BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re Acct # XXXX {$470.00} On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/2018 and XX/XX/2018. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$470.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A fraudulent account was opened in XX/XX/2016with XXXX  ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with XXXX and Trans Union and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make XXXX and Trans Union adhere to the federal 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX/XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my XXXX  office. I was seeing a XXXX  to have XXXX  XXXX XXXX made for me. The XXXX office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled XXXX appointment, the XXXX   office re-scheduled the appointment. I have yet to be fit with the XXXX  XXXX. The XXXX office continued to bill XXXX XXXX even though the XXXX never completed the XXXX work. I finally was able to reach the billing department at the XXXX office regarding these re-occurring payments and the XXXX office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the XXXX office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16
Company: Mortgage Research Center, LLC
State: VA
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:
A company named Veteran United, has confused advertising like they work for the veterans administration and they not, I am interested in purchasing a house and I gave this company all my personal information about me but at not time I gave them permission to pull a hard inquiry on my credit but they did, credit reporting XXXX email me right away, I call Veterans United and told them I did not gave them permission to pull my credit specially a hard inquiry, this company really full me as a XXXX  era us XXXX veteran that I am, they false advertising is wrong to all veterans. And again I did not gave them permission to pull a hard inquiry, all I want is to remove it out of my credit report.   XXXX XXXX is the person I spoke to and I refreshed to him that I did not gave him permission for a hard inquiry . His number is XXXX ext XXXX. Thank you.

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 2020-11-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was offered a {$500.00} bonus for opening a checking account with Bank of America and making {$10000.00} in direct deposits within 3 months of account opening. I spoke by phone with a Bank of America representative on XX/XX/2020 to open the account ( account number is XXXX ). The promotional email I received telling me about this account had no unique tracking information other than my name in the email. I met the terms of the bonus on or about XX/XX/2020. Bank of America appears to have enrolled me in a {$100.00} bonus program instead and awarded me a {$100.00} bonus on XX/XX/2020. I have called Bank of America at least twice in XXXX and XXXX to confirm my enrollment in the proper bonus. They told me they had opened a case on my behalf and it would take up to 60 days to complete their investigation. If I'm not mistaken, 60 days has come and gone without any contact from them and I'm still missing {$400.00} of the bonus.

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 2019-03-08
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my Credit Report and noticed XXXX XXXX XXXX on my Credit Report. I do not recall at any time applying with this company. I am requesting that this is removed from my Credit Report or if XXXX XXXX believes they had permission please consider this my formal request for a copy of the credit application, which by law they have to maintain and provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mother XXXX XXXX XXXX has a VA Loan the servicing was recently purchased by LoanCare. She has been making her payment to another company with a tax exemption. She is an XXXX XXXX XXXX XXXX widow. XXXX took over her loan that had a payment of XXXX monthly in XXXX. They recently sent her an escrow statement stating she has an escrow shortage of {$1100.00} and that they are raising her mortgage payment on XX/XX/2018 to {$1600.00}. She has sent the Exemption letter to their office and phoned them on several occasions with no solution. They keep telling her to send it to their Florida office that they do not handle it. I personally sent the Tax exemption letter to all 3 addresses listed on back of her payment letter. The only response she has received is this letter stating they are now raising her payment not reducing it. I have been advised to send a letter to them directly and carbon copy the CFPB on the letter to see if we can get a solution. My mother is old and lost her husband a few years back and does not need this stress.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.

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 2023-05-16
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX There is an 'AUTOPAY '' for {$160.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

XX/XX/XXXX There is an 'AUTOPAY '' for {$210.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

I NEVER RECEIVED A CARD ENDING IN XXXX, XXXX, ANYTHING AFTER CARD ENDING IN XXXX -- I DID NOT GET. 

Can you read? Do you understand what I just wrote? 

I. DID. NOT. RECEIVE. ANY. REPLACEMENT. CARD. AFTER. XXXX. 

YOU made me pay for a fraudulent charge. YOU owe me {$160.00} that I had to pay for on XX/XX/XXXX because YOU CONTINUOUSLY FAILED TO REMOVE FRAUDULENT CHARGES FROM MY NAME AND HAVE IMPACTED MY CREDIT SCORE NEGATIVELY Do you understand? Can you comprehend the timeline of events that I have explained to every single representative since XX/XX/XXXX? 

I PAID OFF MY CARD IN XX/XX/XXXX AND NEVER USED IT AFTERWARD Actions taken by Citi : NONE Your company of morons NEVER opened any dispute, as each time I'd call, your representatives would tell me " oh, we're sorry to hear that sir, we'll get a dispute opened up for you, '' AFTER I JUST SPOKE WITH SOMEONE A WEEK PRIOR WHO TOLD ME THEY WOULD OPEN ONE UP. 

Your company would pass me from one department to another ; Customer Service, Disputes, Fraud Early Warning, Collections, and EVERY SINGLE REPRESENTATIVE WOULD SAY I NEEDED TO BE TRANSFERRED TO SOMEONE ELSE Your company would tell me that my balance was showing {$0.00}, and that I had nothing to worry about. I had to discover that your dimwitted system reports to creditors one linked account ( open since XXXX ), but for some idiotic reason, you create new 'accounts ' with each newly issued card so that your morons have no idea what they're looking at when I tell them that idiotic Citibank has issued/created 5+ account numbers AFTER XXXX, INTENTIONALLY MAKING EVERYTHING SO DIFFICULT TO KEEP TRACK OF Your company to this day has failed to open and process a dispute regarding the remaining amount that was on my report, MADE ME PAY, AND STILL HASN'T TAKEN OFF MY REPORT Your company allowed someone to change my security word, address, bank account number, phone number, email. I NEVER CHANGED ANY OF THIS INFORMATION. I HAVE HAD THE SAME INFORMATION SINCE XXXX. 

Your company allowed XXXX XXXX XXXX to be added AND MAKE UNAUTHORIZED PAYMENTS. I HAVE TOLD EVERY SINGLE REPRESENTATIVE I DID NOT AUTHORIZE THIS ACCOUNT OR EVER AUTHORIZE PAYMENTS FROM THIS ACCOUNT!!!!!

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 2019-08-16
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, XXXX  and Transunion have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have contacted trans union credit bureau to delete a collection account that has lowered my credit score 40 points from my record on XX/XX/19 ( XXXX  ) I sent them the information which this company has complied too delete from my credit report all other agencys have already removed this item from my reports but trans union has not

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 2019-08-16
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother has a property that she wanted to transfer to me ( her daughter). The house is mortgaged through BECU. BECU referred us to contact "Assumption Department" for this process or loan transfer. The process started in XX/XX/XXXX and we were told it would take 60-90 days. We paid the required fee of XXXX. In XX/XX/XXXX, a year later after the process started we were told the loan is denied because I do not have sufficient income. The bank is in the position to accept and deny whomever they choose based on the "bogus" calculation of debt to income ratio that they have refused to disclose in writing. If there is nothing to hide, there is no reason why they wouldn't want to disclose this information to us. My hourly rate is over $XXXX/hr and I can work flexible hours.  I am not self-employed and does not work for multiple companies; therefore studying my income should not have taken a year. Therefore, their rationale does not make any sense. Moreover, I have even received a name of a title company giving me the impression that they are more likely will accept my application.  

What is even more frustrating is that a process that should have taken 60-90 days turned into longer than six month period. I have mailed materials that they have requested to them at least three times; I have emailed their team over a dozen time and even went to BECU to get updated on this loan. If you call their department, your chance of speaking to someone is slim to none. This is supposed to be a bank that is FOR the community. I expect this kind of behavior from a private sector not from a "credit union"

Lastly, I am not new to home loan applications. I have been through a home loan application process more than once with different banks. By far this has been the worst experience. 

I don't expect anything from this bank. I just want others to be aware of how they process information and to stay AWAY from BECU LOAN or "Assumption Department"  Because (a) the 60-90 day is misleading (b) they will ask you for million pages of documents just to deny your application a year later. Keep your peace and do your business somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re Acct # XXXX {$930.00} On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to PORTFOLIO RECOV ASSOC regarding Acct # XXXX. ( See Attached letters ). There are also 3 other accounts I sent letters so that PORTFOLIO RECOV ASSOC could validate the debt they claim I owe. All letters were sent certified on the same days, which were XX/XX/XXXX and XX/XX/XXXX. I am sending a copy of those letters. The debt hasnt been validated. 
Acct # XXXX {$3700.00} ( Case Was Dismissed, attaching court dismissal paperwork ) Superior Court XXXX, CA Case number XXXX Acct # XXXX {$930.00} They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my family ; my home and credit and I need help taking care of these matters. 
Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account with pay pal was closed for 180 days for no reason on XX/XX/2020 and I have tried multiple times to contact them but nobody offers any help at all they keep giving you the run around and there are never any live chat members and nobody answers the phone or emails. So I was patient and it had been over 180 days and I have still not gotten an email to release my funds. Pay pal is such a bad service and I would like to receive an email immediately because I worked hard for my money. The email link connected to my pay pal is XXXX XXXX

Company response to consumer: Closed with explanation