BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX : I spoke to XXXX XXXX Supervisor XXXX & XXXX ( CS REP ) at the credit bureau and they both advised that XXXX XXXX agreed to Delete the adverse collection for XXXX XXXX Acct # XXXX ) off my credit report. On XX/XX/XXXX ( I received an email from XXXX XXXX ) confirmation that the collection was an error. However, their letter did not state that they SOLD the bogus collection to Diversified Adjustments! Now, Im forced to dispute my credit bureaus account again, re-submit a claim to CPFB, and upload the same information showing I have no debt with XXXX. Losing over 100 points off my credit score! The credit bureau supervisor also advised that XXXX can keep selling this bogus debt to multiple collection agencies until XXXX. This is insane, unethical, and outrageous! I was on autopay with XXXX and over the years I had to endure multiple errors on my account. I have had to place cellphones on stolen alert due to staff leaving with my phones, but never had I ever had to deal with this type of combined unethical practices! Once again, Im crying out to the CPFB to make all parties aware of this dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My first name is misspelled on my credit report. An address I never lived at is listed on my report. I have tried multiple times to get Equifax to fix it and they claim it is fixed but the wrong past address is still there and they just sent me by USPS a letter addressed to the misspelled first name. 

I filed a complaint with the CFPB a few weeks ago and the company 's response had nothing to do with my complaint. 

Equifax CAN NOT BE TRUSTED with sensitive credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CITIBANK, N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed up for a Best Buy credit card with one of their promotional marketing tactics in XXXX, I never agreed to or enrolled in willingly into the debt protection. Later on, I started to notice charges on my bill that I did not authorize and I contacted the company. I called them on several occasions and was reassured it would be removed. Specifically, I called in XXXX, e-mailed them in XX/XX/XXXX, and other times prior to then. At one point during this time, my card was completely paid off and we decided to re-charge on it for another promotional marketing purchase but I severely regret this decision due to these additional fees and their terrible customer service. 

Now it's XXXX and after e-mails, multiple calls, and attempts they just claim to have canceled the debt protection after I asked multiple times and didn't agree to this in the first place. It has charged me thousands of dollars and I wasn't working part of the year which caused me to get behind on my bills. This has made it impossible for me to pay off or keep up on the balance when they were charging me an additional fee on each statement that I never agreed to. I asked for a refund of all of these fees as that's been part of the huge reason I can't get my bill under control and causing it to be behind and negatively impacting my credit score each month as it's impossible for me to get the past due amount manageable. This month I just got a letter about the cancellation which mentioned no refunds on past fees. Even though on the phone, I asked for a refund and they told me it would be submitted to be looked into for possible refund reimbursement.

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 2020-02-02
Company: HOVG, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency is called Bay Area Credit Service. They kept on calling me throughout the year of XXXX and XXXX, even after I set up a payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street  person. Now the creditors have sold the debt to blood XXXX  Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS PORTFOLIO RECOVERY ASSOCIATES, LLC. the owner is a XXXX XXXX coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to XXXX  I should rest 8 hours a day. But how can I, they are relentless, evil  bloodhounds never stopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street person. Now the creditors have sold the debt to blood sucking Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS XXXX XXXX XXXX, XXXX. the owner is a multi XXXX  coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to die I should rest 8 hours a day. But how can I, they are relentless, evil bloodhounds never stopping.

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 2020-06-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX, tried linking my debit card to the app XXXX  to save money on the change difference of when i use my card to save for the future but PNC is denying access to the app XXXX  even though I logged in and tried to grant permission to use. This is my money at stake here and I'd like to use it for how I want to save. Please allow access to the app XXXX  so I am able to link my debit card to use to round up and save my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft.

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 2017-09-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax said my information was breached in their security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal stole my money and closed my account so that I couldn't log into my account, which contained more than {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$6700.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: URS Holding, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Alltran Education is trying to collect debts on behalf of department of education each time I would ask to verify the debt they wont verify the debt owed and the debt is unverifiable but still won't remove the debt from my name. 
Theyre abusing the power for been department of education and the power of issuing debts to private lenders and for-profit schools without any validation but yet choose to use me to pay a false debt that shouldnt been ever created. 
Loan were originated by a for profit school without my authorization, application was received electronically without my own personal signature which leave rooms for errors and fraud and misleading information and department of education issue a debt won't the school. 
When filed a complaint to further proof the debt and their method of investigation they refuse to provide names of people they have been in contact with from XXXX XXXX XXXX XXXX during the process of their investigation. 
The investigation and the verification request has never been received, insufficient or not valid if I didnt physically sing to receive the debt the original loan application isnt valid. 
XXXX XXXX XXXX XXXX is closed and department of education still holding me accountable for a debt because they can't validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company name is XXXX XXXX, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I logged into my direct express account to see that several 6 unauthorized transactions were made totaling XXXX dollars from Supplemental Social Security benefits for my minor. Direct Express took an hour and a half to get in touch where I was not given any guidance on how to resolve this issue and when I could expect any help in getting my money back. These are federal funds issued to those in need. It is absolutely ridiculous that phishing scams are allowed to happen with cards issued by the government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for and received an education loan from XXXX Bank in the amount of {$18000.00} on XX/XX/XXXX. When I received the loan I paid {$1600.00} for an " XXXX XXXX ''. The terms were {$300.00} per month for 240 months beginning in XXXX, XXXX, when I would finish school. Due to a hardship, I was unable to complete my education then and found that my loan was transferred to American Education Services, that managed the loan instrument of XXXX XXXX ( see statement attached ). Once the loan was transferred a new balance of {$22000.00} was assessed. In summary, I have been paying on the loan for 13 years at {$170.00} per month. That equates to about {$27000.00} paid to the company and I still have a balance of {$12000.00}. I was young and naive and desperate to get funding for college. I was gullible enough to be victimized by a company that took full advantage of me and still is. 

Currently I have a wife and XXXX toddlers. I am struggling to make ends meet during these challenging times so I decided, today, XX/XX/XXXX, to call the company with hopes of negotiating a payoff that is reasonable and fair, considering the amount I have exorbitantly paid through the years. I spoke with a young lady who was a representative and told her what I wanted to do in terms of renegotiating the loan for a lump sum payoff. She told me her computer froze and she needed to transfer me to someone else. She transferred me to a loan officer, much older, named XXXX. When I presented my case to him, he told me I had no choice but to adhere to the terms since the private lender requires that. XXXX prefaced that he was only the loan officer and had no control over the terms. I told him to put me in touch with somebody that could consider my request. XXXX talked around it and repeated that the private loan company will stick to the terms. I asked him who is the private loan company. He replied that it was " Southern '' and that he could not pull it up on his screen and had to go to another window. I said fine. XXXX then said you aren't the only one who has asked me that question. He put me on hold and after 10 minutes did not come back on the line. I know it does not take that long to provide me with information about a loan company that he does business with on a daily basis. 

I would appreciate your intervention and helping me to either negotiate the terms I offered or connect me with legal counsel that are experienced in this matter. 

Thank you. 

The name and contact info of the company : American Education Services XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
There are unauthorized inquires listed. They are below as follows : AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Advanced Financial Company
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have an annual timeshare maintenance fee of {$1700.00} due every XX/XX/XXXX. We also have all our taxes due at the same time and the holidays in XX/XX/XXXX. One XX/XX/XXXX, I paid XXXX XXXX XXXX {$1300.00} towards the {$1700.00} in fee 's. On XX/XX/XXXX, they added the following charges to our account : XX/XX/XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX RF  Reinstatement Fee {$50.00} XX/XX/XXXX CF Collection Fee {$180.00} On XX/XX/XXXX, when I paid the balance of {$410.00}, I noticed the {$330.00} in additional charges. The debt never became 30 days delinquent. Other than a late fee, are they legally able to charge fee 's other than a late fee if the account is less than 30 days delinquent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.

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 monetary relief
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: TX
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:
On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX XXXX ( sp? ) that I had not caused. I contacted XXXX and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX Equifax data breach.

Company response to consumer: Closed with explanation