BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Three company 's in my email saying I have accepted offers and all I do is fill out the same information every day 100 times and none of them give a loan ... I also had. A credit card from total visa. Made all my payments not just on. Time but early. They cut off my account and say I owe XXXX ..., instead investigate anything. I can not reach anyone and I have my bank statement s where I made the payments. I can not even. Get a credit card 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 2021-02-17
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had a home loan with Freedom Mortgage. We sold the house and it closed on XX/XX/XXXX. Freedom Mortgage has not returned our escrow money to us yet. It is over {$3000.00}. I have spoke with several people at the company and am promised each time that it will be sent the next day. It is now XX/XX/XXXX and I have not seen this money. This experience with them is just one more bad experience 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 2023-10-10
Company: Avant Holding Company, Inc.
State: GA
Product: Credit 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 contacted the company AVANT back in XXXX of 2023 in regard to some charges that I found on the account. I was not aware of the charges because I did not see the statement. When I attempted to make a purchase and it was declined I called and heard the balance and realized that the amount was incorrect. I immediately reached out to the company to file a dispute ( claim # XXXX ). I then kept in contact with the company to get updates. I spoke with an agent that took information from me as there were charges that I did make because the card was stored online. The agent took those charges and confirmed the charges that I did not make and submitted the request. In between this time I received XXXX phone calls in regard to the purchases being disputed and was advised that they were submitted in error. I was advised that I did not need to remake payments as they would get their funds back. I then called back because I needed a letter to provide to my trash company because they closed my account due to the dispute and was advised that they could send XXXX and the dispute continued. I then received an alert that my statement was available and so I checked the amount due when I noticed that the amount had changed I reached out to find out that the dispute was denied because the charges looked like " regular charges ''! I am not exactly sure what that means but I have never used the card or any card that I have to make the kinds of purchases that were made. I keep getting the runaround and being told that it would be escalated when in fact it was stated that this was the final decision due to the chip being used, that would happen if someone has the card. I did not make the charges that they were attempting to force me to be responsible for. This is going to ruin my credit and they are refusing to investigate properly and assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I had a phone account with XXXX. I changed carriers on XX/XX/22, but XXXX continued to charge my Citi card. I disputed the charges with Citi Bank. I then changed my card number to stop the charges. I also asked Citi to stop these recurring charges as I had canceled my XXXX account. Citi verbally agreed to stop the recurring charges, but recently on XXXX XXXX, a recurring XXXX  charge appeared on my Citi card ( the one with the new number ) for {$420.00}. I again disputed the charge with Citi and again changed my card number. To date the charge remains " disputed '' but Citi has not refunded or removed the disputed amount of {$420.00}. I do not owe this money ; I didn't use the services ; I've been disputing the charges since XX/XX/22. Citi needs to remove the XXXX charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: DISCOVER BANK
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 belongs to someone else

Complaint:
I have wrote many complaints My privacy being violated And not following up With the standards of XXXX XXXX compliance And by FCRA standards the information shouldnt be reported due to mis information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was victim of a scam regarding the sale of my car. I posted an ad in XXXX. I was contacted by a buyer who told he would buy my car but I needed to send a Money Gram order of {$750.00} to the transport company who would inspect the car and ship it. I got an e-mail from XXXXXXXXXXXX saying that the funds were on hold until I made the payment of {$750.00}. I turned out the transporter never showed up. The buyer was not actually a buyer ; just someone who took {$750.00} from me. Money Gram will not provide me with information on what type of shop the perpetrator of the scam used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Experian Information Solutions 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 sent this company my detailed dispute and proof on XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to 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 2017-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Adler Wallach & Associates, Inc.
State: TX
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:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$170.00} Opened on- XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been contacted by this company Portfolio Recovery Associates at my accounting office for a debt for someone of the same name, but a different social security number. The person actually lives in another city. This started in XXXX. ON XXXX XXXX I was contacted XXXX times. Again on the XXXX of XXXX and now today the XXXX of XXXX. I have cooperated with them each time providing my personal information and asking them to remove my phone number. Again I did today, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXX Bank XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXXXXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions

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 2020-04-20
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Was served with a " summons to answer '' and " complaint under simplified civil procedure '' that does not contain a clerks signature or a case number, has post office address as XXXX XXXX XXXX XXXX . 
I have not ever heard of the plantiff, no form of prior contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NY
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:
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXXXXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, My Problem is with Paypal, Some 4 months or more ago palpal had suspended my personal PayPal account due to their statement of violation of the terms of services. 

I have tried to reach them over the phone but never get through to anyone to discuss this issue. I emailed them, then the reply was as stated before, I asked exactly what was the specified transaction or transaction that violated the terms of services, but unfortunately, I never got any specific answer, only the general vague response of violating the terms of services with no specific or reference to the stated violation. 

The Account had a balance of XXXX if I remember correctly and was frozen and can not use it or transfer it for my bank account or pay for any purchases, and was informed that it will be there for 180 days. 

Today XX/XX/2021, I received an email from Paypal stating that " {$190.00} USD ; Paypal posting date : XX/XX/2021, payment to Paypal damages caused by Acceptable Use Policy Violation ; Paypal Damages caused by acceptable Use Poly violation. 


Transaction type : Correction. 
-- -- -- -- -- -- -- -- -- -- -- -- I have the civil right to specifically know what and how I had violated these rules and to know where I did make the mistake to be held liable for this penalty both financially and mentally. exactly what happened? why they did what they did? NO Answer from Paypal. that is so uncivilized and unlawful, when someone is being penalized, he or she would have known the exact situation of their violation not just blunt and blank accusation, in order to review and respond to these charges. it is at least just a fair " Due Process as they say. 

this is totally unacceptable and totally offensive and I believe under fair law it must be solved according to the just and fairness to both parties. 
I demand an exact reference to the stating the violation incidence that I was charged with and entitled to my full rights under the law. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I qualified for the public service loan forgiveness program by my Agency after 10 years of service and submitted the qualifying paperwork in XXXX 2017. Fed Loan Servicing informed me I had made zero qualifying payments and rejected my paperwork in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Suburban Credit Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a XXXX visit in XX/XX/XXXX and believed that all bills were paid. I moved in early XX/XX/XXXX and had a forwarding order to transfer my mail to XXXX. I kept my same phone number as I had in XXXX. In XX/XX/XXXX a collection was placed on my credit report. I had no knowledge that any balance was due. I did not receive any notices or phone calls! On XX/XX/XXXX, I ran my credit report and found this notice. I called the collection company today and they told me that they do n't have to call me. I informed them that I moved in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: MI
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:
Delete Late payments from XXXX XXXX XXXX from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX   XXXX  formally  XXXX  had closed my account around  XXXX , this was done at my request. To my surprise, I attempted to open an account with  XXXX   XXXX   XXXX   XXXX  in  XXXX    XXXX   and was told that  XXXX   XXXX  was reporting an owed charge. I went to  XXXX   XXXX  and was told that when they were  XXXX , a merchant had charged my account for around {$120.00} despite me having cancelled the automatic withdrawal. Strange also was the fact that despite this 'charge ' I was allowed to close my account at that time without any issues so this was a big surprise several years later. Nevertheless, I paid the {$120.00} to  XXXX   XXXX  around  XXXX    XXXX  . I have been going back to  XXXX  ever since only to be consistently told that despite them seeing that  XXXX   XXXX  no longer says I owe anything, it is still showing up with Transunion. This is preventing me from opening an account with Transunion. Upon contacting Transunion, they keep saying it is cleared and 'they do not know ' why it is showing up. I think I have done all I can and do not know what more to do and it has been over 7 months.

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 2022-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I was given a bill for {$690.00} for an address I did not live in. I told this debit collector that was bothering me to stop and they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Experian Information Solutions 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:
Re : Experian Dear Experian, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My address of 25 years is XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that any address other that the above-mention be deleted. They are associated with crime ( s ) of identity-theft. You were also sent a copies of a sworn identity-theft affidavit and identity-theft report filed with the federal trade commission. However, these inaccuracies still remains on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT in which states that the reporting of inaccurate information shall be deemed as a violation. These addresses and misspellings of my name prohibit me from verifying my true identity with creditors. I have exhausted all remedies failure to comply shall lead to litigation.

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