BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can not get a credit score from Experian unless I pay them. XXXX and XXXX will show you a score. Why is it even legal for Experian to withhold the 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 2018-02-13
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: Investigation took more than 30 days

Complaint:
I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 2019-11-17
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I informed RoundPoint that I have paid off my property tax for XXXX. And I requested that they do not try to collect that in escrow.

RoundPoint received my request and ignored it. They collected the escrow after receiving my request and claimed that they refunded me in XX/XX/XXXX. 

In fact, I never received the payment of more than XXXX XXXX dollars. The company refuse to send me the fund after almost 2 years and many many attempts.

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 2018-03-29
Company: Choice Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt Collector reported negative items on my credit files. As they should be under the XXXX XXXX XXXX Charity program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a company that is trying to collect a debt that does not belong to me. 
I have repeatedly disputed this $ XXXXcollection with the collection agency TEK Collect ( based in Ohio ) and it was removed off one bureau but they refuse to remove the others. I have talkEd to the office manager XXXX at XXXX XXXX XXXX ( original creditor ) and they confirmed the existing financial agreement is not mine but they will still not remove. When I call TEK Collect to discuss my account they cant find it because its all someone elses number, name, etc Collection agency - TEK Collect XXXX XXXX XXXX ext XXXX Original Creditor - XXXX XXXX XXXX XXXX ( office manager ) XXXX I really need some help with this as soon as possible. We are trying to close on our new house in a few weeks.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CAPITAL ONE FINANCIAL 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 my card was charged {$8000.00}. The merchandise was not as described and I demanded a refund from the merchant of {$8000.00}. Instead the merchant credited {$7800.00} without explanation. No merchandise was received or returned by cardholder. Cardholder received photos of merchandise and it was not as described or agreed. Visa chargeback terms do not allow a merchant to assert a return policy when merchandise is not as described. 

The XX/XX/2021 charge was on my billing statement dated XX/XX/2021. I had 60 days to dispute the charge from the date my statement was received. On XX/XX/2021 I disputed the charge of XXXX ( the difference between what I paid and what was credited ). 

Capital One wrote back on XX/XX/2021 stating they credited my account {$230.00} provisionally and asked for more information. I provided all of the information asked for on XX/XX/2021. 

Almost one month later on XXXX Capital One writes back that my documents are invalid and that my complaint was not timely. 

Capital One further debits me account {$8000.00}. 

Credits and Debits : XXXX Original Charge XXXX - Merchant credit XXXX - Capital One credit XXXX Capital One debit XXXX. Total chargeback to me for this dispute. I never even disputed the XXXX. Further, the XXXX was never credited to me a provisional credit. Only XXXX was provisionally credited. Capital One has no authorization to debit my account by {$8000.00} as this amount was never disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed for Paypal Merchant Processing through XXXX XXXX  through a Paypal Sales Associate and fulfilled all the requirements to redeem the offer. Yet Paypal has yet to send my email to XXXX to confirm I have fulfilled the requirements. 

I have contacted XXXX multiple times and they said Paypal needs to be the one to send them my email address to confirm I have fulfilled the requirements so I can get credited as XXXX for the signup at Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
I AM THE VICTIM OF ID THEFT. I did not open this bank account and I am attaching my FTC report with this complaint.

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 2019-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this XXXX XXXX , XXXX XXXX, US DEP ED XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello XXXX XXXX  has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bank of America has misrepresented its loan as a simple interest loan and that isn't entirely true. Additional payments are not applied to principal, they are applied to future payment without authorization. The net result is the consumer gets overcharged. I have contacted the bank several times about this and they intentionally make it difficult, requiring a 45-minute call. The rep always says the bank will have someone go back through the account and correct the error but it hasn't happened and it has been over 90 days. 
The regularly scheduled payment is {$610.00} on auto pay and it has never missed a payment. 
Here are some examples of misapplied principal payments made in addition to the {$610.00}. 
XX/XX/2021 a {$1000.00} payment was applied as a regular payment instead of principal. They pulled {$5.00} out as interest plus the additional future interest. 
XX/XX/2021 a {$300.00} principal payment was applied as a regular payment. {$20.00} was removed as interest plus additional future interest. 

I have filed a prior report on this with the CFPB. Bank of America sent me an e-mail to contact them and I did. I left a voicemail with no response call back or email from Bank of America. 

Again, it has been several weeks and no changes have been made to the account to correct the issue.

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 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.

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 2021-06-27
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Adjustment Services INC, has been reporting a incorrect balance and debt under my name to Credit Bureaus that I do no owe to them. Severely negatively impacting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, We were unable to pay a medical bill early on during the pandemic due to job loss. Now that my wife is working again, I attempted to settle the medical bill. This particular bill was turned over to the Cherrington Firm PLLC in XXXX, UT. They were unwilling to work with me on a settlement. In fact, they added an 84 % increase to the original amount in interest, and they are telling me that the interest is added daily. 
I checked with the original bill holder which was through XXXX XXXX. Since they had already turned it over to the debt collector, they were unable to recall the notice. However, they did provide me with a EOB and they mentioned that the original contract does not mention additional fees or interest for late payments. Therefore, the firm is attempting to illegally collect interest on a medical bill which is not accurate. I feel that I am being raked through the coals for something that I just want to take care of and be done with, but they are unreasonable. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: SYNCHRONY FINANCIAL
State: NC
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/2021 Paypal used my bank account to pay for an unauthorized charge of {$96.00} from a company called XXXX XXXX XXXX XXXX. 
The service had been canceled because it did not work and I did not supply money. I was informed of this. However, the company used by bank account via PayPal to take funds. The next week, my bank account was hacked and several XXXX dollars were taken.

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 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The unverified items remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2020-05-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XX/XX/2020 @ approx. XXXX I called IQ Data International, Inc and spoke to Mr XXXX XXXX . This call was regarding an account they have for me from the requests of another organization. I explained to Mr. XXXX that the information that was provided to his company from that company was based off of fraudulent information and asked him what his company needed from me in order to have this account deleted. I explained that I had documentation that would dispute that company 's claims. He then rudely tells me that he " doesn't care ''. He then goes on a 2 min rant on how the eviction process works and that he hears stories like mine multiple times a day. When I told him that what he just explained wasn't true in my case he said " so I just wasted 2 mins of my life and you weren't even listening '' And when I told him I was but the information he was given wasn't correct, he said again " you weren't listening '' When I calmly asked him why he was speaking to me that way he begins his rude and disrespectful tone with me again. I then asked to speak to his Manager, and he said " no ... my manager trained me ''. At that point, I decided I would no longer accept his verbal abuse and said " ok '' and hung up as he started in once again. I believe when Mr. XXXX first got on the line he said " my Supervisor is ... .XXXX  extension XXXX '' but he was speaking so fast I couldn't understand clearly. I understand this company is in the business of collecting a debt but does it do so knowing the information provided wasn't accurate?? I'm not sure but I believe this may be illegal. Harassing people over false information and then refusing to accept the truth. He just simply dismissed everything I said as lies, not ever telling what I needed to provide to him to prove my case. But regardless, to speak to someone in such a harsh demeaning manner, especially when unprovoked, is mind boggling to me. I believe this call was recorded

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: The Hallstrom Law Firm PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2020 i was informed a lawyer was suing me for a dental bill i do not owe. 

The lawyer claimed XXXX plus interest and put it on my credit report claiming over XXXX pwed. 

I furnished all my proof showing i over paid a dentist who i paid XXXX for a partial after dentist botched root canal and caused the tooth to break. The partial to cover missing tooth was defective. 

The lawyer did not add all the insurance paid or a check for XXXX paid. 

After proving these things lawyet changed amount claiming XXXX of the XXXX was for services not rendered but antispated. Now he say XXXX owing which is still incorrect. I do owe period. 
The XXXX the lawyer put on my credit report was again put on knowing i do not owe that and lawyer admitted it the amount was for services not remdered however hes still trying collect unfair incorrect money. 
Case XXXX XXXX XXXX XXXXXXXX court Hallstrom Law for XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past year, the collection company Rash Curtis & Associates, XXXX XXXX XXXX, XXXX, CA XXXX has called our family multiple times each week on our cell numbers, looking for someone else. On Friday XX/XX/2018 at XXXX XXXX, they spoke to my spouse who explained that there is no one by that name at our address or at our cell or home numbers. We then asked them to cease calling us. After handing up the phone, their representative immediately dialed my cell number and I repeated our demand to stop harassing us and informed the collector their company was in violation of federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
It was happen on XX/XX/2020 my friend send XXXX XXXX to me but when i tried to cash out the money they decide to permanently banned my paypal account but i dont do anything wrong so i waited 180 days ... .and yesterday XX/XX/XXXX was the 180 days of my paypal but i still cant get the moneyi hope you help me to resolve it ... 
Thank u in advance

Company response to consumer: Closed with explanation