BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my 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 non-monetary relief
Consumer complaint received 2022-12-05
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: Account information incorrect

Complaint:
XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX when I moved to XXXX  from XXXXdue to my job I bought a house, right after I applied for a mortgage a debt appeared on my credit report from an emergency in XXXX, which was paid fully ( I have a good insurance and made all my o-pays etc ... ) nonethe less since I was in middle of buying a house my mortgage company sent a check to phoenix financial and added it to my mortgage and I was OK with that as moving was complicated enough and I did not want to deal with things. 
Now I am refinancing my house same company Phoenix Financial appeared on my credt report 2 days after my refinance application. They stated a debt from XXXX ( 7 yeats ago ) this time I called asked for original invoice from medical group they said they will provide it if I give my ss number and I ewas XXXX  to provide the number, they sent me an invoice with their name. The credit report stated XXXX XXXX XXXX XXXX. So I tried to call them but they do not exist, none of the accounting office could verify I had a debt. I disputed to charges, still under investigation but when investigation started Phoenix Financial changed the name of creditor from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX, which also does not exist. And they changed type of debt from attorney fees to medical In the mean time my credit score went down, my refiance terms tuned out to be worse than my original finance and Phoenix financial refuses to provide the references regarding original debt, if I have that I can go through my health insurance statements and see what is going on. 
Can you please help, I am a har working single XXXX year old voman, lost my fiance two years ago and am trying to go on with rest of my life. Phoenix fiancial already has taken XXXX dollars and something during my last home purchase and they are just preying on my situation. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
i had unauthorize purchase made on my BANK OF AMERICA EDD PREPAID CARD, as soon as i found out about this, ,i contacted the bank, file the claim back in XX/XX/2021,,, the claim i file was for {$1600.00}, ,but the person who took my claim file it for {$14000.00} wich i call them an reported the error,,, well aperantly my claim got decline for thtat amount, so i have to re summit the claim with the right amount an basicaly they bein having me call evry week an file it again an again, ,an they still have not giving me the money that it was taken from me... just like it was me who bein callin them an reporting the unauthorize purchases on my card.but is like they bein making me go thru loops, ,an id gotten me nowhere with this people, ,i read on the their policy about tempory credit an in have not bein treated fair, ,i bein victimized by the person or persons who use my card an bein victimize by bank of america who has not invistigate my claim an living me with zero,, with no money an bein unemplyed cause of covid..

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 2020-07-14
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: Investigation took more than 30 days

Complaint:
For several months I have submitted dispute request via certified mail to Experian along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. 

XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as requested but instead on XX/XX/2020 did receive an email from Experian advising a new dispute had been open yet failing to provide procedural proof of names, telephone numbers, names etc of all who have furnished this detailed information as my rights have outlined.

I have grown increasingly tired of the scripted emails and stall tactics from Experian!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.

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 2023-03-21
Company: Experian Information Solutions 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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:
My identity was stolen. I submitted affidavits to Experian. They blocked the item from my report. Nearly 2 years later they reinserted the information. I have sent multiple affidavits to Experian as they claim they did not receive.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-01-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted XXXX  because I am looking for a house to move into. I sent my contact information through their site. I later received a text from a gentleman who claimed to be the owner of the property. When I arrived at the location, I had to go through extra security steps to open up the lock box to obtain the key. I went through rently.com. After viewing the property I was asked to submit a rental application which I did. I then signed a lease agreement, paid a deposit of {$830.00} and was advised to take the key as I would be paying my first rent payment XX/XX/21 to move in which would be an additional {$1000.00}. I was contacted later on that down by the real realtor of the property who informed I had been scammed. I tried to dispute with XXXX as I have proof of everything but they are not willing to credit me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SLM CORPORATION
State: NC
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:
Dispute : XX/XX/XXXX, XXXX {$640.00} and XX/XX/XXXX, XXXX {$590.00} I am writing to request for Sallie Mae to stop reporting the balance of {$1200.00} and any associated interest charges, and late fees that Sallie Mae continues adding and reporting to the consumer agencies immediately. Sallie Mae stated that they are not able to verify my claim regarding my dog 's burn injuries and, therefore, are unable to initiate a chargeback. Sallie Mae also stated that I must provide the decision from the XXXX  XXXX XXXX XXXX to confirm my claims. Please find attached a letter of Reprimand for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX received today. The members of the XXXX found that the veterinarian in question had violated N.C. Veterinary Practice Act and Board Rules, the Board agreed that the injuries my dog sustained are burn injuries and these injuries were caused by merchant negligence. A civil monetary penalty was also imposed. This letter will also be a public record and will be available to view on https : XXXX XXXX 
I am asking immediately to stop reporting the balance of {$1200.00} to the consumer agencies and adjust the balance accordingly. Sallie Mae was also adding interest charges and excessive late fees. Instead of a {$25.00} late fee, they started to add a {$39.00} late fee and added interest charges on 15 months with 0 % APR as per the agreement. 
Sallie Mae 's incorrect reporting caused significant damage to my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) Sallie Mae is liable for these damages for negligent and willful noncompliance with the law by reporting incorrect balance.

Sallie Mae also started to harass me even after I emailed them cease and desist email and asked twice not to call me on the recorded line. The complaint about harassment with relevant documents will be filed separately. 
Attachments : Sallie Mae 's statement for XXXX, XXXX, and XXXX shows late fees, interest fees, and the charges for {$590.00} and {$640.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 Invoice from merchant dated XX/XX/2022 for the amount of {$640.00} and invoice for XX/XX/XXXX XXXX for the amount of {$590.00} As the merchant did not provide services as agreed and Sallie Mae failed properly to investigate my dispute, I am not responsible for these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Used PayPal to purchase concert tickets from someone on XX/XX/2019 ( paypal email contact XXXX ). I sent this person {$70.00}. He then did not send me the tickets, but continued trying to get me to send him money. Paypal will not allow me to file a dispute because this was considered a " personal '' transaction, not a transaction with a vendor. They said my only option is to request a refund, but this man is not going to give me a refund because this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The BarclaycardUS has a technical issue with scheduling repeat/auto payments online. On XX/XX/XXXX, I called a customer service agent and she had to schedule repeat payments for me over the phone because I couldn't do it from their desktop app ( didn't work ) and their mobile app doesn't have the feature. I got an email confirmation about the repeat payment being set for the next billing cycle. 

The next due date was on XX/XX/2020. BarclaycardUS didn't  pull the payment as scheduled from my checking account and charged me a late fee. I got on the phone with customer service, and the agent in charge immediately asked me to check with my bank. I asked her why would I need to do that, if I was sure that my bank had the money available and Barclays gave me a confirmation that they would pull the payment, she immediately changed her statement to say, it took two billing cycles for repeat payments to be effective to which I said that I needed to see where that information was posted because that was not my experience with previous Barclays repeat payments I set up myself or any other bank or service I have set up auto payments for, the information wasn't also communicated to me over the phone when I spoke to the agent to set up the repeat payments and it wasn't on the confirmation email, I requested to speak to a manager. The manager admitted there's no such policy, so basically this bank has employees trying to disregard people who need help, going as far as making up lies. The manager offered a {$25.00} credit that was immediately posted to my account, offered to waive the late fee, but it has been now more than 3 business days and it hasn't been waived and told me she would create an IT ticket to request my payment to be made effective. After 4 days of my payment being late, I decided to cancel the automatic payments altogether and make the payment myself manually, because I do not want to risk the bank reporting a late payment that wasn't my fault. I'm not describing the entirety of the conversation I had with the employee who lied to me, because it would take too long, this person lied several times, trying to basically get rid of me, and wouldn't pass me on to a manager immediately, I had to mention it several times. This bank wasted an entire hour of my time, and the situation was not entirely resolved. After all of this, all I got was a {$25.00} credit because the late payment fee hasn't been waived, the automatic payment wasn't pulled, and their website still doesn't work correctly. I had to clear cache and cookies and even after doing that it wouldn't work, the only way I discovered that I could schedule the repeat payments on my own was through incognito mode.

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 2017-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have information on my credit report that keep reappearing after it has been disputed and deleted. The first collection has been deleted twice and re-added and is not mines. The XXXX accounts are not charge off and was deleted from my report six month ago. I have XXXX for all these debts. 

1. XXXX XXXX {$54.00} - Not my mines account was deleted twice from report and just re-added. 
2. XXXX {$51000.00} - Paid Off 3. XXXX XXXX - {$10000.00}, have XXXX should be deleted from report. 
4. XXXX XXXX - {$7600.00}, have XXXX should be deleted from report. 
5. XXXX XXXX - {$1500.00} - Not my mines account was deleted twice from report and just re-added. 
6. XXXX XXXX XXXX - {$3000.00} - Not my mines account was deleted twice from report and just re-added. 
7. XXXX XXXX XXXX - {$27000.00} - account paid off. 
8. XXXX - {$31000.00} - account is paid off and was showing paid off last month in good standing. 

10. An address I never lived at was added. XXXX XXXX XXXX XXXX XXXX. This is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call and call almost daily ... .leaving no messages. I block the number and then they use another number. I researched them and they have lawsuits against them in other states. I am debt free and owe no money. They are calling for another person and are harassing me continually. I told them no such person lives at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: American Coradius International LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
The company American Coradius International LLC is charging me the following amount : {$1500.00} They said that is from XXXX. But I haven't use this account to make this kind of purchases. I don't understand. It's very confusing. Because they don't specify the reason for owing this amount money. 

Date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested Experian to fix this issue several times and they continue to ignore my request. These inaccurate reports are damaging my credit score that is extremely stressful, embarrassing, and this is causing financial harm to me and my family. Even if I have been disputing these accounts since XXXX and they do not care to continue to report the way they wanted it to not following my FCRA right. The items I have identified are : XXXX XXXX XXXX. First Reported date was changed from XX/XX/XXXX after dispute they reported XX/XX/XXXX how are they still changing, they never performed a full investigation. 
2. Credit limit not reported - missing incomplete 3. Terms, not reported- missing incomplete 4.  Inaccurate high balance- only balance listed is XXXX 5. Date scheduled to keep on record was changed.. they 1st said that the account SOL is on XX/XX/XXXX after dispute they changed it to XX/XX/XXXX. 
6. How can I verify the SOL of the account if only one information provided on the payment history. 
US DEPT ED- XXXX 1. The tax return was garnished to pay this debt. why is it not reflecting? Reporting inaccurately XXXX XXXX 1. Incomplete reporting. The payments from XXXX, XXXX, and XXXX of XXXX are missing. This is score manipulation because there were on-time payments being omitted. This omission of fact is a violation. 
2. The date of payment received is updated BUT there is an " ND '' listed in that field instead of figured. 
I am requesting that this item be deleted in order to adequately reflect my true credit history.

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