BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.

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 2021-12-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
Received my report from ChexSystems after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from XXXXXXXX XXXX in the amount of {$1300.00}. I filed a dispute with ChexSystems and requested validation, they claimed the debt was valid and refused to give me documentation from XXXX XXXX  proving the alleged debt. I believe that Chexsystems is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.

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 2020-09-24
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I tried to buy a puppy from a breeder website ( XXXX ) in the beginning of XXXX, I sent an inquiry to the owner about a specific puppy named 'XXXX ' the breeder asked for half of the money through paypal ( {$490.00} USD- {$640.00} CAD ) up front and the other half when the puppy arrived. The arrival date of the puppy was supposed to be XX/XX/XXXX, however the breeder messaged me the XXXX saying that the puppy required a special crate and I needed to send him another {$1000.00}. When I refused to send the extra money the breeder called me and confronted me about not sending the money, I continued to refuse and asked for a refund. The breeder promised a refund within seven days ( XX/XX/XXXX ) I still have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, XXXX, our bank, XXXX XXXX, charged the regular monthly maintenance fee for our checking account of {$11.00} - being we could not afford to cover that fee at the time and the bank 's policy is to not charge overdraft or negative balance fees for deficits resulting from monthly or annual fees, we left the negative balance of - {$10.00} until we would be financially able to cover it. On XX/XX/XXXX, unknown to us at the time, a {$1.00} XXXX transaction ( which we thought was charged on our " XXXX '' debit card, also with XXXX XXXX ) came through our checking account, our balance became - {$12.00} and the XXXX item was returned the next day. In the process, XXXX XXXX charged a {$37.00} overdraft fee also on XX/XX/XXXX, in direct violation of their policy to not charge overdraft or negative balance fees for transactions under {$5.00}. We left a voicemail regarding this for our banker, XXXX XXXX, who is also the branch manager at the XXXX IL branch where maintain our accounts. We received no response, nor did her voicemail indicate we should contact an alternate contact ; we left 2 further voicemails without a response from XXXX XXXX or anyone at XXXX XXXX until this morning, XX/XX/XXXX. In the meantime, the {$1.00} XXXX transaction was resubmitted on XX/XX/XXXX and was subsequently returned today, along with another {$37.00} overdraft fee assessed against our checking account, again in clear violation of XXXX XXXX 's policy. The voicemail which XXXX XXXX left for us said that she had been in meetings the end of the week of XX/XX/XXXX and then out of the bank until today, the fees were charged being the account was already in negative status and she could not do anything in regards to reversing either of the {$37.00} fees. Our contention is this is a convenient way to bypass their own policy being the deficit was due to their own fee which their policy is to not charge for and take advantage of longtime account holders ; also, her lack of timely response, nor listing of an alternate contact on her voicemail while she was out an extended length of time, nor enlisting a bank associate to address this issue in a timely fashion, is also convenient way to incur fees which should not have been charged. Had the first fee been reversed, we would have covered the - {$12.00} deficit plus at least an additional {$1.00} for if the XXXX transaction was resubmitted in a cash deposit or bank account ( immediate funds ) transfer, and so the account would be no longer negative nor caused the second overdraft. To reiterate, these fees were both charged in cases in violation of their stated policy to not charge overdraft or negative balance fees for transactions under {$5.00}, nor for deficits occurring as a result of a charge of their monthly or annual fees,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt they are attempting to collect after I have shown proof it was included in my Bankruptcy.. it showed up on my credit report after I paid the hospital bill through the portal. I never received any documentation in reference to this old bill only the new account from the hospital directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian has a company that ran credit illegally going back to 2002 stated by XXXX XXXX was told by XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I was told they went back to 2002 then XXXX XXXX  went down my credit file and said they obtain the information from Experian. There is a statue of limitations by what state your in and there is no law that states Experian can use something 17 years ago as stated by XXXX XXXX. I did not give them permission or what ever company they used to go back 20 years nor can Experian provide me such a law state or federal that show Experian can go back for applying for credit. Experian sold or obtain information by XXXX XXXX with out my permission. I was also told Experian/ XX/XX/XXXX ran hard credit in which I'm not buying no house or agreed to such terms by XX/XX/XXXX. There has been a complaint filed with the state Real Estate Division regarding XXXX XXXX XXXX practices and other issues by XX/XX/XXXX XXXX XXXX stated to me they can go back and use credit 17 years ago. Experian also has an OPT OUT meaning that there not to share or have companies run promotional inquires. I have also filed on Experian at the US Attorney office and XXXX XXXX on there practices and how they cause damage.

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 2018-01-24
Company: Experian Information Solutions 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:
In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.

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 2019-07-14
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage with XXXX XXXX was modified under the Home Affordable Modification Agreement on XX/XX/XXXX after around five years of paying my mortgage to XXXX XXXX, XXXX XXXX sold the servicing of this note to Specialized Loan Services. Since then I have only had issues such as charges of {$52.00} a month because they were stating that on the there was a grace period ( couldn't tell me how many days ) and a charge of {$52.00} was needed to be charged. I talked to several people in the department beginning late XXXX of this year, then I was told to send them the note I was referring to, which I scanned and sent to XXXX ID # XXXX in XXXX. Later on I received a letter asking me to send the note again. I called and spoke to someone in the Bankruptcy department and was told the same thing. I then received an old note from XXXX XXXX before I filed Chapter XXXX Bankruptcy, I did not affirm the old note at the time since I went through a divorce and could not afford payments of over {$2000.00}, being the reason of bankruptcy. I was directed to speak and receive help XXXX XXXX and dealt with XXXX XXXX for over a year, in which they lost documents constantly so I thought I was going to lose my house and one day I received a letter of being accepted in Home affordable Modification Program. Furthermore signed the agreement I am sending you for your records. 
I called XX/XX/XXXX and spoke to XXXX ID # XXXX and XXXX ID # XXXX. Both rude asking and demanding I pay on time and have refused to transfer me to their bankruptcy department and have told me the payments I have made will not reflect the mortgage payment and will get lost in the system. The reason I couldn't pay by the beginning of the month is because I was an independent per diem federal government court interpreter and was out of work due to the shut down. I caught up and have been paying every month but not by the first and as soon as I have gathered all money before the month ends I sent payment with the additional late fee. At this time I have no solutions but to write and send you the existing modified agreement for you review.

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 2021-02-12
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity and this account is not mine I need this account remove ASAP if this can not be resolved I will have to use legal actions

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Selip & Stylianou, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from Selip & Stylianos because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only XXXX XXXX credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a XXXX XXXX bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and XXXX XXXX, in which XXXX XXXX responded with a letter dated XX/XX/XXXX. 
In this letter XXXX XXXX states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the Attorney Network ( NAN ) with the firm Selip & Stylianos, LLP on XX/XX/XXXX. This firm was previously called Cohen & Slamowitz , LLP. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. XXXX XXXX also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XXXX which happened to be a secured XXXX XXXX credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from XXXX XXXX or Selip & Stylianos regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.

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 2018-01-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a two accounts at chase bank, Sunday everything was fine come Monday I tried to use my debit card and the card was declined. I called Chase Bank and was told my accounts were closed and no reason could be given. My chase accounts were in good standing, no overdraft, funds stayed above a certain limit. Im stuck and confused, they really could not give me a reason why the account was closed the representative could only say they have no reason and when I receive an official letter that as well will be vague. I am highly disappointed and very angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2-19, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. Capital One is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. XXXX has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My dad has the same name as me ever since he left when i was a kid he has been using my social security number to open and try to open numerous accounts under my name cause hard inquiries on my credit report which effected my credit score harshly its making it hard for me to get an apartment or even try to open a account to build my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection agency added a report to my credit report including XXXX, XXXX, and XXXX. I do not owe this company any money. Contract was broken by the original company. The company posted on my credit report with out contacting me about the debt. Broke laws by FCRA and FDCPA. This company has not validated any debt. They have n't sent a copy of validation. They have broke laws. There is no copy of my signature stating I owe this company any money. I demand the company have this file deleted from all three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
While applying for a credit card offer with Citibank for a new credit card offer I received a letter of declination. In the letter of declination the reason stated were as follows : denied due to bankruptcy ; previous Citibank card had history of late payments ; current privileges on an existing account was restricted. The letter also stated that XXXX Credit Bureau was used to make the credit decision. So I obtained a current copy of my credit report but none of the negatively reported items mentioned by Citibank existed on my credit report to justify a denial. I called Citibank customer service to immediately resolve the situation. While explaining to a supervisor that I shouldn't have been denied credit based on the information provided in the XXXX credit report, I was informed that I wasn't approved because although my XXXX  credit report reflected that I was current on all of my loan / credit accounts to date, they had used internal information dating back to 2002 ( info which stated that I had filed for a prior bankruptcy that included one of their credit cards ) all of which was being used to base their credit decision on and deny my credit application. I explained that this information is not accurate and that I expect for all internally maintained or reported negative items be removed immediately following FCRA guidelines. I have requested to have all inaccurate information completely removed from any and all of Citibanks internal databases and reporting outside of the approved credit reporting bureaus ( XXXX XXXX XXXX ) following Fair Credit Reporting Act guidelines and due to inaccuracies in their internal reporting procedures, but to no avail.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
If a company does not own a loan portfolio anymore, they do not have the legal right to continue to report such to the credit bureau. It will amount to double jeopardy when you are eventually contacted by another company seeking to collect. 
I want XXXX XXXX to completely delete any financial report issued to the CRA on my name and identification since they are associated with the loan portfolio anymore.

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