BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-22
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Oliver Adjustment Co.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Is regarding account # XXXX, which you claim Such as I owe {$70.00}. they put negative marks on my credit reports. Without verification of my signature.

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 2017-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
1. Capital One has yet to pay me for unnecessary time spent on their issues with my accounts. Bill enclosed. 2. Capital One owes me {$24.00} in over payment on account ending in XXXX. 3. Capital One has not fixed their issues with my online account, not showing account ending in XXXX. 4. This is my last attempt at mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Paypal Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called PayPal on at least 7 occasions and spent hours on the phone trying to get get adequate proof of debt. I have been given only an amount of debt but no underlying transaction information. Please see the attached letter from collection agency and my response. As discussed in the letter, there were a series of fraudulent charges to my PayPal account. When I thought they were resolved by PayPal, I closed my account. There should be a series of transactions : fraudulent charges, credits by PayPal .... I need to see these itemized, so that I know if there is indeed a legitimate debt to PayPal. PayPal says that because my account is closed, no one at PayPal can give me that information.

I want to resolve this before it impacts my credit.

Thank you for your assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: ALLY FINANCIAL INC.
State: AL
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:
incorrect information reported XXXX XXXX 2017 by XXXX  and 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 2020-04-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
as of XX/XX/2020, My public record " Bankruptcy '' is over with.Should not be on my record at all

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 2019-02-05
Company: First Financial Resources, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied XXXX in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to  reinsert from this point forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a Capital One account for less than full balance and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX has continued to illegally compel me to make payments on the account number XXXX that was included in my XX/XX/2009 XXXX XXXX Bankruptcy discharge/disposition. It is illegal for a creditor to knowingly induce a former debtor to pay a debt that has been discharged and continue to house the account with the credit bureaus, impacting my ability to attain any measurable financing for my upward mobility in the interests of my family. 

XXXX must cease and desist from further request for me to pay the debt and must remove it from my credit record and contact all the Credit Bureaus and request its removal from my credit profile with deliberate speed. 

Sincerely! 

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 2019-02-05
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TCF bank has used an unending practice of hitting my checking account with multiple fees. It has been going on for months. Last fall, I went to the bank and asked for assistance with my account and how to solve the problem with all of the OD fees.

OD protection was not an option they would entertain. A personal loan for a bridge was not approved or even encouraged. Instead, the representative pushed me to apply for a credit card. I didn't do the application. It seemed odd that he kept pushing for a credit card and didn't jump on the opportunity to really assist a customer with budgeting and/or problem solving. 

Over the past several months, nearly all of each paycheck has been eaten up with, fees. Leaving very little for basic necessities and bills. It has pushed my issues with XXXX, XXXX and XXXX to be a debilitating aspect of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: PNC Bank N.A.
State: NY
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 has been non-compliant with removing the unverified account PNC BANK, NA Opened Date XX/XX/2013 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that PNC BANK, NA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, 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 2020-05-02
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was covered by insurance so I should not have a balance with this office. This account remains on my reports and I want it removed. 

Amount {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CITIBANK, N.A.
State: MO
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 meet a white male on the XXXX  app who said he paid Citi card off, I provide him my password and username. I let a person into my Citi to help to pay credit card XX/XX/2019. This person in turn want to 10 gifts worth {$1000.00}. I owe {$990.00} which he paid off by his credit card. I was told by XXXX it was scam when I try pay for ten gifts with {$200.00} dollars with cards. They ten gifts card are steam. This person add his bank acount on my Citi credit card which I delete his account off my card as soon as I found it was a fruad or scame I report it to Citi bank, change my password, cancel the old card and replace it with a new one. The Citi put the {$990.00} back to my bank and charges back on my credit card. I know owe this person {$990.00}, because Citi Credit card will not refund him back.. I am getting text s from him and what he claims to be his borther. This person claims his borther works for the FBI. The borther got hold of my phone number without a warrant, so he has my address and phone number. The guys name who paid the credit claims to be XXXX XXXX. They have provide me this information Account number : XXXX Routing number : XXXX Name : XXXX XXXX XXXX : XXXX XXXX All I want was to give the money back to him. They threating me to press Criminal charges on me. All Citi has to do is refund the money back tohim. I receiving text from these numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX. I try to send it via XXXX, but my told me not wire money this individual. I call XXXX to cancel this transaction. Also, I got a money at XXXX on XX/XX/2019, so I can mail some money back him. I was trying payment arrangements with him and his borther. I still have money order will put the money to my account. The bank resend the back to my credit on XX/XX/2019.

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 2019-02-05
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX  with XXXX XXXX XXXX XXXX pulled my equifax credit report without my consent. I contacted the XXXX XXXX  and they said that they have made the appropriate updates and have notified the Equifax of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
on XX/XX/2019 chase did an unauthorized debit in the amount of {$3400.00} from my college tuition account at the time my account number was XXXX i have since change my account number, i have sent a notarized letter to the complaint dept of chase and i have visited the branched and spoke to a branch manager and was told that i would get a response as to how and why did they take it upon themselves to just take money out of my account. 
At no time did i ever authorized them to debt my account. 
I'm requesting the charge be refunded to my account immediately it has been over 2 months of me calling trying to rectify this and they are just ignoring me. my next step is to take this situation to litigation if they will not return my money to me so i can pay my college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeadedly asked Portfolio Recoveries to stop calling me on my cell phone number and to stop contacting me by phone altogether. I've requested it over the phone and I've also requested it in writing numerous times. This is a blatant violation of the TCPA and this company isn't held accountable for breaking the law. They have called me over 40 times since I requested they stop calling and it's from an automated system. 

I've also disputed and requested validation on the debt they claim I owe, they have failed to show proof and comply with the FDCPA. 

Written Requests to Stop Calling : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calls have not stopped and they call from different numbers to try and trick you and tie up my work phone so I'm not able to work ... 

Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + about 20 different numbers. All listed as Portfolio Recovery Associates I'm also on the Federal Do Not Call List!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Problem is with Bank of America Rewards Visa Palatinium Plus. 

I had 2 balance transfers on it. One that started on XX/XX/XXXX and expiring XX/XX/XXXX at 1,99 % and the other one that was due to expire on XX/XX/XXXXwas 0 % APR. I called in at the end of XXXX, spoke to representative and asked what amount I needed to pay to cover in full the expiring promotional rate. The lady said it was a little over {$1900.00}. My monthly payment of ( minimum balance plus some extra pay ) was already deducted and I paid additional {$2000.00} to cover the expiring promotion on XX/XX/XXXX. Despite doing so- Bank of America started charging me {$30.00} a month in interest fees claiming that the amount that the amount I paid went towards the other balance. I talked to the representative who did n't really know what he was talking about and asked to speak to the supervisor. Representative came back on line- instead of supervisor. They offered to credit one amount of {$30.00} ( at that point they already charged me twice ) and said I need to pay {$2000.00} to cover that promotion again! I asked to speak to the supervisor who -did confirm that the amount was applied to the wrong balance and forwarded my case to resolution center. They did call me back today. Stated that they ca n't do anything because the amount was applied to the correct ( higher interest ) balance. When I made a statement about hypothetically both balances being at 0 % they still would n't apply it correctly anyhow because they would split it in half- she had no response. I explained to her, that when I called in originally about the balance I did ask what do I need to pay and how to pay it - and that I was not informed about how incorrectly it 's going to be applied. They also could n't answer my question about how was I suppose to make that payment in order for the {$2000.00} be correctly applied to the expiring promotion. When I explained that I going to file a complained with CFPB the representative from resolution center did n't say any other word and hung up on me. 
I have this card for many years and all my payments were always made on time.

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