BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
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:
i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 2019-03-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, my loans in repayment ( Loans 1 and 2 ) under the Pay As You Earn ( PAYE ) plan were moved from repayment to forbearance status without my knowledge or consent. On XX/XX/XXXX, XXXX representative XXXX confirmed that this was standard practice, despite the fact that XXXX previously assessed a payment under the PAYE plan towards Loans 1 and 2 on XX/XX/XXXX. Upon escalation, representative XXXX also informed me that this is standard practice and that XXXX ( my prior servicer ) essentially messed up and should have put me in forbearance instead of repayment. A XXXX  representative confirmed with me at approx. XXXX EDT on XX/XX/XXXX that I did not recently request any loans being placed on forbearance and that the loans in question were in repayment status under PAYE before they were moved over to XXXX  . I never requested a new forbearance to be applied to any of my loans this year. As I am working towards PSLF, I had to request the forbearance to end, but they informed me that, despite those loans having already been in repayment, interest capitalization would occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: The CMI Group, 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: Information belongs to someone else

Complaint:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased two items on XX/XX/XXXX ( order total {$1300.00} ). One of those items was available immediately for shipment and I received it ( {$100.00} ). The other item was not available for immediate shipment but I was charged on the XXXX XXXX XXXX credit card. When I made the purchase I signed up for 6 months of 0 % interest. As the months went by and I still had not received the item I noticed on my credit card statement I was making payments for an item I still had not received and that I was in fact being charged interest on that item. In XXXX I contacted XXXX XXXX to find out when my item would be delivered and they could not give me any answers. They told me it was best to cancel my order and get a refund. So this is exactly what I did. On XX/XX/XXXX I contacted XXXX ( spoke to XXXX ) because I wanted my money back and I also wanted the money back that they had charged interest on as I never received the item and that was not part of the agreement. She opened up a dispute and said it would be resolved within 90 days. I received a letter dated XX/XX/XXXX that said they would resolve the issue within 90 days. 90 days passed and I never received any notification nor my money back. On XX/XX/XXXX I spoke to XXXX and he told me I needed to speak with someone at XXXX XXXX. So that same day I spoke to XXXX at XXXX XXXX and she told me the dispute is with XXXX not XXXX XXXX I called back XXXX and said I needed to speak with a manager. Eventually I spoke to XXXX and she said that on or around XX/XX/XXXX I would hear back from XXXX regarding the results of the dispute and she could issue a check. I never heard back from XXXX. They still have my money. On XX/XX/XXXX I received another letter stating that it would be another 90 days. I believe this is against the law. I don't see how they can keep my money. I'm at the point where I will hire an attorney and take them to court or file through small claims for all of the additional stress this has caused me and not getting my money back that I am rightfully owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: DISCOVER BANK
State: NY
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:
I had fraudulant activity on my discover card back in XXXX. As soon as I noticed the fraudulant atm withdrawls I contacted discover card. They initally gave me back the funds that were taken off my card along with the interest and charges it accured. However just last month they put all the charges back onto my card. I called discover to discuss this and was told that because I did not answer there call they feel it was not fraud. This is Completely not RIGHT. I should NOT be responsible for someone stealing off my card. Now today XX/XX/2019 I went online to view my account and am blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Atlanticus Services Corporation
State: MN
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:
I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened Capital One QuickSilver credit account XX/XX/XXXX. Never used card, and paid {$39.00} annual membership fee. Closed account on XX/XX/XXXX.  Requested refund of membership fee on XX/XX/XXXX, and XXXX from Capital One advised it would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
InXX/XX/XXXXI was buying a home for the first time alone. I took out a loan for XXXX to purchase the home at 7.5 % interest and a renovation loan for XXXX to rehab the home at 9.5 % interest. The bank was HSBC Commercial Bank C/O XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXXXXXX Over the years I noticed that the Principal was barely going down, but attributed that to being told that most of the payment going to interest in the first few years, I did not know that ALL of the payments were going to interest until I got a letter stating that I had an Interest only loan and even though my interest rate would stay at 7.5 %, my payment would go up almost 350.00 inXX/XX/XXXX. I retired after XXXX over 25 years and my income was reduced dramatically and this new payment amounts to almost 1750.00 a month. Every year between XX/XX/XXXXI have tried to do a HARP refinance and once paid a lawyer XXXX to help me do a HARP. My answers have always been negative, even though I have never missed a payment. They in essence tell me my debt to credit ratio is too high and if they lower my payment they do n't think I will pay, even though I never missed the higher payments. It was suggested I miss a payment or short sell the house by employees sympathetic to my situation. Giving me " unofficial '' advice that would ruin my credit or at least put a real bad mark against me.I feel I can no longer afford this payment. I feel I was tricked into this type of mortgage product by HSBC and was turned down for a loan modification unjustly several times by HSBC. My home is worth only about 80,000.00 but I owe over 155,000.00. I am really desperate for some type of help. I feel trapped. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Late on one payment XX/XX/XXXX made up payment XX/XX/XXXX made extra payment XX/XX/XXXX 7 years after being 2weeks late on one payment now said we owe 4,000 plus on late fees stating we are late every month, not one time 150 plus faxes with proof we never missed payment. It was late once, have copies of money orders they split up to unapplied funds for 2 months. In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXput it were they put payments unapplied. Putting my account behined, I 've never spoke to same person, 7 years of this stress. Ca n't handle anymore now they are raising our mortgage again. Filed for modification 3 times, each time denied. Was told by last case manager that we would be stupid to open up this can of worms, that is what I Was told. Then sends me paperwork of payments and says you 're wrong. Case closed even though the extra payments were there they still deny. They messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: E-Backgroundchecks.com, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I have sent this company a cease and desist and demanded that they stop brandishing invalid information and they are refusing to meet my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: MO
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:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX  XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. 

ERC now XXXX  XXXX deleted the item, and then renamed its business to add the account back to credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
4 different collection companies sent notice demand same payment for account not mines and never done business with companies/ violates " Fair credit billing act '' and " FDCPA '' ... XXXX XXXX, PORTFOLIO RECOVERY, XXXX XXXX, XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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:
I have been fighting with all three credit bureau for two years now. i have been sending letters by certified mail to dispute things on my credit report .they have not taken the time to fully investigate anything. for example if i dispute four things with Experian they will dispute one item then remove it from my credit report then two weeks later the same information pop up but under a different debt collector name. 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , All three continue to disregard any request to fully investigate. Every letter that was sent have been notarized.Within a week these credit bureaus will come back and say they have fully verified all the information on my credit report I thought it normally take 30 days to investigate. They allow any company out there to report false information on your credit .This has caused alot of stress in my life, the fact that they allow this thing to happen as if they just get paid just to report and dont care on the lives they ruin in the process. This needs to stop.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: MO
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:
Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX CR {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX  {$640.00}, XXXX XXXX {$210.00}, XXXX XXXXXXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.

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 2020-05-06
Company: Mediation Recovery Center
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I received the following email from Paypal ( I have deleted sensitive information ) : Your buyers bank requested a reversal for the transaction below. 

We are required to return that payment to the bank. When this happens, we take the loss on your behalf if the payment is covered under PayPal Seller Protection.  Unfortunately this payment was not eligible for that, so we have deducted the related amount from your PayPal balance. 

Transaction Details Senders Name : Senders Email : Your Transaction ID : Transaction Date : XXXX XXXX, 2017 Transaction Amount : {$50.00} USD The issue with this, is that this was not a purchase, but a money transfer ( gift ) from my brother, over 5 months ago. My brother 's account received several unauthorized transactions recently, and he alerted Paypal to this. They were unresponsive until his balance turned negative. Now they are asking him to pay it. 

Paypal has deducted money from my sister 's account, and now mine, in an attempt to get this balance back, which I believe is fraudulent. 

Deducting money from my balance for an ongoing dispute unrelated to me from 5 months ago, I believe is violation of trust and privacy ( they are independently tracking my brother 's transaction history without his knowledge or consent, and attempting to penalize others to recover their loss from their own mistake ). I would like to alert you to this practice. 

I should also add, that my brother resides in the XXXX, which has even stricter privacy laws, and I am surprised that they are able to successfully do this. Please let me know if you need further information from me about this transaction. I appreciate your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX XXXX account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in Late XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against Transunion and XXXX. Hope this can help me move on so my family can prequalify for a new home. 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 non-monetary relief
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/ 2020 I was offered to open an account at Bank of America. I transferred {$100.00} to the bank. I was then informed days later that for some reason they decided to close the account almost instantly. I was told I would receive the money back within 3-5 business days. I am still waiting!!!

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