BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Name is XXXX XXXX and i have service from XXXX for long time then i move to other company and i paid all my bills including the final bill. now they send me a new bill and i told them i pay off all my bills, after then they send my information to collection agency. and i don't know how to pay again, can please help me and i will attach the final bile receipt Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
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:
I submitted a Second written request in writing to Equifax, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 )  ( A ) by mail, I continue to receive emails from the Equifax credit bureau that the account have been updated and verified and is still listed as an open reporting account. Acct # XXXX XXXX XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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:
I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately

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 2018-10-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
End of XXXX, received Sychrony Email Statement and ntoice {$1300.00} promotional rate is expiring on XX/XX/2018. 

On XX/XX/XXXX, we sent a Check in the amount of {$1300.00} before traveling overseas, to pay off residual balance of a Sychrony Card due XX/XX/2018. 

During the XX/XX/XXXX, I notice {$4000.00} charges was posted to my account on XX/XX/XXXX. I've immediately called to inquire about the reason for the charges, and followed their instruction to fill out a Dispute Acknowledgement form with a carbon copy of the check and a letter to describe the incident. Priority Mail was sent on XX/XX/XXXX with Letter and Carbon Copy of the check as instructed. 

During XX/XX/XXXX, I called Sychorny bank to check the Dispute Status. They response was there were no updates ; they will call me if there are updates. 

On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  requesting Payment documentation to complete their investigation. 

On XX/XX/XXXX, I sent out a certified mail with Carbon Copy of the check and another letter to describe the incident. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to check dispute status but the response was " there is nothing they can do, since they never received the check. 

During the period above, I have Never received any telephone calls from XXXXXXXX XXXX to inform the status of dispute nor receipt of my documentation.

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 2021-08-17
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I currently have an account with Fortiva. My card has expired as of XX/XX/XXXX. I was never initially sent a replacement card. When I went to go use the card in XXXX, I realized it was expired, and called the company to request the card/change my address. On that first call they told me they would send it. One months later I still did not receive my card so I called again. This time they told me that it takes a month to send the card because I changed my address last time. I asked if they could expedite the card seeing how it was already 2 months without my card and they agreed and said 3-5 days. Two more weeks go by still no card now we are in XXXX. I call again and this time they say they do not know why it was never sent and assured me once again my card would be expedited now 7-10 days. Still did not receive the card after that time. Then I receive a phone call my payment was past due, because now its past XX/XX/XXXX already and my payment was due that day. I did not pay the payment, because I am furious about how this is still going on, so I called again and demanded a supervisor. The supervisor did seem sincere about helping me but did not accept my request of it being sent out that day and also once again said they would expedite the card in 7-10 business days. It is now XX/XX/XXXX still no card. I messaged them today XXXX  on there app asking where is my card. The messaging rep said now since my account is past due they wont issue a card at all. I am beyond aggravated with this company. I have an exceptional payment history up to date for the past 3 years not one missed payment. I am appalled at how they are conducting business this way. In good faith I did pay what the actual minimum payment should be which is {$55.00} but since they tacked on {$100.00} dollars of fees for not paying it on the XXXX, they are claiming that has to be paid for a card to be issued that I should have already had in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX/XXXX/15 someone contacted synchrony bank ( walmart ) and requested a change of address to florida and had my credit limit changed from {$400.00} to {$3400.00}. No one from synchrony questioned theses changes, called me to verify or anything. This person made a lot of charges. on XXXX/XXXX/15 I recevied a letter from synchrony asking if these changes where made by me. I know mail only takes about three days to get XXXX. Upon receipt of this letter i called and was told what had happened and that i was not responsible for the charges. they gave me a new credit card number but because they were unable or unwilling to tell him how they allowed this to happen in the first place i had the card canceled. On XXXX/XXXX/15 they mailed me a fraud letter and i received it on XXXX/XXXX/15. I want a full explianation as to how my security with them was breached and why i was not called the day for this major change was requested. I also want a written apoligy for the hardship this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX XXXX Paid, Closed. 

XXXX XXXX {$7700.00} XXXX XXXX XXXX/XXXX XXXX {$640.00} XXXX/XXXX XXXX {$790.00}. 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Regarding previous CFPB complaint # XXXX. Capital One states in it's XX/XX/2021 letter that I have been credited for the entire transaction however the math does not indicate that as true. Initial merchant charge : XXXX. Merchant credit : XXXX. Capital One provisional credit : XXXX. Capital One debit in error : XXXX. Capital One credit : XXXX. XXXX still due cardholder : XXXX Capital One still owes me the {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have no knowledge of this debt. This debt was recently placed on my credit report. I was not notified properly of this debt before been placed in collection. This is a violation of my rights. Company is now close but debt continues to be sold to several collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
it was XXXX i went to sears . cashier told me it was big discount when i opened sears account. she told me a lot of things. and i open sears account. make short story i did not get discount. i used sears account and paid on time. one day i got mail. it showed me {$340.00}. i called sears. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX. i got bill from XXXX  XXXX. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have been trying for a year to get my credit report from transunion.they keep saying their information doesn't match mine but wont tell me what so we can fix the problem.online or by phone we cant get past address.but yet they send me notices to MY address saying I have to send proof of address to them.I did this back in XXXX of 2019 but they still claim address doesn't match.cant get anyone to explain whats going on.funny to me XXXX  and XXXX  no problem getting credit reports just transunion.can someone please help me get this resolved.i am trying desparately to get my credit repaired.i am not sending my personal information to them again without knowing they are getting it.any help is greatly appreciated.thank you 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 2022-08-10
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/22, I sent a notice of dispute to Equifax. On XX/XX/22, certified mail confirmed this as having been received ( both attached ). According to the FCRA and 15 U.S. Code 1681i ( a ) ( 2 ), Equifax has violated my federal rights. I first spoke with representative XXXX XXXX XXXX  ), and then further spoke with XXXX XXXX ( XXXX ), who acknowledged on a recorded line that Equifax is a consumer reporting company subject to federal law. XXXX claimed that they would need XXXX days and that I should contact back even though Equifax did not respond to my notice of dispute within 5 business days of receiving it. On a recorded line, they admit to not doing, and thus, to breaking the law. I submitted XXXX items for dispute/removal and they told me to " allow them a few more days ''. The Equifax Data Sharing Policy has also violated my rights in the same way. I have not given my express, written, or authorized consent for any of the seven items being disputed. All XXXX  items I have disputed lawfully must be removed from my consumer report, pursuant to FCRA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015 was original date of debt with att {$54.00}. Bill was payed shortly after becoming aware of it and has been removed from all other sources and collections. Was removed from both XXXX and XXXX  but showed back up on XXXX and is incorrect. Bill was payed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 for 30 days late!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
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: Account status incorrect

Complaint:
I Have sent out a debt validation letter to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are  not deleted immediately. I Have been ignored with each request by Experian only, XXXX have removed the negative items without prejudice. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2020 without proper validation. I do believe this is a prejudiced response.

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 2020-01-20
Company: Experian Information Solutions 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:
I refer to the above XXXX credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX  Insurance Coverage. XXXX XXXX XXXX. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year 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 2020-06-26
Company: Aqua Finance, 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:
Aqua Finance open an account in my name without my consent using false information. I never authorized Aqua Finance to pull my credit nor did I sign a contract. The information listed on the contract is not correct. They listed my military rank and salary wrong on the application and I never signed the contract. I have reached out to them on several occasions to have this information remove off my credit report. I contact a XXXX XXXX on XX/XX/XXXX about my credit been pulled and she couldn't locate my account but told me to call XXXX Ext XXXX. I was told if I filed a police report this would remove the account off my report. I filed a police report Case # XXXX and sent this information over and the report is still showing on my credit causing my score to decrease. The electronic signature was not done by me and I never spoke with a representative or the person listed XXXX XXXX, about pulling my credit or trying to establish credit for me. I have been working on my credit and I wouldn't allow someone to pull just my credit. On the contract XXXX XXXX listed my military rank as an XXXX XXXX  and I'm an XXXX XXXX  He listed my gross salary at {$5000.00} which is also incorrect. I would never claim to be of rank that I haven't earned in the military that's a frown on my Integrity. Also, I joined the military XX/XX/XXXX and XXXX XXXX show on this contract that I've served for 18 years. XXXX XXXX listed my husband as Retired military and gross salary XXXX. My husband has never served in the military. He's received SSI monthly. On the contract he listed him as XXXX XXXX XXXX and my husband doesn't have a middle initial. All this Information is incorrect and XXXX XXXX never spoke with me about my military career, salary or if he was authorized to pull my credit. The signature on the contract wasn't signed by me and I had no knowledge of this account until I received an alert that my credit was pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.

Company response to consumer: Closed with explanation