BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt to this company asking the company to provide me with viable evidence bearing my signature showing that i have a contractual obligation to pay them.And the did not provide me with nothing with my signature connecting me with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2017-11-27
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
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: Information belongs to someone else

Complaint:
My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX  XXXX {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX   XXXX XXXXXXXX 4 ) XXXX XXXX XXXX {$390.00} 5 )  XXXX/ XXXX XXXX IN Please investigate this and send me the Method of Verification used, or remove the accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexis nexis is improperly and illegally verifying bankruptcy information without utilizing the clerk of courts. The information is being shared on transition consumer reports improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As of XX/XX/21 PayPal closed my account for no reason and will not help me with getting it back up and going. I have conducted business with PayPal for years and have never had a problem. I received an email from them stating that I was selling XXXX material through them, however the only XXXX related items I sell are XXXX XXXX websites throughXXXX. Not one of the website collects money from visitors, or has a PayPal payment gateway on the site. I sell many other items on XXXX which are not XXXX products at all and have to use the same PayPal account for all, as multiple accounts are not allowed with PaPal. I have not violated their TOS ... 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 hours now, as no one answers the phone. The time I did get through, the lady said it is final and she could not tell me anything further, that it is decided by another dept. If I have done something wrong at least give me a chance to fix it! They are also holding my funds for up to 180 days. Please release my money immediately, if I can not have my account back. I 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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:
Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ XXXX ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.

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 2020-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of year XXXX CHASE bank made me pay {$390.00} becauseof a shortage on my account, which I paid for XXXX beginning.. the escrow acct go from XX/XX/XXXX to end of XXXX, XXXX I Requested to see my escrow acct not only I was not in a shortage but I have a balance of {$2000.00} on XXXX XXXX making a XX/XX/XXXX balance of {$2900.00} to start the year ... I never missed one mortgage payment or be late .. I make an automatic advance every 2 weeks to pay the next month mortgage ( I use this to minimize my interest in the long run ) and give me 2 more payments every year which could be applied on the principal or escrow if needed it. 
.On XX/XX/XXXX after Chase payment of the property tax it was a shortage of {$140.00} XXXX payment ( {$590.00} ) making a balance of {$440.00}, XXXX {$1000.00}, XXXX, {$1600.00} ..plus an extra payment of {$910.00} from 2 weeks over pay, making a balance of {$2500.00}, not {$1900.00} ... .. there was a lot of confusion after I called to put my 2 years extra payments ( included extra of XXXX ) on my principal, the conversation was recorded and easy to listened to and all could be easily corrected ... .. I went to Chase branch, write letters after letters calling 20 times ... for 5 months ..I get a different explanation each time, but can not get satisfaction .If I did not supervise my acct I will never know the missing .What about if they are doing this for thousands of mortgages who do not have the time or the understanding to calculate their acct.? it is scary. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XX/XX/XXXX I purchased XXXX XXXX smartphone at {$890.00} with the tax amount of {$53.00}. Total amount is {$950.00}. 

XX/XX/XXXX The price of XXXX  XXXX smartphone is reduced from {$890.00} to {$740.00} by {$150.00}. The promotion term was : Save {$100.00} on XXXX XXXX or save {$150.00} on XXXX XXXX XXXX. Starts XX/XX/XXXX at XXXX PT and ends XX/XX/XXXX at XXXX PT, while supplies last and subject to availability. US residents only. Must be 18 years or older. Unless otherwise stated, offerer can not be combined with other offers and is not transferable. Purchase must be made on XXXX XXXX US. Not valid for cash or cash equivalent. Void where prohibited. 

XX/XX/XXXX I filed a claim for price protection # XXXX with the MasterCard Assistance Center. 

XX/XX/XXXX I received {$53.00} amount of check. 

XX/XX/XXXX I called MasterCard Assistance Center ( XXXX ) to clarify the claim amount as {$150.00} NOT {$53.00}. And they say they will report to the claim examiner. 

XX/XX/XXXX I again called MasterCard Assistance Center about the claim. Claim examiner said the promotion terms are not valid price because they are just terms. 
I claimed the store website showed only the original price and discount amount as terms so I attached the valid promotion terms but it was rejected.

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 2019-04-28
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Sunday XX/XX/29 I received a text alert from XXXX XXXX that a collection account was added to my credit report from XXXX XXXX. I was not notified by mail that they were attempting to collect this 6 year old debt. Therefore I was not afforded the opportunity to ask for proof. This was placed on my credit report instead before I was afforded the opportunity to dispute this. The original creditor was XXXX XXXX for {$280.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-28
Company: Financial Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never heard of this debt collector never sign any contract with them or have any business with company they did send any signature about this dedt I do not owe this debt to them. date was XX/XX/2019 XXXX so they say and have no proof of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2019-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have a credit lock on my account because of prior hacking. For some reason Experian does not have my phone number in their database, so when I try to lease a anew vehicle for example, people can not contact me to confirm the transaction. I have called Experian many times to rectify this, and each time they assure me the phone number has been added, but it never is. Last time I talked with them to rectify this was early XX/XX/2019. I spent a long time on the phone with multiple people at Experian who assured me this time it was corrected. I now find it has not been, and it is causing me credit issues again. What do I have to do to get Experian to work for me instead of against me?

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 2019-04-28
Company: Experian Information Solutions Inc.
State: NV
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:
Experian report # XXXX for XX/XX/19 XXXX XXXX XXXX card ending account # XXXX of credit card. does not show update for XX/XX/2019 and XX/XX/2019 {$0.00} 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
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: Other problem

Complaint:
I have a paypal credit card through Synchrony Bank. 
I have been unable to see my account for the last 8 months. 
It disappeared from paypal website. 
There's no independent site login from Syncrhony Bank to see my account. 

My chat contacts with support has been a waste of time with no understanding and just repeat of things I had done. 

I want to have access to see my account to independent website from Synchrony like all their other credit cards. 
I want the finance charges for last 8 months be removed due to my inability to see my account and pay on time to avoid very unusually high interest APR.

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 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of america core checking account can waive the checking account monthly fee if there's direct deposit of {$250.00} and more. I have a direct deposit of {$250.00} in XXXX but bank of america still charged me a monthly fee of {$12.00}. They said that they can not waive the monthly fee for me because they have a specified billing period. The direct deposit dates must be in the billing period ( XXXX to XXXX of next month ) to get the fee waived. 

This is not stated in the agreement when I opened the account. Hope that bank of america can help me reverse the monthly fee.

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 2021-05-31
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an unsolicited debit card in my name mailed to my place of residence from Huntington Bank. As I was out of town, I do not know exactly when the letter arrived, but sometime between XX/XX/2021 - XX/XX/2021 appears most likely. 

I did not request this account nor have I ever to my knowledge done business with this bank previously in any capacity. I have reached out to customer service of this company but they are closed on the holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went online and try to submit a dispute my credit and information with transunion, XXXX, XXXX  the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX  discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from transunion because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.

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 2021-02-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the attached letter to Santander certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt. Also, They are involved in a class action settlement. The settlement includes all auto loans from XXXX. Both accounts on my credit report fall in that range. Santander has sold the accounts to collections and kept both original accounts on my credit report against the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: STERLING JEWELERS, INC.
State: NH
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:
On XX/XX/XXXX, I paid off an account with XXXX XXXX   through their collections agency XXXX XXXX XXXX, XXXX in the amount of {$250.00}. On multiple occasions for the last 7-8 months I have attempted contacting XXXX XXXX and have submitted multiple disputes through all three major credit bureaus to have my account updated properly to note that the account was in fact paid. On XX/XX/XXXX a complaint was submitted through CFPB for this exact issue and on XX/XX/XXXX a response from the company specifically XXXX XXXX advising that the account would be updated for any errors. As of today XX/XX/XXXX the account still has yet to reflect being PAID. This causes many issues with potential future loans as other creditors see the XXXX XXXX account as an unpaid charge off which is in accurate. It is absolutely absurd to go through this much effort to have one single word added to an account. The next step I make will be with a Collections Attorney if this issue is not fixed and my account is not ACCURATELY updated. I left feedback on the previous dispute as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian credit bureau lists a Bankruptcy on my credit report. Experian stated on my credit report that XXXX ( third party ) has verified the bankruptcy as being factual. I contacted The United States Bankruptcy Court Northern District of Illinois regarding the matter of the court verifying the information. I received a letter from the court that states : The bankruptcy court does NOT perform any activities with the credit bureaus. I must contact the individual credit bureaus for their procedure for removing the bankruptcy filing from their credit bureau. Experian or XXXX will not remove the account because the bankruptcy court hasnt verified the information.

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 2021-04-24
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2019-04-28
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
There is a XXXX  XXXX account on my credit report which shows being paid in full but 150 days in delinquency. I have never made a late payment on this account. The balance was last updated in XXXX of 2013. For the last 6 years this inaccurate payment history has been hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation