BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found a credit card debt I don't recognized from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX   in the amount of {$670.00}. Seen reported on XXXX, XXXX and XXXX. Creditor information : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Western-Shamrock Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I received a call from Western Shamrock on my work phone #. I made a payment via phone that same day & I asked the caller not to call me at work anymore. She stated as long as I did not ignore her phone calls on my cell phone that she would stop calling me at work. I informed her that I could not receive personal phone calls at work. Since then they have called me multiple times on my work phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I want these calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Please require TransUnion to delete the items on my credit report, as TransUnion has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit report and TransUnion has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. TransUnion has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but TransUnion still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the TransUnion Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that TransUnion uphold their obligation to delete these items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Regional Management Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I GOT A 18 MONTH PERSONAL LOAN WITH PAYOUT EARLY WITH NO PENDALTY AND SAVING ON THE INTEREST. THE LOAN AMOUNT WAS {$1500.00}. THE FIRST MONTH PAYMENT WAS {$120.00} BUT I PAID WELL OVER THE MONTHLY AMOUNT MY GOAL WAS TO PAYOFF EARLY. I CALL THE COMPANY IN XXXX FOR A PAYOFF THEPAYOFF BALANCE WAS {$600.00} BUT I HAD CREDIT ON THE ACCOUNT WITH NO PAYMENT FOR 6 MONTHS. I STATED ON MY CHECKS AND BY PHONE THAT THE EXTRA AMOUNT WAS TO DECREASE THE INTEREST OWED. SO I ASK FOR A PRINTOUT OF MY ACCOUNT THE MANAGER STATED THAT THERE WAS NO PRINTOUT FOR MY ACCOUNT. CALLING CORP OFFICE FOR THE BALANCE I NEEDED TO CALL LOCAL OFFICE.I HAVE A CREDIT FOR THE ACCOUNT FOR 6 MONTHS NO PAYMENTS I NEED THE CREDIT TO BE APPLY TO THE ACCOUNT. IF I HAVE DID NOT PAY I KNOW THE COMPANY WOULD MAIL OUT REMINDER BUT NOT A PRINTOUT TO MY SURE THE COMPANY IS INCOMPLIANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CONTRACT CALLERS INC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, my application for discharge of my federal student loan was approved on the basis of my total and XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter XXXX XXXX and Equifax reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX   continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX 's website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with XXXX XXXX and Equifax and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XX/XX/XXXX and a balance of XXXX should be reflected on all three credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened secured credit card with Bank of America in XX/XX/2016 Without sufficient notification, Bank of America closed my account in XX/XX/2016 resulting in charge-off of {$110.00}. 

Since then, Bank of America never notified me of this matter. 

I found this out when I pulled my credit report last week. 

I contacted them and paid off the charge off. I also asked them to remove all the charge off history from the credit report because they have not informed me of account closing. 
Bank of America refused my request, without giving me sufficient reason.

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 2018-09-24
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a payment due on XX/XX/XXXX. 
Tried calling and paying on XXXX XXXX, and the XXXX. 
Phone system was down with no answer or and out of service recording Finally spoke with someone at XXXX and was told there system is down and I can only pay by wiring the money or going on line, but online phones and tablets do not work only PC I told the person if I wire today Ill be fine? She said no its after XXXX central time do you will get a late fee even though their system is down. 
Asked to speak with a supervisor but was told none of them work today but they know about the issue and this is our policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/16 at XXXX, I set up an auto-pay on Synchrony Financial website for my account ending XXXX to pay the full balance of my debt and I received a confirmation email stating, " You have successfully enrolled in Autopay for your XXXX XXXX XXXX XXXX XXXX XXXX account. For your records, your Autopay confirmation number is XXXX '', this setting was adequate to pay the debt on time and avoid charging me any interests. 
Unfortunately, the bank system has not performed well and later I discovered a change on my account have been performed, the auto-pay setting changed to minimum due, without informing me which entailed charging me {$2200.00} of interest for not paying the debt on time. I am disappointed because I always meet my obligations and I never done this change, and even when I discovered this mistake and the big charge, I paid the full balance {$3300.00} at once as a proof of my commitment to my obligations and to stop the monetary bleeding. When I reached out to the bank, the bank representative informed me that the change to minimum due have been performed after three minutes only of the first set up ( i.e. XX/XX/16 at XXXX ), however, the received confirmation email dated XX/XX/2016, XXXX XXXX which is after that false change by 58min, moreover, I never receive a confirmation email from the bank with this change.

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 2021-02-09
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know who this company is. I reached out to them on multiple occasions and there was no response. This is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of 2020 I canceled my card and ordered a replacement card because mine had been stolen, and that same month paid my bill in full to ensure a smooth transition. I did not receive a new card in the mail from them until XX/XX/2020. When I logged on to activate the new/replacement card, the website let me activate it, and then once I had, my account showed a litany of charges from mostly out of state and subsequent late fees and interest charges in relation to those out of state charges, all of which dated AFTER I had spoken with them to confirm my cancellation and request for a replacement card. I called to try to resolve the issue, and they claimed that I had never called to cancel the card. When I brought up the fact that I had in my hand the package with the replacement card with Citi Bank as the return address, in addition to the fact that I activated the new card just two nights ago, they refused to respond to my questions. I tried to be as calm and reasonable as I could be with them but they insisted on continuing with their false and predatory stance on the situation. I am including images of bank statements, the package in which I received the replacement card, and of the card itself. If you need the full credit card number, let me know and I would be happy to provide it. Thank you. 

Ps. If there are any issues with the images I provided, I apologize, and I would be more than happy to resend any of them or to send anything else that you may need.

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 2019-06-11
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:
one inaccurate account is reporting under my experian and XXXX credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you

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 2018-09-24
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Notified three major credit reporting bureaus to place freeze on my accounts due to their false reporting, fraudulent personal data info selling for profit adding to existing problems of improper reporting, identity theft ; list goes on. Used XXXX article site to clink on links XXXX. Answered all questions. XXXX  no problem. XXXX  responded I must submit police report to accept. XXXX Responds can not verify identity. Have had FICO score alert reporting with various financial entities providing that service. Im not unknown though data submitted maybe false. ID theft by XXXX XXXX 14+ years adversely affected credit scores. XXXX covers up for XXXX false info as well By known Criminal ; list goes on. When Public Announcement Id credit freeze avail by law XXXX took advantage being unsuccessful in past ; repeated victimization ongoing. Went through process of providing proof of identity with various entities sending copies of personal documents to be told not good enough. Request my free credit report once a year ; not sent by two or even the three credit bureaus. If I get copy of one ; submit copies of disputes to other two sometimes more  that are involved in smear tactics like Lexis Nexis assisting XXXX XXXX ID fraud. Ive never had XXXX XXXX  yet carried by three people on their policy fraught with traffic violations ; I have none. These are only highlights of ongoing outrageous, egregious ; actionable acts of malfeasance that go unchecked by the CFPB dispute other past complaints. The XXXX   XXXX XXXX XXXX XXXX is of no help. The XXXX State offices and agencies frought with all kind of internal crime and corruption. Do I need to contact President Trump and ask him to assist with these matters? Is the CFPB going to start doing their job to protect US Citizens like they are suppose to or coverup for errant entities adversely affecting our lives. Im in my XXXX year ; the Decline in Decency Of the Gov that is suppose to be of we the people in support Of enrichment of three three credit bureaus is part of the Deep State Swamp we are drowning in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
So like many other Paypal users, i have a problem with this company. Here is my story ... 
On XX/XX/2018, my friend and partner sent me US {$26.00} from his XXXX Paypal account to my US Paypal account to pay his part of a business investment we have to do together. 2 days after Paypal blocked my account and i was not able to access it anymore. So i called them and they told me that my account was blocked because of a suspicious transaction and that to clear it, i have to send them an ID. My friend has the same problem and they asked him for an ID, his credit card infos and a bill to justify his address. So both of us, we sent all the documents requested by Paypal. My friend managed to finally have his account unlocked by Paypal but when i called them again, they told me that my account was suspended and my funds blocked for 180 days without any clear reasons beside than telling me that my account was involved in suspicious activities. I wrote to their appel department to appeal this decision but didn't receive any answer. 
I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal that in 4 years using Paypal, Ive never received any complaint about the payment made to my account. Plus since one year and half now, I use Paypal only to transfer money with friends and family so for one year and half, no payment that could cause a dispute was made to my account. Also i have never enfrunt any Paypal policies and I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states.

Knowing than regarding this problem PayPal employees brought me nothing but arrogance, I'm writting you today for your help to fix it and help us invest in our project.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Peak Acceptance, LLC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I opened a loan with peak acceptance XX/XX/XXXX and the car I had to let go for medical reasons it took them two months to pick it up and finally picked it up on XX/XX/XXXX. After the repossession i tried to contact them about personal belongings in the car and was not allowed to do so also I never received any notice about the sell of the vehicle like they are suppose to send you. Also I never received any paper work after the sell of the vehicle about any kind of remaining balance are any type of information from them. Also on my credit report they report date of last activity as XX/XX/XXXX and the car was repossessed in XX/XX/XXXX and they continued to report to my credit as me being late until XX/XX/XXXX even though there was no communication from them at all about any remaining balance are debt owed to them. Upon contacting them about this info I was told they do not have my debt in there system but yet call me 5 minutes later and say they found some information on my account but were unwilling to allow me to talk to anyone in the reporting department.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-24
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:
( 1 ) What happened? 

I disputed a Bankruptcy reporting on my account on XX/XX/2018 for reporting inaccurately : the original bankruptcy documents state a different address than where I live now. This is an inaccuracy because, the original bankruptcy documents have the address where I filed for the Bankruptcy over 7 years ago. I now live somewhere else. 

The dispute results where verified by electronic means. 

The FCRA states if any inaccuracies at all, are in the the Bankruptcy it must be deleted. If results reveal 1 inaccuracy, it must be deleted. The Bankruptcy Courts do not correspond with the Credit Bureaus for any reason ever. My report is inaccurate because only a small amount of the original information is reporting. The verification process must include the original bankruptcy document with signatures of both consumer and Bankruptcy Court Judge. This original bankruptcy document must already be in the consumers file when the consumer disputes the Bankruptcy for accuracy. 

The dispute results returned on XX/XX/2018 as verified. The very same day of dispute.

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