BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX Is citation number I found out that I had a ticket years ago for riding a bike on wrong side walk but really I just was unlocking bike and cop illegally searched me I asked why and got that ticket which I thought was payed off using XXXX program which I wanted to fight but I was poor at the time. since then I obtained license there was no Holds and I never received notice or anything that I still owed anything and GC services took my tax refund without notifying me at all not one notice not one call not one letter and I honestly feel like they should have let me know some kind of way in advance instead of intercepting my tax return which in my opinion is the equivalent to a bully taking your lunch money everybody please move out of California you dont have to put up with this and they took my whole refund and I didnt even owe that much on the ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I saw on my TransUnion credit report that I had an account with XXXX XXXX XXXX but I never opened one. After submitting a dispute through TransUnion, I informed XXXX XXXX XXXX about this situation where this account is not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. After 10 days of not hearing back from them, they emailed me saying my ticket has been resolved. But upon checking my TransUnion credit history, the balance on the account that is not mine increased and my credit score was negatively impacted.

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 2021-04-27
Company: Vital Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke with a representative, as well as two managers on XX/XX/27 regarding a possible settlement offer. The agency attempted to collect more than the minimum amount needed to settle the account. I was told {$580.00} would be the minimum to settle. I was also given a minimum amount of {$680.00}. When I brought it to the representative attention, they refused to acknowledge what was told to me even though they seen it in the notes. Also, I was harassed by XXXX XXXX, a supervisor with your company. Her professionalism was at a zero. She advised me that the company would refuse to accept money. I advised here that any amount of money would be better than not receiving anything, and she told me that its not true. I told her that I was dissatisfied with her customer service, and she advised me that this is collections. I felt threatened, and harrissed by her attitude. Im more then positive that her behavior does not represent Vital Recovery business model. That type of behavior is costing your company money, and putting your company at risk of lawsuits due to violating debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a lease with Hyundai Capital America. I turned in the car without any issue/ late payments etc. I dropped the car off and that was the end. Hyundai said they sent one letter that had a final payment of {$450.00} excise tax and {$250.00} drop off fee but I never received this and they never attempted to contact me. When I started my credit report is where I noticed it said {$700.00} WRITE OFF / CHARGE off so I called to inquire about this and why they didnt tell me. I paid off the {$700.00} immediately and I submitted to the credit bureaus the dispute with the paperwork showing this is paid. I called HYUNDAI several times to adjust the negative comment on my credit report and they say they listed it as PAID but they can not remove the WRITE Off/ CHARGE off amount that is still negatively affecting my credit score as I want to purchase a home. I have called Hyundai and Written them along with disputing thru the credit bureas but this is still showing up negatively on my credit report and its not fair.

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 2019-10-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a member of Wells Fargo for over 10 years, I had a credit card that was placed in collection since I was running late with payments due to change of jobs. I was a credit card of {$300.00} dollars. I called to negotiate the amount and I was able to settled for {$230.00} now balance is XXXX. I called the other day to send them a " Goodwill letter '' and have this account removed from credit report. They say NO, since the account was settled at $ 60 % of the original balance. They say that I still have a balance. I told them that my balance was XXXX, and that was unfair. They are not able to negotiate with me and in the other hand they are highly hurting 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 2018-04-05
Company: EQUIFAX, INC.
State: NV
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 opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has had my money, {$1600.00}, transacted on XX/XX/XXXX at XXXX XXXX EDT and electronically transferred from my bank to PayPal on XX/XX/XXXX in order to complete a transaction PayPal informed me would be completed on XXXX XXXX for XXXX XXXX tickets for the XX/XX/XXXX game. The payment never reached the seller ( still hasn't as of today, XX/XX/XXXX at XXXX ). Today, PayPal ( manager named XXXX ) informed me they didn't have to complete the transaction until XX/XX/XXXX now. PayPal has the money and is profiting off my " interest free loan '' at my expense. The money will need to be transferred back to me since the tickets were never sent to me. However, PayPal refuses. Please investigate PayPal 's abuse of holding people 's money many days after they receive it and advertised completed transaction in order to increase their " banking '' profits with " interest free loans '' from customers without their agreement and at the customers ' expense.

Of note, the seller and I have repeatedly called PayPal to cancel the transaction but PayPal states it is not possible ... can only go through a process after the money is sent to the seller ... now expected 10 days from initial transaction and 7 days since money sent to PayPal by my bank, XXXX XXXX XXXX XXXX! 

PayPal Tranaction ID : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX -> I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
2018 plaza services. 5 years and 1 month old, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, says i owe XXXX $ and have no remembrance of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Rubin & Debski, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX Debski & Associates PA XXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of MrXXXX XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: NE
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:
Hello, My name is XXXX XXXX and I called and submitted a fraud alert with Experian back in XX/XX/2020. My rights under the FCRA was violated under 15 USC 1681C2. There was 19 inquiries involved within this fraud that Experian allowed to report on my credit report. I did not consent to any of these transactions to report nor did I benefit from them reporting. Experian removed all 19 of these accounts after their investigation which from my understanding is admission to me being violated under FCRA and according to civil liability in FCRA in pursuant to 15 U.S. Code 1681n they must be held accountable. I am seeking justice to be served.

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 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have filed a police report and submitted it to Bank of America but still have not received my funds. This is my second time contacting the CFPB and the first time you didn't do anything to help me get my funds back. I reached out to XXXX XXXX 4 times and no response then they say their investigation is concluded without speaking to me. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.

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 2019-02-21
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to PNC Mortgage on XX/XX/19 to inquire about my escrow statement, and I believe they are in violation of RESPA. RESPA states that PNC can not collect more than one sixth of my annual escrow amount to hold as a cushion. My taxes this year were {$7900.00} and my insurance was {$970.00} ( {$8900.00} total ). We will have {$2000.00} in escrow after the XX/XX/XXXX payment. Our escrow is increasing to $ XXXX/month and they have also told us we have to pay a shortage of {$960.00}. The total for the next 12 months with these figures is {$11000.00}. That is an overage of {$2900.00} when our escrow payment is now {$740.00} ( 4 times the monthly escrow amount ). 

I'd like to confirm this is, in fact, a RESPA violation, and what recourse we have. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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:
I am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information and have failed to perform a proper investigation. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 


1. Negative monthly activity reporting after the account was charged off in XX/XX/XXXX is a violation 2. It reports the Charge Off was in XX/XX/XXXX which means " Account Closed but also shows a closing date in XX/XX/XXXX. An account can not have 2 closing dates. 
3. It also states this account was sold to another Lender but never reported who the the new lender is in my credit file. That is a violation. 
4. Experian claims to have certified this on XX/XX/XXXX as being accurate but they have XX/XX/XXXX listed in the " Status Updated '' area which further confirms they DID NOT perform an actual investigation on this account 5. I have repeatedly requested the Method of Verification used and to date no information has been sent to me via mail or email. 

All of these errors are being done and they have refused to remove the account as requested due to inaccurate reporting.

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 2019-02-21
Company: EQUIFAX, 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:
I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
On or about XX/XX/, 2018, I contacted Synchrony Bank ( XXXX XXXX XXXX ) to dispute a fraudulent charge on XX/XX/ 2018 of {$130.00} on my account. I was told that they would complete an investigation, share the results with me and resolve the issue. This has not been accomplished. As they have not removed the charge completely they continue to add late fees and interest on a balance I do not owe. In addition, they have erroneously and incorrectly reported negative information to the Credit Reporting Agencies. The has had an adverse effect on my otherwise impeccable credit history including that of many years with Synchrony Bank. I have a stack of documents, many of them contradictory at best. I was assured that they would correct this but as of this date, some 7 months later, it has not been done as promised. I have been in contact with XXXX  but have not received any type of documents indicating an investigation had been completed. I would request that my balance is corrected to the factual {$0.00}. In addition, I request that the false, negative information reported to the Credit Reporting Agencies be removed and my credit score returned to the perfect state it was in on XX/XX/ 2018.

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 2018-04-10
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.

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