BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX   balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
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: Account status incorrect

Complaint:
I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.

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 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
The reason for my complaint is because this company did not provide all the services that I paid them for. It was XX/XX/2017 I paid XXXX XXXX XXXX {$2500.00} for these services. 

It all started back in XX/XX/2017 I saw an ad on XXXX about opening an online store, I saw this and was encouraged thinking it would help pay the bills since I no longer have been able to hold down a job due to physical problems. I was contacted by several companies but, One of the companies I paid in all this fiasco was XXXX XXXX XXXX the representative who contacted me seemed so genuine at the time and was very compelling, he made it seem so easy and that I could greatly profit from this investment. Even though I expressed not having much knowledge to all this, he persuaded me and agreed to set it all up for me and I would not have to do much. He talked me into opening more credit cards to pay for all this. It didnt take long once they got my money for him to desert me. I didnt realize it then, but I was taken advantage of because I was an easy target, gullible and a XXXX-year-old woman that just coIt alluldnt remember anymore as well as they did. Today I am in serious financial difficulty for trusting this person to the point that I might have to file bankruptcy. Please help me get my money back.

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 2018-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for 5/3 bank from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to 5/3 overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding 5/3 unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called 5/3 on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to XXXX XXXX XXXX they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and XXXX XXXX XXXX   probably bought it from them. XXXX XXXX XXXX said they don't buy debt and they are collecting for 5/3. 5/3 said my checking account was part of the settlement and XXXX XXXX XXXX  should not be collecting for 5/3 since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks

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 2021-07-17
Company: Paypal Holdings, Inc
State: LA
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:
I made a purchase via my paypal account ( XX/XX/21 ) via an unknown merchant for cloth masks. Upon the merchant routing me to my paypal account I was offered to have payment from debit card ending in XXXX On XX/XX/21 checked my email and discovered that my XXXX XXXX XXXX account was charged an overdraft and upon review of my account, it was paypal. I immediately contacted paypal and while waiting for an agent, tried to inform them online that the paypal check out made a mistake. I spoke with an agent and he stated that he started a claim and gave me a {$20.00} credit for my inconvenience. Next day, I discovered that the merchant was contacted and was asked to " return '' the funds. I called paypal to inquire as to " why '' was the merchant involved in this matter when it still had the funds on the card ending in XXXX The agent stated that the only way they could get the funds back to my checking account was to get from merchant and then pay him from the debit card on file. I spoke with another agent yesterday XX/XX/21 and was told that the merchant would not be paid from the card. i informed all reps from paypal that the situtation was not the merchant or my fault but paypal 's and they should " own '' it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
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: Account status incorrect

Complaint:
I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.

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 2021-07-17
Company: National Credit Adjusters, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2021 i received an alert by phone from CRA XXXX XXXX  and XXXX  that NATIONAL CREDIT ADJUST reported i opened and account with a balance of {$1600.00}, i have no idea who that is, so i called the number that was listed on my credit report and it rang and rang. 

this is fraud or identity theft, i've never done business or signed any contracts with this company and never gave this company access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have made payments on this account consistently with a program called interest rate reduction. On XXXX started paying XXXX. I was told about a co-signer release upon making payments which I have consecutively and have proof, they not only disqualified me for interest rate program they know wont let me release my co-signer. And my payment went from XXXX XXXX to XXXX XXXX. No explaination just whats due and due date??? Since XXXX I have paid almost XXXX $ and have got no where and they wont work with or release my co-signer which is my XXXX XXXX and help me they just keep increasing and adding XXXX $ in interest for the last 7 years and I cant get anywhere with none of my loans as Navient. I am being taking advantage of someone who is tryin to make payments and be current and they have no options available to me and single full time working mother, that didnt graduate because of medical condition when I left college in 2009 and never graduated, burden of trying to make ends meet. This is the only loan I have really looked at concerning the lower payment and co-signer release. I was promised time and time when entering automatic payment withdrawal over XXXX months I would be able to release my co-signer, every time they wouldnt do it and would lie and make excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2021-07-17
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the Equifax data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Sir or Madam, I have placed a credit score freeze on Experian. I need to temporarily left the freeze. 

To do so, Experian requires a pin that was given to me by mail a long time ago, which I could not locate. 

So, now, to retrieve my pin, Experian only provides website service or auto-phone service. I have tried numerous of times to retrieve my pin as instructed by Experian. Each time, I was asked to mail my ID, social security card, and proof of address to Experian designated address. I did so accordingly by XXXX XXXX mail. 

Now, a couple months have passed, I have not received Experian 's response in mail. Again, I tried Experian website and phone number it provides to consumers/customers. All I got is the same automatic instruction to mail in the same required documents to the same address again and again. 

There are many aspects of life need my credit score be checked. Household needs, /living needs /children needs, the problem faced by Experian became such an obstacle to my life.

There seemed to have no other way to get this issue resolved. Problem persists. Life is heavily impacted without hope of seeing it be changed due to this problem. 

Experian could not hold such a position to hurt a normal people 's liberty and life needs. Thus, I'm filing this compliant after I tried all the attempts that Experian offers to consumers/customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I dropped my card on the way out going to work. I never noticed it was gone until some time later. I only found out it was stolen because my roommate was bragging to a mutual friend about how she stole it. Soon after I noticed the card was missing and charges were being made the same day. I called Capital Bank and spoke with a representative. I told them what happened and that I wanted to close the account and start a new account because someone had stolen my card. They agreed to close the account and said they would remove the account from my credit report. Since then they only removed the account from collections but they are still reporting late payments each month since the incident. Every time I call they tell me they are working on removing it but its now been reporting late payments going on two years. I have written letters and sent in disputes. Its just not right to do a loyal consumer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: AmeriCollect
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:
Ive had health insurance at the time most of these medical bills were collected towards debt. 


AmeriCollect ( XXXX ) * XX/XX/XXXX> XXXX XXXX XXXX- {$650.00} * XX/XX/XXXX> XXXX XXXX XXXX- {$430.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Months after I closed my XXXX account last XX/XX/2017, i started getting a {$60.00} bill from XXXX. The bill has no detail. It just says that I owe {$60.00}. They send me the bill by mail and email. I called and and they weren't able to find the account number listed on the bill. They weren't able to tell me anything about the {$60.00} charge. I responded to their email and they never wrote me back. I keep getting the bills every month. I called them a few more times. Same result. Now I'm getting notices from a bill collection agency. Instead of {$60.00}, they are asking for {$160.00}.

Company response to consumer: Closed with explanation