Collection Bureau did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. 

Collection Bureau of America ( CBA ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to  cease collection efforts and reporting when they received the letter of dispute. 

This entry should be deleted from my credit report immediately and CBA should remunerate me for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Last XX/XX/2023, I conduct a fund transfer from my Paypal Account to my link debit card, the transaction was fine it goes straight to my account successfully but after almost 2 hours suddenly I received an email from PayPal stating that I violate their Policy and I can no longer use their service. Which I think at that moment they also conduct system generated reviews. This might be the reason their system detects my account because what happens is that on that day I transfer my fund twice already and in the third one they limit my account. And also don't I have active cases in my account. I think it's part of their security that's why it happens, but I don't know exactly if it is really the cause. 

That's why I need your help to settle this issue in my account if ever I really did something against their policy or just some system error. I want to know exactly what happen so that I can understand the situation. 

I have attached below the transactions and emails that might help to resolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: CA
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 contacted Equifax about this " XXXX  XXXX Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. Equifax & XXXX XXXX refused to remove the fraudulent account from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: TD BANK US HOLDING COMPANY
State: LA
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:
Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Performant Financial Corporation
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:
On XX/XX/2018 XXXX XXXX  PST I spoke with a representative with Performant who indicated she could waive some collections cost which based on the most recent statement I received is {$2800.00} for " collection cost ''. She additionally offered a final settlement for {$7900.00} but indicated she had to get approval on the amount of time she could make that available and would call back in a day or two. A week later when I didn't hear back I contacted them again and after explaining to 2 different representatives I was forwarded to a manager on XXXX at XXXX by the name of XXXX . She explained that the previous representative was not authorized to make that offer and that it had not been accepted by the creditor XXXX. And that the lowest they could accept would be something over {$10000.00}. I asked her to review the call and honor the deal and she agreed and said she would get back to me. I never received a return call from anyone since. This student loan comes from a fraudulent technical college that has since been shut down. I originally borrowed {$20000.00} and with payments made and tax offsets to date I have paid well over {$23000.00} and according to their records still somehow have a balance of {$14000.00}. On XX/XX/XXXX I faxed a letter not only asking for verification of the debt but also acceptance and acknowledgment that they made the settlement offer. What I received in response was XXXX pages of a contract that is completely illegible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 had automatic payments taken from my bank account in the same amount for approximately 2 years. Recently Bank of America changed my minimum monthly payment to more than what was being taken from my checking account. I was unaware of this change which resulted in penalties and fees and a bad credit report because my minimum payment was increased above what was being deducted from my checking account. When I called to resolve this problem I was on the phone for at least 30 minutes and was then told the only way I could change my payment amount was online. When I went online to change my payment amount I was denied access because my credit card account had been closed by Bank of America.

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 2018-07-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I signed a promissory note and security agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. My contractual payments were automatically withdrawn from my checking account. However it seems that my loan was transferred to Santander Consumer USA in XX/XX/XXXX. As far as I know the terms of my contract did not change, but automatic payments were unilaterally terminated without my notice ; which resulted in my car being repossessed by Santander Consumer USA on XX/XX/XXXX. 

I did not agree to have my payments terminated, nor did I ever agree to any terms with Santander. The reason I had automatic withdrawals set up was so I did not have to worry about my payments. At the same time it would not occur to me that payments were not being made. If the transfer to Santander had never happened I would not have defaulted on my loan and my car would not have been repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice through mail that a debt I supposedly owe from XX/XX/2015, almost three years ago, has now been turned into collection. Prior to this I have not been called or sent anything trying to collect a debt. The law firm is Mitchell D. Bluhm and Associates out of XXXX, Texas. I was not able to get a hold of anyone when I called. The letter sent to me asks for an online payment on a website with my name in it, or to send a payment to them at a different address than is listed as their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited {$45.00} cashin my account, Key banks ATM stole my money gave back my card and said sorry ATM isn't working this was XXXX on XX/XX/18 I contacted the bank and spoke to 2 people who refused to do anything. I asked for the video and was refused I asked for information on who services the ATM and again they refused to give me any information or assistance in anyway of retrieving they money they stole. I was going to do a police report but it was closed. Basically they steel money and it's legal? I can do nothing because they are a bank. They have 0 customer service and do not care anything about their members.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I filed a dispute on XX/XX/2022 with Capital One credit card for a company ( XXXX ) that sent the wrong sized items ( see original order receipt and photos of products in error ). After contacting XXXX several times ( see email responses attached and XX/XX/2022 letter to Capital One explaining the situation ) refused to refund the order back onto my Capital One credit card. Instead, XXXX sent me a store credit voucher on Wednesday, XX/XX/2022. Capital One investigated the dispute with the company and decided in favor with XXXX on XX/XX/2022. Capital One stated that XXXX fulfilled their order in which goods were as described and received in good condition. Capital One is requesting that I pay the {$64.00} on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MI
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:
From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX  (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from  Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.

Company response to consumer: Closed with explanation