BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I had tests performed by XXXX XXXX at the request of the referring physician Dr. XXXX XXXX who is one of the doctors at XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. A claim was sent to my insurance which is XXXX  XXXX for the amount of {$310.00}. The claim was denied so I call XXXX  XXXX to fine out why the claim was denied. They told me that the doctor office submitted the claim which the wrong code and I should let them to resubmit the claim using XXXX which I obtain from my insurance company. I have sent XXXX copy of the invoice with code and spoke the there bill department rep. and still they have not submitted the claim to the insurance. Credit Collection Service sent me a letter tying to collect the debt of {$310.00} for XXXX XXXX. Attach you will copy of the invoice and the letter for Credit Collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
This agency has continued to report to chexsystems on an account I paid off in full on XXXX  and closed as agreed upon.

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 2018-08-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal has a purchase protection program and resolution service. It is not clear whether it actually fulfills its promise in the contract to provide a genuine or real purchase protection program. My complaint through their resolution program seems to be a joke in that their responses are always in a form letter response, and responses from them have no relation to my complaint or case. In the case of " Item Not as Described '' I received a defective instrument costing {$7100.00} and provided pictures of the defect. They immediately declined to provide protection claiming the third party documentation did not meet their standards when I had not even sent a third party opinion nor had they asked for one. I sent photographs by mail, by email and through PayPal 's Resolution Center. Their decisions are not explained at all, just form letters that are irrelevant. In an obvious case of fraud ( seller claimed that the returned item was damaged in transit when the Post Office and photos confirm it was not damaged at all ) PayPal ignored the claim. In two cases of photos showing manufacturing defects, they apparently did not even look at the photographs. The process of relying on their Resolution Center is cloudy and unfriendly. I believe it is a fraud that they offer protection when they in fact do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is has inquires on my credit file that I did not give any authorization too. I disputed the inquires in a later XX/XX/2018. They did not remove any of the items that I did not authorize.

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 2017-11-17
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
This agency has continued to report to XXXX on an account I paid off in full on XX/XX/2013 and closed as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Received call from XXXX XXXX the beginning of XXXX about my not making my XXXX payment. I explained that I don't have the money until the XXXX  Wednesday of the month ( soc.sec ck ). Received letter from them dated XX/XX/2018 saying I was two months behind, XXXX payment due XX/XX/XXXX have 5days grace. Letter stated that if I didn't make payment they were going to repo my car if I did not respond within 13 days from the date of the letter for the balance of {$280.00}. I borrowed {$230.00} added note that I would pay extra each month to get caught up. Didn't hear anything from them. Now I am receiving calls from them. I changed my phone number so I wouldn't get any more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2018 we found a {$200.00} withdrawal from our checking account with Bank of America that was not authorized. We notified the bank immediately and they started a fraudulent charge case and credited the {$200.00}. Nothing was received about it afterwards. 
XX/XX/2018 we discovered their was a {$200.00} hold placed on the account. When inquired the bank said they did not find the charge to be fraudulent and was taking the money back. When informed that it was not authorized they said they would " reopen the case '' and it would take 30 - 60 days to get it started and were not reimbursing the funds lost.

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 2022-08-12
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:
Ive asked these companies transunion and equifax repeatedly to remove these inquiries because they are not mine and Ive done the steps required and the inquiries still are on my credit report. 
On XX/XX/2022 On XX/XX/2022 On XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Today ( XX/XX/XXXX ) I checked credit report ( Transunion ) in order to make the preparations needed to buy a house. One of the hard enqiries is from a company called National credit card/Airlines : dated : XX/XX/XXXX. Transunion just gave me a run around to contact another company. I don't know why this National credit card/Airlines is on there and I don't know what it is, but I didn't apply for anything with National credit card/Airlines. I'm trying to fix my credit so I don't need hard inquiries I have nothing to do with on my report.

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 2018-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery Associates referred to hereafter as " PRA '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from PRA that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). On XX/XX/XXXX at XXXX XXXX   Eastern Time, I called PRA ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX XXXXXXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXXXXXX policies, accounts are charged-off 6 months after the date of first delinquency ( DOFD ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the DOFD according to XXXX XXXX was XX/XX/XXXX but PRA purchased the debt XX/XX/XXXX and that's the new DOFD. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX XXXX ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to PRA. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the DOFD be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and XXXX but I have not gotten any results. I even tried to call XXXX again after getting off the phone with XXXX XXXX  the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Diaz & Associates, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The supposed company Diaz and Associates sent me a letter dated XX/XX/XXXX stating that I owe a debt of {$1000.00} but are willing to settle for {$190.00} If I paid by XX/XX/XXXX. They offered for me to pay by XXXX XXXX   to get it there quick enough. The letter states the original creditor as XXXX XXXX. bank. I contacted that bank and they have no records of me having an account there. I called the debt collection company phone number on the letter and got a very unprofessional person on the other line asking for my social security number. I told the representative that I had no knowledge of XXXX bank or an account I have ever had with them. The guy confirmed my name and email address and told me that XXXX is going to take action against me in court. He stated the debt from XXXX but Kansas law states the statue of limitations would not allow the debt to be sued on. I told the guy I had no knowledge of the debt again and would be sending a dispute letter. and he said I will be sued an hung up on me. The letter I received gave me no offer or knowledge to dispute the debt within 30 days of I believe it to be a mistake which is required by law. Nor was that mentioned on the phone. This seems to be a fraudulent situation. This debt has never been reflected on my credit report. This seems to be scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 made a call to Transunion about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my Transunion and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Ran unauthorized inquiry on XX/XX/2016

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 2018-03-15
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: Public record information inaccurate

Complaint:
This is not my bankruptcy i submitted all necessary documentation BUT EQUIFAX have not yet to responded the paperwork used to verify this ... First they said in XXXX 2017 this was verified via XXXX XXXX, which could not be mine accurately because my files are suppressed since XXXX of 2017 .... Second they said verified thru federal court BUT per letter submitted the courts VERIFIED THEY DO NOT GIVE INFORMATION TO CREDIT BUREAUS .... THEREFORE THEY HAVE VIOLATED FCRA and not given my investigation PROPER DUE PROCESS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
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:
Rushmore Loan shows on my XXXX Credit Report that I filed for chapter XXXX. On XX/XX/XXXX. They also show on my XXXX   Report that my mortgage was included in a wage earner plan. My mortgage was reaffirmed with XXXX XXXX in XX/XX/XXXX when I filed chapter XXXX. I have always paid my mortgage directly to XXXX XXXX and when sold to Rushmore. My bankruptcy was discharged on XX/XX/XXXX I did not file for bankruptcy on that date as reported by Rushmore. Also my mortgage loan was paid in full in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Capio Partners, LLC
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 is missing that should be on the report

Complaint:
I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. 

Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2018 I discovered a new account in collection from XXXX XXXX had been re-inserted into my credit file. Transunion are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Ive already sent This complain and picture of reinsertion attached, but Transunion saying they dont have any on their record. Seems like false information and they just dont want to follow the rules.

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 2019-05-27
Company: EQUIFAX, 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 information incorrect

Complaint:
Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: DISCOVER BANK
State: WI
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:
On XX/XX/2017 I made a purchase of 9.9 gallons of gasoline in the amount of {$21.00} at the XXXX XXXX in XXXX, WI using my Discover Card. When I received my bill there was an additional charge for {$100.00} at this location which I did not incur. I first contacted the XXXX XXXX WI Sheriff 's Department and then contacted Discover Card. The XXXX XXXX Sheriff 's Department initiated Case # XXXX, and Discover Card initiated Case # XXXX. Discover Card initially rescinded the charge, but then toward the end of XXXX I received their determination that the charge was valid and had been put back on my account. 

I responded, detailing the vehicle I was driving and indicating there was no way I could have put approximately 55 gallons of gasoline in a XXXX XXXX as their determination indicated and that surveillance video would show that all I did was put 9.9 gallons of fuel in the XXXX. Discover Card dismissed my claims and is holding me responsible for the charge. Discover Card asked for supporting documentation for my claim, but there is no way to document something I did not do. 

Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief