BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I was starting college a credit card rep from bank of america discussed with me about signing up for a credit card. During the application procces the credit card rep fugged my income by a lot so I could get a larger amount of credit. Looking back with my income at the time I would have been declined due to me making less then {$100.00} a month. I was apporved for a card with an {$1000.00} credit limit. I started useing the card with out actually understanding how credit cards worked and not know i would not be able to pay it off with my income. My account went into defualt and was sold to a debt collector. I was away at college and during those 7 years my debt went to a judge and it was ruled in the debt collector favor without me even getting a notice because I was away at college. Now that {$1000.00} credit debt is over {$3000.00} and they garnish my wages anytime I get a job. I am XXXX now and i look back at the day the bank of america rep XXXXXXXX XXXX XXXX  and nothing was reported or done.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX, is a hawk in calling and reminding you that your payment was due that morning. Which is the reason I chose to pay off this account early. This will be the second loan through the company, so I knew the practices but was in a bind. My last payment was XX/XX/XXXX to close the account and receive back the title for my truck used as collateral for this personal loan. I received the title the day of pay off in full. However, a few weeks later, I was activating a new credit card which had expired and noticed my credit score dropped 28 points this month. Little investigation later, come to find out, XXXX XXXX XXXX mis-reported by loan payment ( for account that is paid in full ) as >30 days late on XX/XX/2021. Worse, analyzing their web site say they report to credit bureaus, but all that is see is their single negative report and none of the months where the noted was paid as agreed. 

I've reached out the to the local office, who then forwarded me on to corporate after apprising them of the situation and to which I've had no response for ownership of the problem and ultimate correction of their error.

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 2021-06-30
Company: CREDIT ACCEPTANCE CORPORATION
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 got this account that is not mine and i want it to be remove from my credit report asap. 

1. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine.

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 2021-07-15
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint I've had to file against Flagstar Property Loss. Flagstar sent me the final reimbursement payment from the major water damage to my condo that initiated in XX/XX/XXXX and was finally resolved XX/XX/XXXX. I paid out of pocket so that the construction could move forward and was to be reimbursed. Attached is an email of the second and final reimbursement check in the amount of {$39000.00} issued on XX/XX/XXXX. The check was received in my mailbox several days AFTER I had left the country for an extended period of time. I informed Flagstar of this several times prior, asking them to expedite the reimbursement check. Intentionally, they withheld it. I communicated with them several times while out of the country informing them that the check was valid for 180 days, I had a copy of the check and that it was in a safe holding in my home. Several times, I communicated to them that I was in receipt of the check and would deposit it upon my return. On XX/XX/XXXX, I deposited the check to my credit union. On XX/XX/XXXX, I received a notice from my credit union showing the check had a stop payment and was returned, deducted from my account with a service charge. When I spoke to the supervisor XXXX ( ID # XXXX ) from Flagstar Property Loss at XXXX PST XX/XX/XXXX, she informed me that my credit union returned the funds to them with no explanation. She further informed me that a new check was already reissued to me and in the mail as of XX/XX/XXXX. When I asked for a copy of the check and the check number, her story changed to they were currently the process of reissuing the check and did not have a check number. I asked for an email confirmation that my credit union returned the check for no apparent reason, along with a copy of the new check. I have not been provided that information as of yet. My credit union confirmed there was a stop payment on the check which was why the check was returned. Flagstar has habitually lied to me, acted negligently throughout this entire process, have intentionally withheld funds from me and now illegally placed a stop payment on a reimbursement check and lied again.

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 2018-02-23
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
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:
I am receiving aggressive collections notices from Purdue, Brandon, Fielder, Collins, and Mott, LLP XXXX, TX XXXX. This company claims to be representing a XXXXXXXX XXXX XXXX XXXX In XXXX XXXX for a debt that I owe. I do not owe this debt and I have to them and called them to explain that any fine must be fraudulent. I have never lived in that county or town. I have received letters from them for years claiming that I owe a traffic fine, but when I disputed that they claimed that it is hot checks. I am tired of there harassment. Their office has threatened repeatedly to have me arrested. I have never received one notice from the county 's government offices about what I owe, but still this law office claims that I owe something that I could not possibly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: SELECT PORTFOLIO SERVICING, 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 is missing that should be on the report

Complaint:
XXXX XXXX violated numerous laws in the conversion of consumers property as indicated in the attached complaint filed in the XXXX of 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 2021-07-15
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: Information belongs to someone else

Complaint:
In XXXX of XXXX, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.

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 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 called Capital One in XX/XX/XXXX and spoke with a representaive about removing an account from my credit report after I pay it off because I am in the process of buying a new home and this is the last thing holding me back for approval. She said that after it was confirmed paid to give it about 30 days and if it wasnt removed then Capital One would then file a dispute to have it removed. I hung up after remembering I did not get her name or i.d number so I immediately called back. When I called back I talked to representative XXXX and she said that information that was given to me was false and she couldnt help me. I called back on XX/XX/XXXX and I talked with supervisor XXXX and asked her to pull up the call so that she can hear the misleading information that was given to me by one of her workers. She said she did not need to pull it up and that she was sorry for that representative giving me the false info but she can not help me get it removed from my credit report.She said that was a mistake and there was nothing that she could do even if that was promised to me by her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have a student loan that is open since 1999. Two months ago Navient took over servicing the account. They are now reporting the account as open two months, which dropped my credit score. I called Navient and was told that I have to send a copy of all three credit reports to their Dispute address. There was no person to talk to on the phone. 

In the last 5 years multiple companies have serviced my loan including XXXX and XXXX. Neither of which misreported the date that my student loan opened. 

I've sent a copy of all three credit reports to my Navient 's address. I included a printout of the Sallie Mae overview of my student loans - which clearly state that the account opened in 1999. 

What else am I supposed to do? How long do I have to wait to get this problem corrected? More importantly, why is the burden on me to run around and correct the problem. The Navient person told me on the telephone that she could see that the account initiated in 1999!! This company should be held accountable. 

Also, I called one of the reporting agencies directly ( XXXX ), the person on the telephone told me that I don't have any accounts open with Navient! So I have no idea what name they are reporting under.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Hello, I am writing this message because I found the item in Transunion that is not mine. I can not understand why this account appeared in my credit report. Its a mistake I guess, so please take appropriate actions and remove this item because its killing my 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 2018-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I withdrew the funds from my checking account because I was disappointed in the interest I was getting from the Bank. I then informed them that my account should be closed immediately. They said that because my balance was {$.00} they could not close my account. This balance is not visible to me, they suggested I go in to claim my XXXX cents, but due to my son battling XXXX I'm unable to get into a branch. Why can't they close my account because they claim I have a balance my online account doesn't even show? This is ridiculous and clearly, so they can charge me fees at the time of the monthly billing because my account will be below the required 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 2018-06-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While making a purchase, the sales person asked if I had a loyalty account. I do ( which means I have made purchases prior, not a credit card holder ). After she asked my phone #, she asked my email address, that's all. After my purchase she explained that I get 15 % off. I knew that but I was not aware that she was referring to a credit card. A Loyalty Program is just that ; a frequent buyer. She stapled my receipt to a brochure which explained Loyalty, Premier, and Elite. It seems she opened a credit card for me and I do not want it, nor did I ask for it. How do I get this closed without disrupting my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I signed up with MY PAYDAY LOAN for a short payday loan. I later signed up for debt consolidation and a revocation letter was sent to them and request for validation of debt by my debt consolidation company. The company is oversees and unable to provide validation. After the revocation letter they continue to take interest payments of {$180.00} and continually changes the way the take the payment to avoid stop payments. The submit as a check instead of a ACH payment. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
When making a transaction in a foreign currency, PayPal offers the options of allowing PayPal to convert the currency ( at a markup ) or allowing the consumer 's card issuer to perform the currency conversion. When I tried today to make a payment of XXXX Euros, I was quoted a rate of {$610.00} USD by PayPal. This was much higher than the {$590.00} using the bank exchange rate. When I attempted to change the option to within my PayPal app to allow my issuer to perform the currency conversion, the option was not accepted and continued to revert back to PayPal for conversion. In reading online forums, I see this " bug '' has been occurring for years. I needed to log into a browser to be able to change the currency conversion selection. 

Consumers have notified PayPal via those forums, so I must believe that PayPal has not fixed the problem as it is profitable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 notified bureau by phone, online and by mail. I have placed a Fraud Alert on  my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a sum of {$350.00} unavailbled to me because my account is " restricted '' by coinbase. This means I can not move funds into or out of coinbase. 

After repeated inquiries : 1 ) XX/XX/XXXX, that my account was restricted. With a response on XX/XX/XXXX : " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 2 ) Recieved a response on XX/XX/XXXX : " Ive just checked your account and can confirm that your request has been properly escalated. '' 3 ) Recieved no respond to my inquery on XX/XX/XXXX asking for an ETA. 

4 ) Called in today to be told it was escalated ( for the second time ) on XX/XX/XXXX. I have little faith it will change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my consumer credit report, or any one elses.

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 2020-06-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. 

I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. 

I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company.

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 2021-06-02
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debit has been reoccurring on my credit report as if its a new account. This was placed in bankruptcy and therefore should not be reporting on my credit. However, I would like for this to be removed all my credit files.

Company response to consumer: Closed with explanation