BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: UT
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 reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that XXXX fixes this issue as it is affecting my credit file.

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 2019-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
BOA charges fees for their own personal gain. I had a small balance in my checking account after I went into the banking center to purchase a cashiers check with the funds I had in my checking account. The small balance was enough to leave in my account until my next payroll deposit. By the next business day I get an email from BOA stating that my account was overdrawn. I have a membership with XXXX XXXX and XXXX. Both will bill me monthly via my debit card. Both charges should have been declined via my debit card since there was not enough to cover the charges. So what BOA did was allowed both charges to go through, and they charged my account nsf fees and then they charged me extended overdrawn fees as well. I called BOA spoke to a supervisor who told me it was perfectly legal and if I did not like it I could file a complaint and I could take my business to another bank ... .when I asked for them to send me this in writing they told me that they do not have to, but if I want to I could XXXX it. She also told me that supervisors calls are not recorded. I would like to start a class action law suit ... .please assist me with who do I need to contact to do so ... ..I also want assistance in getting the fees reversed on my account. Please help me. BOA should not be allowed to treat their customers this way

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I contacted Midland Credit Management concerning four debts I have with creditors in an attempt to resolve the debt. At this time, I spoke with XXXX, a representative of the debt collections agency. XXXX informed me during this recorded call ( recorded by agency ), that all four debts were grouped together under one case #, XXXXXXXXXXXXXXXX, and the total amount of the debts were {$10000.00}. ( Per documentation sent to me following this call, the " principal '' amount of the accounts were {$7100.00} ). In addition, XXXX informed me that on the scheduled court date, which was XX/XX/2019, said proceedings will include all four debts ( accounts ). During the court proceeding with a legal representative for Midland, a settlement agreement was made, wherein I agreed to pay a total of {$4200.00} to settle the four debts no later than XX/XX/2019. However, Midland is currently refusing to acknowledge the settlement agreement. They are claiming that the court proceedings, and settlement agreement only included three accounts, not all four accounts. As previously stated, I was informed by XXXX that the case being heard, or discussed in court on XX/XX/2019 included all four accounts. With that being said, Midland is attempting to collect on a debt that has already been agreed upon in a settlement agreement that was established during a court proceeding. Midland is in direct violation of The Fair Credit Collections Act, Section 807 ( 2a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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:
After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the TXXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX balance due indicated. 

My XXXX  XXXX XXXX account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from XXXX  XXXX XXXX. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by Transunion, XXXX  & XXXX  that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX  XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX ( prompt XXXX w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt XXXX w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my Transunion, XXXX  & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/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 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XX/XX/2018 I used points to redeem a credit on my Capital One credit card to get ahead of my balance. Once I did this Capital One took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but Capital One refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with Capital One, XXXX, XXXX and a complaint to the XXXX. Capital One has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. Capital One needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with American Express that I fell behind on payments due to a financial hardship. The account is now closed and sent to a third party collection agency. I have tried resolving the balance by contacting American Express and they have told me that the account is no longer with them and will not accept my settlement. However, they are still reporting to the credit bureaus that my account is delinquent every month even though they no longer have the account for me to pay. The Fair Credit Reporting Act states that credit companies can not ding my account every month for a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a payment plan worked out with the debt collector, the Law Offices of Edwin Perry. I was to pay {$75.00} a month for 10 months beginning XX/XX/XXXX. When I set up the arrangement I let the person who called know that my husband is in XXXX  and at the time we had not yet been approved for SSI, so we did not have any income coming in because I couldnt find work due to Covid and we were waiting for our tax returns. He called today to let me know I missed my payment date and I told him I hadnt received my taxes yet but my husbands SSI check would be here on the XXXX XXXX so if we could change the payment date to the XXXX I could make that payment. He told me since the payment was missed he couldnt change the date and they would now have to proceed with legal means. I think its absurd they are not willing to work with people, especially during the pandemic. I didnt refuse to pay, I just simply told them the day I would be able to pay

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Affirm Holdings, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I purchased airline tickets through company affirm with 3rd party XXXX canceled flights immediately money has been refunded for about 1month and they are still falsely reporting that I owe them money over XXXX $ I've called multiple times they tell me that it will take 3-5 business days since XXXX and still haven't refunded the monies to my account in result my credit score and other things are being affected please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PayPal has received refunds from XXXX for the returns I have made, and refuses to send the refunds to my XXXX XXXX XXXX XXXX MasterCard which I used to pay for my purchases from XXXX through PayPal. Instead, PayPal has put the three refunds for the total amount of {$210.00} into their bogus " Balance '' account and is trying to force me to take one of their debit cards with that amount on it as my only option to access my refunds. It is my money, but PayPal is sitting on it and is dictating how I should use those refunds. PayPal offers no option to request a transfer of that bogus " Balance '' back to my credit card which they should have done in the first place according to their own stated policy.

Today I wasted over 4 hours online on their Chat board trying to fix this issue, but they kept changing their agents every few minutes and kept giving bogus arguments as to why the refunds belong to PayPal and not me -- they repeatedly said the funds used to pay for the purchases came from the Balance account and not my credit card, which is totally false. Even if they came from " Balance '' account, what was the source of the funds in the " Balance '' in the first place if not from my previous transactions with my credit cards? This is the question they refused to answer every time and the  agents kept disappearing instead of answering this simple question. I have used this new credit card 13 times over the last two months to make purchase from XXXX through PayPal, and XXXX has processed 24 transactions for these purchases ( XXXX breaks purchases into separate shipments and charges my card for individual shipments on their own ) and the total of their charges on my card is {$2400.00} which exactly matches the total sum of my orders, indicating that every single XXXX for these purchases came from my credit card -- not a single XXXX came from PayPal 's bogus " Balance '' account. This is just a big new scam by PayPal. 

It is worth mentioning that I have no other financial relationship with PayPal -- I have no PayPal debit or credit cards, nor had I had any in the past. Every single transaction I have had with PayPal since PayPal was created has been through my own credit cards and bank accounts. Moreover, I have had many refunds from XXXX through PayPal in recent times, but now PayPal has started to play games with my refunds.

I would attach four photos I have taken of the PayPal webpage to document the refund transactions in dispute.

The attached photos indicate the date, amount and the transaction IDs for the refunds and what PayPal did with those refunds. PayPal should have no problem in identifying my account and spotting these transactions. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Phoenix Financial Services LLC
State: VA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called and sent several dispute letters and a debt validation letter and I have not received anything back in reference to this account. When i call they tell me they dont have any information about this account but its still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Experian Information Solutions Inc.
State: WI
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 XXXX Payment Status : Paid Balance : {$990.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX BALANCE IS INCORRECT

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 2018-04-18
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
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: Information belongs to someone else

Complaint:
XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.

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 2020-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-08-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Recently I looked at a copy of my credit report and noticed so many inaccurate information being reported. I feel these inaccurate information WITH REGARDS TO MY NAME ON MY CONSUMER CREDIT PROFILE AND THIS IS adversely affecting my credit report and costing me thousands of dollars in interest every year. I requested an investigation into the inaccurate information on my credit report by writing a letter to XXXX. it has been over 60 days since i requested for an investigation and a deletion of this inaccurate information but equifax has refused to respond to me and continue to violate my rights under the FRCA guidelines. 

THIS ADDRESS IS INACCURATE. IT IS NOT MY PRESENT ADDRESS NOR IS IT MY PREVIOUS ADDRESS. DELETE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTACHED IS MY MOTOR INSURANCE CARD WITH MY PRESENT ADDRESS ON IT. 
NOTE : PRESENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with Citi card in 2017 by telephone. The account was not closed and the only charge after the date when I closed the account was an annual fee ( {$60.00} ) from XXXX. I was then charged {$210.00} in late fees and {$11.00} in interest. I did not receive any statements from the bank after I closed the account. It was sent to a debt collector and I could not receive any help with statements or resolving the problem. I paid the debt collector and reported the program to the Office of the President at Citibank. They denied me repayment of these fees because they could not find proof of the account being closed. ( It was closed over the telephone. ) I explained that I had no late payments and no other charges which substantiated my claim that I had closed the account and was not aware of the late charges accruing until I received notice from the debt collector. I understand this is becoming a new area of consumer fraud perpetrated by the banks. I believe that Citi should reimburse me for fees incurred after the account was closed.

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