BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXXn, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}. This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a US Soldier, and I am called to deploy at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on duty. I notified XXXX XXXX in writing before deploying that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from deployment that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-06
Company: CarMax, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I called continuously to get a payment plan or a lower payment and was denied. Car was eventually repossessed and I fell behind only because I went on XXXX XXXX and it wasnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
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  Account XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 2021-10-17
Company: EQUIFAX, INC.
State: VA
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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I transferred {$5000.00} from an account I had at BBVA to an account I have at XXXX Bank. On XX/XX/2021, I transferred another {$5000.00} from the BBVA account to the XXXX Bank account. Only XXXX  of the transfers came through. PNC subsequently purchased BBVA and is refusing to find the missing money and return it to me. My bank statements from BBVA prove that XXXX transfers were made. My bank statements at XXXX Bank prove only XXXX transfer arrived. My personal banker at XXXX Bank looked into it and only saw XXXX transfer. PNC agreed to send me the tracing number but did not. And now, they are saying because more than 6 months is passed they are not obligated to return my money. All I am asking is for the return of what is legally mine and there is sufficient evidence to show that XXXX transfer was lost. They won't even research it because my guess is that they can't since it was BBVA. But they purchased BBVA, which makes them liable. I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.

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 2021-09-13
Company: Credit Management Control, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I demand you agency to remove this incorrect report as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
In XXXX I received an auto loan to purchase a XXXX XXXX XXXX with XXXX XXXX. The car was repossessed in XXXX. In XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif XXXX had dismissed the case. I do have a notice of dismissal from New York State.  Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact XXXX XXXX legal department and I have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase with XXXX on XX/XX/XXXX of this year. Rather than use my credit card to make the purchase of {$1900.00}, I took advantage of their 18 Months Deferred Interest offer to use XXXX  's credit card.

I received my order in a timely manner and the goods were not damaged in any way. 

In late XXXX, I received a phone call from XXXX XXXX regarding payment. They notified me that I was 30 days past due. I apologized and promised payment when I did my bills for XXXX. I asked at that time how much was due. The amount stated was {$140.00}. Shortly thereafter, I received an actual bill from XXXX   with the amount due at {$140.00} I authorized payment through my bank on XX/XX/XXXX for {$150.00} ; my bank processed the check on XX/XX/XXXX and the check arrived at XXXX 's PO Box on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another bill from XXXX XXXX/XXXX. The billing cycle had ended on XX/XX/XXXX and no payment had posted. I checked my bank and no check has cleared though they had tracked the payment as received in XXXX XXXX at the creditor 's PO Box . 

I called XXXX XXXX thereafter to discuss the matter this morning. I was asked for my account number, which is NOT plainly indicated on the statement, and shared with no less than 4 people the situation that I needed to resolve. I was also informed on this call that I should have received a welcome packet with my first bill, of which I did not. While on the phone with XXXX, I was told the only way I could resolve this issue was to set up an account online so that I could communicate with them and share my bank documentation. To resolve this issue will take 48 hours or more as the people responsible for receiving and posting payments are not customer-facing employees. 

Upon closer inspection of the bill I received today, XXXX has charged me a {$38.00} late fee and {$2.00} Interest Charge. Please remember that my purchase was supposed to be interest-free for 18 months. 

I also called XXXX Customer Service today and explained that I believed their Credit Card partner to be somewhat dishonest and not helpful in resolving the situation. 

This afternoon, I received TWO credit alerts that XXXX/XXXX has reported that I have newly reported delinquencies on my credit report. Now I will be forced to fight credit bureaus with this situation so it does not impact my credit score.

It seems to me that XXXX XXXX   is attempting to earn additional fees by 1 ) not sending my first statement, 2 ) charging Late Fees when payment has been made, 3 ) collecting interest that is not due or causing my payment to be late so that they can skirt the terms of the agreement that I made with XXXX to make timely payments in exchange for 18 months Interest-Free financing. 

I believe that XXXX and XXXX need to be audited for their questionable lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Total Auto Finance
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company listed an account on my credit report that I never had with them. I never had a an account with them nor have i signed any contracts with them at all. They are illegally reporting an account that I did not authorize the opening of. This is identity theft, I have never had any accounts with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a retired court reporter. I sold my 'writer ' online and the buyer paid through PayPal . The amount is {$3200.00}. This amount is unique, as most of my PayPal transactions have been for amounts less than {$100.00}. 

PayPal refuses to release the money! They are 'investigating ' and have interviewed me twice to explain my transactions. I know they have to guard against fraud, but I AM NOT A DRUG DEALER! 

This delay has been going on since XX/XX/XXXX. My question is, what is PayPal doing with my money in the meantime? I know banks make money on the 'float. '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Listen to me, this is unfair! I need a 100 % accurate and correct report. Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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 is missing that should be on the report

Complaint:
Experian has removed TWO of my accounts without any reason and is not reporting one of my accounts. 
The two accounts that removed without a reason are XXXX Bank and XXXX XXXX XXXX. 
The Account they are blocking is XXXX XXXX XXXX XXXX XXXX XXXX ). ALL of these accounts belong to me, are in good standing, are valid account, and paid on time with an exceptional payment history. These are not fraudulent accounts. They belong to me. There is NO reason why these accounts should have been removed from my Experian Credit Profile.

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 2018-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last month I never received my statement via mail or email. I called the company and paid my bill in full and informed them I did not receive a statement. They removed the late fee. Again today I happened to call to check my due date and found out it was yesterday and again I did not receive my statement. I would like my late fee waived because this is no fault of my own. I only called because I thought this was around the time the bill is usually due. I should not have to guess. I need my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
This is my second complaint, I have not heard anything on the status of my complaint. My complaint is that I cleared up all of my negative collections on my credit reports and XXXX went up 57 points and Transunion made a mistake and dropped it down 57 points. I called them and explained to them over and over and they just tried pushing me to get credit monitoring and than charged my credit card for XXXX for something they said was free for a month. I have talked to so many people and instead of fixing their mistake they keep giving me the run around. There is noway my score went up one one report and than down on another that many points for clearing up all of my negative items. I cant seem to find a way to contact the CEO of this company or even talk to someone that can fix someones mistake. I am at a loss of what to do. I filed a complaint a week ago but have not heard a thing on what is going on with it. I am not sure what to do at this point. This is beyond ridiculous that they wont even admit their mistake and I have to pay the price for it. I have worked hard to get my credit score up and now because of their mistake I am worse off than I was before I cleared it up. Please help me with this matter.

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 2022-03-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To whom it may concern. 
My full name matching my passport XXXX XXXX. 
XXXXm from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to ZERO enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 my USAA account was compromised and locked. I received a check for services rendered upon depositing the check it was cleared. A couple days later my account was locked and upon calling USAA i was told that the check was bad and that my account was closed. I had no time to discuss the matter and even after calling i was Told its nothing that can be done. I refuse to be at fault for a bad check that didnt come from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello. I am writing to get help on unfair pratices used with credit and debit card checking accounts via chase bank. I recently authorized a payment in the amount of XXXX to a company called XXXX for credit repair services on XXXX XXXX XXXX, XXXX. I orginally authorized only XXXX} and when I saw the XXXX  charge, I called the representative at XXXX and they explained that they erroneously forgot to mention that an activation fee of XXXX would also be assessed. I saw the charge pending on my checking account via mobile banking on XXXX XXXX XXXX, XXXX. On XXXX XXXX, XXXX the payment was shown as posted and paid. I also used my debit card for other items as well during this time frame. I check my account regularly and noticed that all was well and I had no issues with NSF fees at all. On XXXX XXXX, XXXX my account had a positive balance of XXXX}. My husband sent me a XXXX payment of XXXX. I noticed that the funds later in the day was not shown as available after using my debit card for a purchase of XXXX. When I called Chase bank on XXXX XXXX XXXX, XXXX in the evening the representative stated to wait 24hours up to 3 days for posting since my husband sent from another bank and not Chase. Today on XXXX XXXX, XXXX the very next day, I checked my account and NOW see 3 NSF fee 's assessed and debits previously posted and paid now REVERSED because CHASE bank knew the charge from XXXX in the amount of XXXX had fallen off due to their rules I was told this morning that if a creditor does not accept their payment within 3 to 5 days from the date it was initiated, the payment then falls off and goes back as a credit to the consumer Me. Now, I feel that yesterday evening when XXXX DECIDED to take their payment from XXXX XXXX, XXXX, they should have shown up on my account yes, but as a pending charge for that day 's banking debits and not back to the original date and the bank is WRONG to reverse other debit entries that had already posted and had been paid. I am now being charged XXXX} times 3 XXXX in NSF fees and the initial charge itself from XXXX should be questioned. I asked the bank to restore my account and I was told NO. This is wrong.

Company response to consumer: Closed with monetary relief