BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Premier Student Loan Center
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have recently disputed payments deducted from my checking account due to a company called Premier Student Loan Center, LLC. They have fraudulently deducted money on a monthly basis since XXXX of 2018, and are NOT providing any services. The first 6 months they deducted {$390.00} a month, XXXX for my student loan, and XXXX for my husbands student loan. There has been no payment towards our student loans and It appears that they are somehow putting our student loans in forbearance without our authorization and pocketing the money. After obtaining our credit report, I found that our student loans are up for renewal and that NO PAYMENTS have been received. I contacted the company and the XXXX to find that Premier Student Loan Center is a SCAM, and there is no forgiveness towards our student loans, and they are not providing any services, just taking our money on a monthly basis. Over {$2300.00} was deducted the first 6 months, then another XXXX has been deducted from our perspective checking accounts ( XXXX and XXXX XXXX XXXX XXXX ) despite hundreds of dollars in INTEREST accruing in our student loan statements. My student loan lender is XXXX XXXX XXXX and they have NEVER heard of Premier, the merchant taking my money. My husbands student loan is serviced through XXXX. XXXX   XXXX XXXX suggested that I initiate a complaint. Also, despite giving this fraudulent activity to XXXX, I was unable to receive any return of the funds. However, my husband received a partial refund from XXXX, but has recently been notified that he will not be able to keep those funds as these deductions happened longer than 60 days ago. I am certain we are not the only ones affected as there are well over 100 complaints to the XXXX. This company is preying on individuals that would like assistance with student loan repayment and forgiveness. 

I do not wish for anyone else to be defrauded as we have. 

Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: WA
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX FIN Account Number : XXXX ; XXXX  Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On the XXXX of XXXX of XX/XX/XXXXPayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I have been a costumer since XX/XX/XXXXand never had a problem. I have not been able to get help from them. But I found out that 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NC
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:
Requested copy of XXXX Report to show bankruptcy is not on credit file. XXXX, XXXX, and Equifax advised they receive information regarding Public record from XXXX. Sent dispute to XXXX, Equifax, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted signed Identity theft affidavits and police reports to all 3 credit bureaus with all the accounts that were not mine as I attempt to put my financial life back together. XXXX and XXXX validated the said account to be FRADULENT, and the said account XXXX XXXX # XXXX was swiftly removed from XXXX and XXXX but Equifax continues to report the said account as if it belongs to me. This account is not mine ... I have never had any dealings with the said company and have made several attempts to get this resolved. I am in the process of taking this to the court system and suing for monetary damages. My credit score with XXXX is a XXXX ... XXXX is a XXXX, but Equifax is a XXXX ... huge differences and this shows that Equifax is reporting damaging, fraudulent account on in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: VELO LAW OFFICE
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Date XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX and velo law keeps harassing myself and my friends they keep hand delivering papers to my friends threatening them saying I'm lying I live at the address which I do not and have never .i 've called them to tell them I don't live there they keep harassing myself and people I know. I have messages and pics from my friends of the papers and all. I have started my chapter XXXX and told them and they continue to harass and disclose my personal information. That's against the law. they have been gone as far as to make my friends think they are the police this is ridiculous and has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my Amazon store card account abruptly, without warning, after I've been a customer in good standing for 10+ years. I spend about $ XXXX annually and pay off my balance every month. 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 2021-06-03
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have submitted written proof to Equifax from XXXX XXXX XXXX that my late payments from the Months XXXX, XXXX, and XXXX of 2020 were removed. Equifax removed the late payments and then added them back. This is inaccurate and I've sent them proof twice as well as XXXX XXXX has contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: PNC Bank N.A.
State: MI
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: Was not notified of investigation status or results

Complaint:
PNC BANK failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I disputed a Chapter XXXX Bankruptcy through a letter to TransUnion ( TU ) dated XX/XX/XXXX. I received a letter from TU dated XX/XX/XXXX, which discusses their investigation procedure for public records. They said in their procedures they will either make changes to my credit report with the information I provide or they will investigate the dispute by contacting the source of the information. In this case, the source of this information is the Indiana Federal Court-XXXX. 

I received the investigation results from my dispute with TransUnion dated XX/XX/XXXX. The bankruptcy record on my report is " updated, '' according to TransUnion. They failed to remove this Chapter XXXX Bankruptcy from my report. 

I previously sent a letter to the Indiana Federal Court-XXXX, asking how they verify information with the credit bureaus. They state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' Also, I have have completed security freezes with XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). 

All documentations are attached to this complaint.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
We recently pulled our credit report and discovered that XXXX is reporting sporadic late payments on our closed account for XXXX, XXXX, and XXXX. 

According to XXXX 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which XXXX admits. 

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and XXXX refuses to remove it. 

This account was closed in XX/XX/XXXX, as it was refinanced with a new XXXX account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that XXXX delete their inaccurate reporting on our 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 2022-08-09
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PayPal restricted my account with money in it and told me to wait 180 days so I can have access to my funds, its been over 180 days now and I called to have my funds released only to be told I should wait to receive an email with instructions XXXX knows when before I can have access my funds which has been locked for over 180 days. I called on several occasions and it seems each representative seems to tell me a different story and its like they want to take my money. Please help me get my funds back as I need to pay some bills Im late on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi there, InXX/XX/2020, I landed a job in XXXX XXXX. I reside in XXXX, CA so I needed a room to rent in XXXX. I found a place to rent and paid the deposit of XXXX dollars through XXXX. However, the position that I was going to do didnt work out so I no longer needed to rent a place in bay. I asked the landlord to refund the security deposit of XXXX, she refused and told me to do it myself, so I called my back WellsFargo and they disputed the transaction. But, recently I noticed card reversal on my checking account and I got charged again the same amount of XXXX dollars. I called both the bank and XXXX and they werent able to refund my money. I also emailed the landlord asking her to refund the money, ten days have passed and still no response. I hope CFPB can take action to successfully resolve this issue. 

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 2023-09-05
Company: World Omni Financial Corp.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was reviewing my credit report and seen there was a charge off from your company. 

ACCOUNT NAME : Southeast Toyota Finance DBA World Omni ACCOUNT NUMBER : XXXX Please provide proof of : XXXX ) The Original Contract with my wet signature applied to it XXXX ) The Creditor Information ( Name, address, and phone number ) XXXX ) The Payment History and the itemized billing associated with the account XXXX ) Proof that you Southeast Toyota Finance DBA World Omni are authorized to collect the debt from me. 

If proof is not provided delete this inaccuracy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I took my son to the XXXX XXXX XXXX XXXX for a XXXX sustained during football practice. I paid my {$75.00} co-pay and later received a bill from XXXX XXXX for {$47.00} which I promptly paid. In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX ( XXXX of Mississippi XXXX XXXX XXXX for the amount of {$120.00}. I ( incorrectly ) assumed this was a mistake and had already paid this because my {$75.00} copay plus {$48.00} ( rounded up from {$47.00} ) equals {$120.00} which is the exact amount I had already paid. 
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX that stated my account had been sent to them from XXXX. Once I received this, I dug further and realized that there were 2 separate {$120.00} charges, one from XXXX XXXX, and one from XXXX ( the doctor we had seen in the ER, XXXX XXXX XXXX XXXX. ) Once I realized my mistake, I paid the amount in full to XXXX XXXX XXXX on XX/XX/XXXX. ( Will attach receipt. ) In XX/XX/XXXX, I received yet another collection notice, this time from Phoenix Financial Services ( Agency Name ) with the current creditor listed as XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX and they sent me a statement detailing that I had paid and the date of payment received. When I contacted them back to let them know that Phoenix stated the date of service had to be on the receipt, XXXX XXXX Customer Service Representative told me that their receipts are standard and he could not include it on the receipt, but he did email me back stating the date of service separately. I will attach that correspondence that includes his contact information. I emailed the receipt and forwarded the email correspondence with XXXX to Phoenix. Phoenix then sent me a letter stating they had received my letter of dispute but that they had obtained verification from the creditor confirming the account information provided is accurate. The letter from XXXX also discloses that consumer reporting agencies report the account as disputed which indicates that they have sent this debt to my credit bureau. The number on the original XXXX bill is not a working number so I have no way to discuss this with them. XXXX refused to give me the number of the original debtor, and XXXX XXXX only has the doctor 's private practice number. When I called the private practice number, his business manager said she has nothing to do with that and would not give me an alternate number. 
I have proof this debt is paid yet XXXX XXXX XXXX, XXXX continues to harass me, attempt to collect a satisfied debt, and according to their most recent correspondence ( attached ), I gather they have reported the debt to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
This complaint is against Capital One. I have a GM Card. Upon logging online into my existing GM XXXX Card, I was notified that I would have to go through a reenrollement process because Capital One has a new platform for servicing the card. I attempted to go through the process, and while the system recognized me ( it demands an existing customers social security number in order to do this process! ) it did not recognize my password.
After waiting thirty minutes online with a XXXX XXXX customer service rep, she indicated that she did not know what to do, and would have to transfer me to technical person. Another ten minutes and I reach technical support, who also can not figure it out. Twenty minutes later and multiple failed efforts, we esablish a new password and the system appears to log me in, but no data loaded. We are now past an hour, and my technical service person is stumped. So, he places me on hold for ten minutes while he asks his technical person, who tells him, " oh yeah, we are loading the data in waves and it may be three or four days before it loads. '' So, my complaint : 1. Capital One has a failed system for transitioning its customers from one platform to the next. It has not loaded the password data in its system to verify enrollment ( I had to create a new password ). Nonetheless, it is forcing its customer to begin the transfer process, when it should know that it will fail and the old system is unavailable.
2. Capital One demands my Social Security Number in order to proceed with the transfer onto its new system. Not information I want to share online.
3. At every step of the way, Capital One staff are in the dark, unaware of the system 's glitches, including the fact that even when a customer is successful, the data has not loaded, so it appear to the customer to have failed.
4. No information or explanation is provided to the customer about any of the above problems. Indeed, Capital One 's own CSRs are in the dark.
5. After waiting 90 minutes I reached a supervisor, who was aware of all these systemic failures, including lack of password data to enable customers to complete its own process, the fact that no data will be present for days, and most importantly that none of the system shortcomings are communicated in advance to customers or customer service staff so that a customer does not waste over 90 minutes trying to go through its process. The supervisor was not impressed.
So, a terrible experience using the system Capital One requires me to use, when it knows that due to the lack of underlying data it will fail on the front end ( no password data ) and fail on the back end ( still loading customer data ) and it communicates none of this online.
This truly is the XXXX of credit card companies. Incompetent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tried to use my personal checking account With XXXX. 
XXXX uses Telecheck. 
They avoided all questions-Poor. 
I am XXXX years old. This happen a few years back. 
My Credit is over XXXX. 
I pay my bills!! Even with the XXXX  not asking for handouts. 
It's time for Telecheck to remove what ever they have. 
Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. 
They are willng to give a letter on my accounts. 
Telecheck this is Unjust. 
Do the right thing and remove this! 
Way to long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: KY
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 went online to check my credit report in XX/XX/2019 and realized that XXXX XXXX is reporting an account negatively on all three of my credit reports, AND XXXX XXXX XXXX is reporting the same negative account. I am aware that no account should be reported twice ( duplicate reporting ). 

I disputed this issue on XX/XX/2019 by letter to all three credit agencies. When my online report updated XX/XX/2019 it showing both these accounts are STILL reporting across all three reporting companies.

Company response to consumer: Closed with explanation