BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MS
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 am a victim of identity theft and there are two credit inquiries that are currently appearing on my credit report that I did not authorize. They are listed below : 1. XXXX Date : XX/XX/2020 2. US SM BUS ADMIN ODA Date : XX/XX/2020 I have provided all of the information that is needed for Experian to remove these inquiries from my Experian credit report. As of today, Experian is still showing these fraudulent inquiries on my credit report and have not provided me with any proof that these inquiries should still be on my credit report. I want these two fraudulent inquiries removed from my credit report 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 2020-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I initially received some communication from Portfolio Recovery regarding a debt owed. I requested detailed validation of the debt to review the records but they simply just sent me a one page notice on their letterhead but nothing from the actual source. I also took note that Portfolio was reporting to the credit reporting agencies that I have a one month term with them which I do not, nor have I ever agreed to such. In addition Portfolio is stating they are the creditor of this account which can not be factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Credit Counsel, Inc.
State: FL
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 spoke to their customer support and I was informed that the date of service and date of last activity on this account was XX/XX/2013. That is well past seven years and they are in violation of the Fair Credit Reporting Act. I do not wish to pursue an attorney for this violation of the FDCPA but will have to if they do not oblige my request. Again, my intent is not to file a lawsuit, I simply want this removed from my credit report as it is illegally being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report 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 2020-09-07
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two letters on two different occasions asking United Revenue Corp. to validate the debt that they claim I owe. The first response I received back from them showed a name and an amount that is all. To be  a valid verification the company needs to provide original documentation from the original company to show that this supposed debt is actually mine. Well, that is not a sufficient validation per the Fair And Accurate Credit Transaction Act that the debt collector sent back to me. They need to  accurately validate the debt or delete it from my credit report if they can not validate 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 2020-09-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XXXX and XX/XX/2018 when I was sick, my credit cards were stolen and account access by a XXXX  XXXX  family member. I filed an identity theft report through FTC # XXXX. I advised the creditors and disputed with all credit bureaus and they are still reporting the information that was due to identity theft. Please delete all negative information as I paid these cards/bills on time prior to the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am anxious to pay off this loan and have contacted them several times requesting payoff information. My requests have been ignored and no one has bothered to supply information to me. I dont want to keep paying interest on this loan for more days than today. I want to pay off and be done with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion continues to update my investigations without providing me the information that they're using to verify these accounts. I just find it quite strange that they're able to verify but the other bureaus could not and removed the items as stated per the FCRA.

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 2020-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2017-08-09
Company: JPMORGAN CHASE & CO.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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: Investigation took more than 30 days

Complaint:
I took out an auto loan with USAA on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on 2 payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reached out to experian, Agent XXXX " XXXX '', argued with me about my report not being over 7 years, and when I asked her to speak with her supervisor, she stated her supervisor was going to ask WHY I wanted to speak W/her, as it's Cleary Knowles why, she  stated I was going to be told the same thing, finally she puts me on HOLD, speaks with her SUPERVISOR, and come back to tell me ... SHE SPOKE WITH HER AND SHE SAID THERE WAS NOTHING SHE COULD DO. I asked for the supervisor name and OF COURSE she not " ALLOWED '' to give me her name, to come back and tell me to giver her my number and her supervisor will contact me. 
I fill this was a negative, unappropriate, unbusiness way of doing this and it NEEDS TO STOP, the managers and supervisors are there to take the customers call if they can't settle a problem through the CSR. Very XXXX and want something done about the LIES

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 2020-09-03
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Paypal has a negative balance of XXXX. This is not my balance. My paypal was not used by me to lead to this balance. It was used by someone else, and paypal has not done anything about it. I know who it was used by, and they have asked to have the debit moved to their paypal account, and nobody will listen to me, as I've contacted paypal numerous times about this issue. So since this has happened, my paypal credit account has been dropped from XXXX to a total of XXXX, which was what I owed on the paypal credit account from the beginning. Also two of my Synchrony accounts have been closed, which had a XXXX  balance on them for months, and all of sudden my accounts were reviewed after submitting a compliant to XXXX, with no response from the company. This is the worst business practice. This has made my credit score drop 70 points in a month. I've been working hard on getting my credit score up, and now its dropped again due to someone else 's debt. I feel that all of this has happened because of my complaint to the XXXX, and clearly it has. My accounts have never been closed before, for no apparent reason, like they are being closed now. The negative paypal balance is not mine, and I want to close my paypal account after I pay off my paypal credit. They will not let me close it because of the negative balance, that is not mine. This will be following me forever, and it's not even mine. I have text messages from the person who made the debt, asking me to move it to their account, they claim it.

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 2020-10-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was sent to National Credit Systems as a request to provide validation of the account they are allegedly collecting for. I sent this letter on XX/XX/2020 and they got it XX/XX/XXXX. To make sure they get it I sent it by certified mail with # XXXX. I have yet to hear from them despite the extra time they had to investigate and give validation because of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CIT BANK, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My CIT Bank IRA CD matured on XX/XX/2020. It contained {$40000.00}. I opened an IRA account at the XXXX XXXX XXXX and had the credit union complete a form instructing CIT Bank to transfer the IRA funds to my account at the XXXX XXXX XXXX. CIT Bank gave me specific instructions on how to complete the transfer form. 

XXXX XXXX XXXX prepared and signed the form, as did I, with the information provided by CIT Bank. I faxed the form to CIT Bank ( the credit union said they would have to mail it ) and confirmed that the form was received by CIT Bank. CIT Bank informed me that it had mailed a check to XXXX XXXX XXXX on XX/XX/2020 and closed my account. CIT Bank informed me that the check was mailed by first class regular mail with no tracking number and that it should be deposited by XXXX XXXX XXXX within 7 to 10 days. 

It is now 15 days since the check was mailed and XXXX XXXX XXXX claims that it has not received the check. I have been trying to reach CIT Bank 's toll free customer service number at XXXX for days, multiple times per day. The phone is answered by a recording that directs callers to a menu to select an option. To speak to a customer service agent I touch 0 and always get a message stating that " Your call can not be completed as dialed. Please check the number and call again. '' Even when I select option 1 to open a new account, I get the same message. 

This is not normal. I am able to send a message regarding my account and sometimes get a response, but I want to talk to someone who can tell me the CIT Bank number on the check and whether it has been cashed and what to do next. I am at a loss and also anxious about the whereabouts of my {$40000.00}. I am XXXX years old and that is my retirement savings. Please help me. I want to talk to a live person at CIT Bank. If I can't get through, I am sure no one else is able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
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 belongs to someone else

Complaint:
There are reports of times and dates and city and state that was not done by me! 
XXXX XXXX  XXXX, MI XX/XX/XXXX XXXX XXXX XXXX, KS XX/XX/XXXX XXXX XXXX XXXX, GA

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 2021-01-26
Company: EQUIFAX, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : Equifax XXXX XXXX Equifax XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Affiliated Management Services
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
USPS delivered XX/XX/19 sent from Affiliated Management Services Inc. a falsely alleged amount due to " Breathe '' of {$30.00}. Attempts to call XXXX to request email address to attach USPS document received and resolve false allegation repeatedly obstructed. 

Attempted upload of Affiliated Management Services Inc.pdf denied.

Company response to consumer: Closed with non-monetary relief