BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: WA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.

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 2021-03-05
Company: Diversified Adjustment Service, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2021 I called DIVERSIFIED ADJ SVC at XXXX around XXXX My call was to settle a debt that I did not know I owed. 

The person I spoke to verified my information and pulled up my collection. 
I told them I wanted to settle with a pay to delete agreement. 
That's when this guy got loud, hateful and wouldn't let me talk. 
He kept repeating that I will not receive anything from them that has my balance or an agreement to pay to delete. They will only take full payment today without anything stating I owe the debt. Then he starts calling me a liar and saying I am, in his words " XXXX XXXX XXXX '' then hangs up on me after I cut him off from this very aggressive conversation that he turned it into and said " how am I XXXX XXXX XXXX, I didn't even know I had this debt '' he hung up on me. 

I called back and spoke to another person who refused to let me talk and then started asking for my attorney information. I disconnected the call at that moment. 

I was simply trying to pay a debt with an agreement in some type of writing with my balance I owe ( not paid ) and that when it is paid the debt will either be removed or updated with a XXXX balance. 

Debt collectors like this makes it hard for people to get out of debt. They only want to bully us and when they don't get their way the get rude and hang up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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:
Under Fair Credit Reporting Act section 611 ( 15 USC 16811 ) I am allowed to ask that disputes be removed. Mortgage companies deny loans and disputes put on there in error can be removed. I have tried for 3 months to get Experian to remove disputes made in error - each time I call, write, fax, a new dispute is opened which hurts me more. 

Each time I am told they will handle it they open yet another dispute ( see attached ). 
it is a cycle and it just adds to the problem. 

XXXX had no issue with doing this and took the comments off the report. 

Experian continues to send my inquiries by telephone or letter or fax to the dispute center and open yet another dispute. 

( see attached )

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 2017-12-06
Company: PDQ Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}

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 2021-03-02
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a debt validation letter to Santander Consumer USA. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) sued me for breach of contract in XX/XX/XXXX. On XX/XX/XXXX, they filed a Motion for Summary Judgment with an attached " Affidavit and Verification of Account '' to support their claim. The Affidavit was signed by XXXX XXXX, a supposed " Legal Case Manager '' with Transworld Systems Inc., a subserver of XXXX hired by XXXX XXXX in XX/XX/XXXX to service XXXX loans. 

Following a brief inquiry into XXXX XXXX, I can across four ( 4 ) different signatures on four ( 4 ) different affidavits filed in similar lawsuits ( see attached ). 

Because XXXX is unable to prove they are actually the owner of my loan or any of the other loans they sue to collect, they rely on these affidavits to bolster their claims. However, the affidavits are a fraud. These sort of deceptive and illegal practices are harming tens of thousands of current and former students across the country and it must be stopped. 

Finally, the documents to which XXXX XXXX attests were not even created by XXXXansworld Systems. Rather, they were created by XXXX XXXX XXXX over 5 years before coming into the possession of Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Kay Jewelers/ XXXX is reporting the same late payment twice on my credit report to XXXX . I have tried twice to have the duplicate late payment report removed. I filed an electronic dispute through XXXX dispute center that was unsuccessful. I was informed the information was correct and would remain unchanged even though within the dispute I acknowledged the information was correct however that it was a duplicate report. I attempted once more in writing to both XXXX and to the Kay Jewelers to have the duplicate removed from my credit report and was once more unsuccessful. I was informed that only the information would be updated which was also incorrect due to my Kays card being closed in XXXX and now it shows that I had an open account with them all of XXXX which is inaccurate. Please help me correct these mistakes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DATE : XX/XX/XXXXXXXX TO : FAY SERVICING , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX Please accept this letter under RESPA and/ or TILA. 

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

My account was charged a total of {$610.00} on XX/XX/XXXX that were applied toXX/XX/XXXX for fees in relation to XXXX XXXX XXXX ( attorney fees {$300.00}, {$240.00} publication cost, and sales cost {$75.00} ), in connection with a wrongful foreclosure, upon investigation XXXX XXXX XXXX stated in written and verbal response that their firm did not publish anything related to my property after XX/XX/XXXX my file was closed on XX/XX/XXXX, and my home was never sold. XXXX waived these fees onXX/XX/XXXX along with ( 2 ) two property inspection fees of {$15.00} each ( see attachment ). Please waive these bogus fees, or produce itemized invoice documentation! Accounting irregularities have existed for quite sometime now, hopefully your company can investigate and fix these errors along with others. ***Note there a difference of {$1000.00} in XXXX XXXX XXXX XXXX totals! 

P.S. Fee was not included in/ on FDCPA Validation Notice dated XX/XX/XXXX 

Thank you for your cooperation as we dont want to lose our home and this information will help us to save our home. 

If you need to contact me, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, AL XXXX. 



Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I purchased an airline ticket through XXXX for a flight to the XXXX. An authorization was placed for the full amount, XXXX through PayPal, reflected in my PayPal balance. 

On XX/XX/XXXX, I canceled the trip. As it was in the 24 hour period, it was canceled and I was told I would be refunded/not charged via XXXX. This was confirmed via email. The authorization hold was instantly released, and my money was reflected to be back in my PayPal. 

On XX/XX/XXXX, after the authorization had already been canceled and the money had been refunded, I noticed a charge in my PayPal account in the full amount of the flight ( which had already been canceled and the authorization revoked. This was a brand new transaction ). I contacted PayPal via chat and was told that this would be refunded. The amounts were for {$370.00} from my PayPal balance and an attempted XXXX from my that did not go through. 

XX/XX/XXXX, my PayPal balance was refunded. 

XX/XX/XXXX, the airline attempted to collect the XXXX again. It was denied from my bank and instead created a negative balance in my PayPal balance of XXXX. Retrieval was attempted through my XXXX XXXX  account three times throughout the following week and I was told this would be the end of it. During this time, every time I attempted to contact PayPal or dispute the transaction that caused the negative balance, I was met with an error page each time that would not allow me to access the page. 

Days later, a payment I had received prior to the incident totaling XXXX posted, bringing down my PayPal negative balance to -XXXX. 

XX/XX/XXXX, XXXX was retrieved from my bank account without warning for this amount that had been unauthorized. 

XX/XX/XXXX, this amount posted, creating a surplus of XXXX in my PayPal account. Again, any attempt to collect on this amount created an error. I was not allowed to touch or access my money, as my methods of withdrawal were denied and my account had been limited, meaning I could not use PayPal to pay online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In mid XX/XX/XXXX I've noticed that one of my Bank of America credit accounts has been removed from XXXX credit bureau. 
I contacted the bank, a case number XXXX for account ends with XXXX was opened. 

About a month later I got a letter with the result : during the investigation they found that account reports correctly to XXXX and XXXX bureaus, but it doesn't report to XXXX. 
I was told that in case I want that account to be reported to XXXX, I have to fax signed request and provide the account number, so I did on XX/XX/XXXX to a fax number : XXXX to attention of XXXX XXXX. 

Two weeks later, in XX/XX/XXXX I got a second letter with the same request and on XX/XX/XXXX I've sent another fax message with the same request to report my account to XXXX. ( attached ) A month later I called and asked about the status, but I was told the case is pending until XX/XX/XXXX and I have to wait. I've asked few more times to get a witten letter with the case status, and finally my request was accepted and at the end of XXXX I got the letter under another case ID ( attached ), but the letter gave me no information at all. 

When I called on XX/XX/XXXX, they refuse to discuss and told me the case is pending until XX/XX/XXXX and I have to wait. 

Today I was told that the case is pending until end of XXXX and I have to wait. 

The account is still missing from XX/XX/XXXXcredit report. 

Please advise. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Last week, I received a message when I tried to login to my Chase account online that told me my checking and savings accounts were being closed. I immediately called them and they confirmed they were closing my accounts, but they couldn't provide a reason why. I then went into the closest Chase branch ( where I had opened my accounts ), and tried to get my money out. The banker there told me she could not give me money. I had XXXX in my accounts, so this is not a small amount of money. She gave me the same number I had called before and told me to call them. They told me they are holding my funds while they investigate my accounts. I'm not sure why they even closed my accounts in the first place, but it is ridiculous that they can hold my money after they close them. I want a check mailed ASAP for the balance of my accounts so I can pay my bills. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion has refused any requests for disputed items on my credit report. See attached paperwork

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 2018-06-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This place XXXX XXXX XXXX  sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also. 

NOTE : I can't pick up phone while working, but can text me anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation