BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My Best Buy Account was opened XX/XX/XXXX. I received the first paper statement, and attempted to create an online account to view my balance and make my payments. XX/XX/XXXX - I had problems creating the account online. I chatted with Online Support who told me to open a different browser. I then called Customer Service who said the same thing. After going through a very convoluted process, the account was setup. XX/XX/XXXX - I was not able to login to my account again AND their website kept taking me in circles between two screens. I called Customer Service, spoke with XXXX, and make my payment through them. They were not able to help me login to their credit card site. I asked XXXX to enable paper statements so that I would know my balance and payment information. XX/XX/XXXX - I received a payment reminder with my balance and minimum amount due. No paper statement was received as requested. My attempt to login to the site was unsuccessful, I did not have time to call Customer Service again. XX/XX/XXXX - I am within 4 days of my payment date and tried to login to the site to make my payment. Login failed, I received a message to call Customer Service. I called Customer Service, after going through their very long automated system, I was connected to XXXX who listened to my complaint and put me back into the automated phone system. I then spoke with XXXX who had me change my password, but I could still not login to the site. When I asked her what to do next, she said wait 1 - 2 hours. she told me I was luck to have gotten to the point where I could change my password. others were not so lucky. I still can not login, I have not yet made my payment. Total time on the phone 20 minutes, 8 seconds without a resolution.

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 2020-09-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to COMENITY BANK/VCTRSSEC manytimes to fix this " mistake '' made by their company i have yet to get a response. This is stopping me from getting the house that i want. They are reporting late payment on my credit profile that never happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Deposited money into chase atm of XXXX. Atm took the money than printed out an error receipt. Bank said they cant find money and credited me XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery has stated that I had an account XXXX. I believe that this account has been fraudulently opened using my personal information without my consent. I have never had any dealings with this company. I disputed the charges due to this not being my account and the company stated that this account belongs to me. I haven't signed any documents from/for this company. I have not opened an account with XXXX XXXX The company states that I owe {$3200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In have written this company once in regards to listing the accused debt several times as a collection. And needs to be removed, its causing my credit score to decrease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed a collection account on my credit profiles from Wakefield & Associates. The erroneous claim states that I owe {$320.00} to XXXX XXXX. I've NEVER been to that medical facility therefore I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: OH
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've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.

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 2020-11-01
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is in forebearance for XX/XX/2020 with the CARES ACT OF 2020, yet Rocket Mortgage is making me pay them anyway. How can that be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Possible Financial 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: Personal information incorrect

Complaint:
I spoke with customer service agent at XXXX  so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I received a solicitation from Capital One Bank to deposit {$50000.00} of new funds from an outside source to my Performance Savings Account by XX/XX/2020 and leave it in the account through XX/XX/2020 and they would pay me a bonus of {$450.00} within 60 days of the end of the required deposit term. On XX/XX/2020 I transferred {$50000.00} from my High Yield Savings account with XXXX XXXX  to my Performance Savings Account at Capital One. That deposit remained with Capital One Bank until XX/XX/2020, which was later than the required term of the deposit to receive the bonus. It is now past the 60 days and Capital One has not credited my Performance Savings Account with the {$450.00} bonus in accordance with the terms of their solicitation. 
I have not contacted Capital One because : ( 1 ) I don't think I should have to since they made the offer to me, and ( 2 ) I am nearly XXXX and can not use a telephone and there is no email contact information on their website. 

I would request your assistance in requiring Capital One Bank to adhere to the terms of their solicitation and credit my account with the {$450.00} bonus. 

Thank you very much for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.

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 2020-11-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a statement from TD Bank that a payment of {$190.00} would be deducted on XX/XX/XXXX and the remaining balance would be {$5100.00}. I had them take the payment, then on XX/XX/XXXX they cashed my check for the balance. 
They made a mistake and took out another payment in XXXX. After numerous phone calls, I finally got a check from them for the extra payment but they deducted {$58.00}. After more multiple phone calls I was advised that there was a {$30.00} collateral fee and {$28.00} in interest. 
My contention is that this is just a way to bilk me for additional money. I paid the amount that the statement listed the next day, There was no listing of any additional monies or references to call for a payoff. Also, there is no way that one day 's interest for {$5100.00} is {$28.00}. 
I feel that these charges are unjustified and should be refunded to me ... ... ... ... ... ... ... XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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:
On XX/XX/2020 i contacted XXXX XXXX car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted Experian, XXXX and XXXX regarding this matter with no resolution.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I open a dispute on my credit report and I didnt apply for XXXX loan or never received the XXXX  phone at all and I never place the order and didnt provide my social security number and they denied my claim and I send in the FTC report to Experian and they didnt block it or remove it off my credit report ... I already have a XXXX XXXX XXXX XXXX why I need a XXXX  phone I didnt place this order and it appears on my credit report that I owe {$1600.00} for this phone I never again received this phone and I called and cancel this order and told XXXX this account is fraudulent and Im not interested in getting a loan with them

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 2021-10-06
Company: STERLING JEWELERS, INC.
State: IN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I received a payment via PayPal for a computer I sold. I attempted to withdraw the funds and PayPal " flagged '' the transaction. I contacted customer support and was told to wait 72 hours and try again. I waited 96 hours just to be safe and attempted to transfer the funds to my bank account. PayPal again flagged the transaction. I contacted customer support. They walked me through several steps to attempt to withdraw the funds, transfer them and even to have PayPal write a check and send it to me. None of this worked. Then, they told me that my only option was to refund the money to the buyer and attempt payment another way. I tried to do this and the refund was not processed because PayPal had removed their fee from the original amount. As of today, they refuse to complete a refund or give me the funds in any other manner. After much internet research, this is a common problem with PayPal. They hold funds to make profit off of the interest of thousands of customers every day. This is fraud and/or theft. The online portal shows that the refund has taken place but another screen shows that it is in perpetual " pending '' limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: MN
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:
Mortgage from XXXX XXXX was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to XXXX XXXX but have gotten nowhere. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Conn's, 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:
I account was opened under my name without my permission. I was a victim of identity theft. I contacted Conns to let them know and the account has not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: OPORTUN FINANCIAL CORPORATION
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 belongs to someone else

Complaint:
A loan was opened under my name with Oportun. I have contacted Oportun as well as the credit bureau XXXX  to make them aware of the issue and the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
A loan was opened under my name with XXXX. I have contacted XXXX as well as the credit bureau Experian to make them aware of the issue and the account has not been removed.

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 2020-11-01
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account and Bank of America refuses to let me withdraw my money.

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 2020-06-02
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police report XXXX is attached. TD Bank/Nordstrom has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
MY EX DAUGHTER IN LAW OPENED A CAR LOAN IN MY NAME WHEN I WAS AT THE HOSPITAL WITH A MASSIVE XXXX. NO KNOWLEDGE OF LOAN UNDER IT HIT MY CREDIT FILE, I HAVE ASKED SEVERAL TIMES FOR THE COPIES OF THE CONTRACTS THAT WERE SIGNED AT THE DEALERSHIP BUT IT SIMS THAT NO ONE CAN COME UP WITH THIS PAPERWORK. I HAVE ATTACHED A FTC REPORT, WARRANT FOR MY EX DAUGHTER IN LAWS ARRESTED, POLICE REPORT, LETTER STATING THAT THE FTC WANTS THIS ACCOUNT TAKEN OFF MY THREE CREDIT FILES. REMOVE AND BLOCK.

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 2018-09-20
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: CT
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:
Fraudulent accounts on my credit report I have disputed those accounts with Equifax but they still havent removed them from my credit reports theyre not my account those I disputed due to identity theft

Company response to consumer: Closed with explanation