BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 PayPal closed my account stating that I violated their policy for some unknown reason. The customer service lady stated that they will hold my {$2000.00} for XXXX 180 days to make sure they didnt receive and charge backs and after that they will release my money to my bank account on file. So today is XX/XX/XXXX and I checked my balance and it was down to {$0.00} because they took my money on XX/XX/XXXX before the 180 day mark and that is fraud to me because that is not what I was told when they closed my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: GA
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 have contacted Experian several times in the effort to get the XXXX XXXX account removed from my credit file. This is account was opened fraudulently and I need your assistance in getting this account removed from my Experian 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 non-monetary relief
Consumer complaint received 2015-07-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Cap One Auto sent a letter in XXXX stating autopays will stop, even though there was still a balance owed. Account closed due to terms ending. I had pushed payments to the end of the loan due to Covid-19. I was told I had 2 extra months of payments, but Cap One said it was all due immediately and reported me late after the fact. And this is during a pandemic! This is not acceptable, false and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, this collections account was added to my credit report. I was not ever notified by ASSETCARE , LLC. This just appeared on my credit file in the amount of XXXX. The account listed is XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Assetcare LLC did not verify this debt but instead just put it on my credit report. This is clearly an abuse of collections tactics. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
Santander has reported information on all 3 credit reports that was supposed to be removed XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
all 3 bureaus have not updated my loan with XXXX I have a XXXX balance and its still shows the original balance

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 2020-05-16
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Doctor bills from XXXX due to XXXX XXXX Im not about to pay and the had XXXX for possible XXXX XXXX. 

I was also in the hospital XX/XX/XXXX thru XX/XX/XXXX for XXXX and Im not able to pay hospital bills.

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 2021-11-27
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented an apartment and once given access discovered that it was roach infested and covered in XXXX. I gave the apartment complex multiple chances to fix the situation and they did not. I filed with Chime bank to reverse the charge of {$1200.00} on my credit card for goods and services not as described. Chime failed to protect me under the consumer rights act. I have an auto immune disorder, I can not live in roach infestation and XXXX everywhere, nor should I suffer financial loss due to the apartment complex negligence. Chime should have protected me under the consumer rights act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-01-08
Company: PAY-O-MATIC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Sponsored XXXX XXXX XXXX. 
Upgrade to XXXX  RE : EMPLOYMENT CHECK XXXX. 
To XXXX & 20 more XX/XX/XXXX at XXXX XXXX  I am writing in regards that I received an check that was not cashable. Therefore, correcting the matters for future reference from reoccurrance. 

On XX/XX/XXXX, I received an check for the amount of {$390.00}, for the period beginning of XX/XX/XXXX and ending XX/XX/XXXX, check number XXXX issue to XXXX XXXX, Sales Associate ID : XXXX. 

The check that was issued to me had an issue at PAY-O-MATIC, loss and Prevention Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The Letter I received from Pay-O-Matic stated, " The following check was returned to us unpaid for the reason listed below. The items was cashed for value, in good faith, in due course and without notice of defect. 

Maker : A Division of The Department Return ID : XXXX Check # XXXX Return Reason : Stop payment- C Check Date : XX/XX/XXXX Returned Date : XX/XX/XXXX Check Amount : {$390.00} Returned Check Fee : {$30.00} Total Amount Due : {$420.00} We can not redeposit this item an require that you remit full payment to us in the amount of {$420.00}. '' I would like an full investigation on the matter investigated. This is not supposed to be happening. At this point this looks intentional and deliberate. 

Thank you for your time an consideration, it is greatly appreciated. If I can be of further assistance to this matter you can reach me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
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: Information is missing that should be on the report

Complaint:
I recently received my credit report from Equifax. Confirmation number XXXX. There is information missing from this report from when I filed bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX XXXX have been removed. The bankruptcy case number is XXXX. The property at XXXX XXXX XXXX TN XXXX was included when I filed. Someone is using my personal information to abuse my credit. There is an address listed that do n't belong to me. It is XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. I 've never lived in Michigan, nor have I ever visited there. XXXX-mortgage statements have been reported to IRS for XXXX XXXX XXXX. The loan number is XXXX. Their Federal Identification number is XXXX/address XXXX XXXX XXXX XXXX Kentucky XXXX. The loan I had with XXXX XXXX is not on this credit report, yet when I filed bankruptcy in XX/XX/XXXX loan number XXXX was in the court database base. The property was foreclosed on and sold to Tennessee Housing Authority. A XXXX was reported to IRS in XX/XX/XXXX. Someone reported The Department of labor Federal Identification to IRS. Rather than Tennessee Housing Federal Identification number. The deed number after the property was sold is XXXX. The property was sold in the amount of {$18000.00}. I was not involved with the transaction. I requested this information from XXXX XXXX XXXX County Register Office in XX/XX/XXXX. I pulled my transcripts from IRS, this is how I gained access to the number. There are medical accounts on the report that do not belong to me. Account # XXXX ( XXXX ) $ XXXX-XXXX XXXX XXXX. Account # XXXX ( XXXX XXXX ) {$42.00}. XXXX XXXX XXXX -Account number XXXX ( XXXX XXXX ) {$0.00}. XXXX XXXX XXXX -account # 's XXXX,XXXX,XXXX & XXXX is on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank blocked my checking account because of a fraud trigger caused by me trying to make my first XXXX transfer, and they want to verify me by a number that will match my name in public records. No, not the number that was fine when I opened the account. but there is no number in public records in my name. this is an absurd way of verifying and no other bank does this. 
Letting me open an account and depositing and then blocking me and keeping it from me is called a scam! 
I am not the only one with this complaint, I have read online TENS of such reviewis with this same issue - even with costumers as long as 20 years. 
This is absolutely ridiculous and not fair at all.

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 2020-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
BofA VISA # XXXX ( Stolen VISA CC Account Ending in XXXX ) My credit card was lost/stolen back when I was visiting XXXX, XXXX, XXXX. It had been used at a Jewelry store XXXX XXXX  XXXX  for the amount of {$9300.00}. A police report # XXXX - XXXX has been filed with XXXX XXXX XXXX # XXXX showing that the purchase was not made by me or anyone I know. Bank of America is refusing to reimburse for this fraudulent charge stating : " While you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' Please see the link below : XXXX XXXX XXXXXXXX # e-1 According to section ( f ) : " If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall : ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; '' Bank of America is refusing to provide me with documentary evidence on how they have been able to determine this transaction was not fraudulent. 

I, hereby, request Bank of America to either provide me with documentary evidence used to reach this decision in their investigation, or reimburse me for the fraudulent charge in the amount of {$9300.00}. 

According to law, I must not be held liable for any fraudulent charge reported promptly. I have provided BofA previously with a copy of the police report, as well as any additional documents I could get my hands on to show this charge was not made by me and is NOT authorized. Please assist. 

-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 2020-12-16
Company: Experian Information Solutions Inc.
State: DC
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:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2018-07-03
Company: Experian Information Solutions Inc.
State: NY
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 information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid

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 2021-11-04
Company: EQUIFAX, INC.
State: MI
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:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, XXXX ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: NJ
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 submitted my FTC complaint to Experian informing them of accounts that were not mine. Along with the FTC complaint I submitted supporting documents such as my ID and social. I have been informing Experian for months that they legally must remove the fraudulent accounts but they still continue to report the accounts. By law, I have the right to instruct what I want reporting on my consumer report 15 USC 1681b- permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other - ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
These accounts are NOT mine, they are fraudulent ( I have submitted multiple FTC reports ), and they must be removed from my credit report and file : XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian sent an update after I submitted my written request dated XX/XX/2021, with them updating information on the XXXX account ( XXXX ) but not deleting it. It is now reporting as a charge off. Experian is breaking the law and ignoring, 1. My FTC complaint 2. Furnishing a report without my written consent.

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 2021-11-04
Company: Village Capital & Investment LLC
State: CA
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:
My lender Village Capital accidentally transferred my mortgage to another servicer and reported it to XXXX. This caused the account to reflect as closed with a remark which in turn caused my credit to go down XXXX points. 
I reached out and on XXXX they advised the account was not closed and it would be corrected in 30-45 days. 
There was a correction made on the report, I got XXXX points back later that day. However, on XXXX, the score went down XXXX points due to a balance decrease, account closed and another remark. On XX/XX/XXXX, the score went down another XXXX points for a balance increase. My score is now decreased by XXXX points total. Even more than the first time they made a mistake. I have reached out by email, the only way to contact the credit department, about 3-4 times and have not heard back at all. Its about to be 45 days and the matter has gotten worse. I received a letter by mail from the other servicer who the account was transferred to advising it was a mistake and the account was sent back to Village Capital. They has the decency to reach out to me. village capital has not reached or corrected the matter. 
I worked hard on bettering my credit to purchase another home. 
Now one mortgage company has thrown it all away for me when my account with them now is in GREAT standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I WENT OUT OF TOWN AND I ORDER SOMETHING ONLINE ON SOMEONES COMPUTER THAT WAS HACKED. ALSO I WAS ALERTED BY THE IRS ABOUT MY IDENTITY BEING COMPROMISED.

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