BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or Madam ... I've been requesting the information for the Debit for a couple of months now ..I received a typed letter with the collection agency name on the heading stating it was the Bill ... so I went on Identify Thief.gov..and processed the paperwork requesting this information ... I sent to the Reporting Agency XXXX and to the Collection Agency ..United Revenue Corp ... XXXX opened up a dispute with my documents..I reached out the collection agency and was told they wouldn't be sending me any information and there wasn't anything else they could do for me and will continue to report to the credit bureau..I had my documents including my ID.. ( driving license ) .. Notices to Furnish., and Identify thieft report notized but my bank .. Requesting documents..I was told they don't have it and won't be sending me anything.. Reporting amount XXXX.this is not my account ..I have no contract with either company XXXX XXXXXXXX XXXX XXXX or United Revenue Corp .. Reporting date XX/XX/2013 5 years ago

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
investigate to see if i am owed any double overdraft fees my account no longer exists

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 2019-02-01
Company: United Revenue Corporation
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a medical debt on my credit-I reached out the collection company and requested a validation of the debt- The collection company sends me a a two page letter back telling me where the debt was from and that they tired to bill my insurance 8 months after the debt occurred. No documentation that I signed anything and this bill is due to a emergency room visit, but the company doesn't tell me which hospital I have requested this information three times-but I don't get really any information. My concern is that this debt is not mine and is due to fraud-I 'm a XXXX XXXX and between the years of XX/XX/XXXX-XX/XX/XXXX, I had an ex-employee use my info as hers. 
At this point-This company can't follow the simply validation process and is putting a collection on my credit that is doing a lot of damage. Why am I required to pay a bill ( so they can delete it off my credit ) if I don't even know which hospital I apparently went to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have obtained my credit report and noticed the company XXXX is reporting inaccurate information on my credit report. I have attached my account balance showing that I am not past due and also that XXXX is reporting conflicting information on my consumer report. 

Consumer reporting agencies have a vital role and have a responsibility to report to the best of their ability with Maximum accuracy. I am not late on this account, was not late the previous months on this account. Creditor : XXXX XXXX # XXXX. Please investigate and show proof that I was late. If proof can not be furnished I demand the account be deleted totally or ALL late payments be removed. Furthermore please discontinue reporting that a balance is owed to XXXX. There is no balance owed. 

Thank you

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 2019-10-28
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment. 

One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}. 

I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges. 

The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due. 
This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX - Complaint Number where your company stated, Our office is not reporting this account to any credit bureau XXXX 

Your company is furnishing information to my consumer report and it is harming my reputation and ability to move in commerce. You all are aware of my CEASE AND DESIST and I wish that you reframe from communication with me. Communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 USC 1692a ( 2 ). 

I have attached proof of what was sent by mail.

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 2021-11-01
Company: Flagstar Bank, N.A.
State: MD
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 XX/XX/XXXX, my wife and I were forced to file Chapter XXXX due to some financial hardships due to some medical issues. When we filed the Chapter XXXX, we were living at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and did not include the mortgage in our request for Chapter XXXX. 

I identified the discrepancy on my credit report and submitted my dispute in XXXX. On XX/XX/XXXX, XXXX completed the investigation and said the reporting was accurate. I disputed again through XXXX and called Flagstar Mortgage customer service approximately XX/XX/XXXX. I explained to Flagstar that the loan in question has never been part of our Chapter XXXX ( discharged in XX/XX/XXXX ) and that have been and continue to pay on the loan. Flagstar customer service explained to me that unless I have a letter from the Judge who oversaw the Chapter XXXX stating that the loan was not part of the Chapter XXXX, they could not change the information on my report. On XX/XX/XXXX, XXXX found in Flagstar 's favor again. 

I contacted my XXXX lawyer about what Flagstar explained and was told that because the XXXX was discharged in XX/XX/XXXX, the judge would not go back and provide the letter Flagstar explained I needed. 

I have been paying on a Home Mortgage through Flagstar since XX/XX/XXXX and not receiving credit for paying on time since XX/XX/XXXX. All I ask is that I get credit for what I am doing to re-establish my credit. 

Please provide any guidance that would be beneficial to get this resolved. 

Respectfully, XXXX

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 2021-08-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
About a year ago I asked PayPal to cancel my account and delete all my information. To this day I get emails about my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: KY
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:
I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have taken care of this balance in full. This is showing up derogatory on my credit report.

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 2019-10-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Fifth Third Bank dropped my credit score by 80 points ( from " very good '' to " good '' ) over {$3.00} in trailing interest they added to my credit card after I paid it off. At no point did I receive an email, phone call or text message letting me know the amount was due - despite my account information being current and my having signed up for text messages. 

It doesn't seem fair that my credit score has been impacted over such an insignificant amount in the manner that usually happens to people who fail to pay mortgages or default on car loans totaling thousands of dollars. I'll note that Fifth Third didn't report the amount of the default to at least one agency, so the mark on my credit is the same as someone who had missed, say, a {$2000.00} mortgage payment. 

I reached out to customer service on several occasions and was told " there's nothing they can do. '' An 80 point credit score drop seems out of proportion over my failing to pay {$3.00} I was unaware I owed ( and which, for the record, I paid immediately upon learning it was due. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
contact company about incorrect information on report and company refuses to take information off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian XXXX and XXXX have not changed my XXXX XXXX. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous item listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These item must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these item, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry:XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX.

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 2020-10-20
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a cross country move and charged the moving bill to my credit card on XX/XX/XXXX. The amount was over {$9000.00} and my credit limit is {$12000.00}. I made an {$11000.00} payment on XX/XX/XXXX by logging in to my credit card account and choosing " pay from bank account ''. I received notification on XX/XX/XXXX that the payment had been successfully made and credited to my account. On XX/XX/XXXX I attempted a charge with my credit card and it was declined. I phoned the credit card company and was informed that my card was declined because I was over my spending limit. While on the call, I logged in to my bank account and informed the credit card representative that my checking account shows the payment was withdrawn and paid to CitiBank Advantage on XX/XX/XXXX. I was then informed that Citi had placed a hold on my payment to prevent fraud. I inquired how often fraud happened by someone fraudulently paying off someone elses credit card. This was not to prevent fraud. It was to earn interest for Citi on my payment amount while freezing my account and not allowing me to make charges. My credit card statement was issued on XX/XX/XXXX and shows the payment of {$11000.00} to my account. I was still told that my account was over the spending limit and therefore could not be used until XX/XX/XXXX. This is unacceptable and yet they have refused to do anything about it.

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 2019-10-28
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since I finished my XXXX XXXX XXXX I have tried to repay the loan.. ( ( XXXX ) ..then due to different personal situations ( from XXXX thru XXXX ) I asked for a lower monthly payment ... after that last date ( XXXX my civil state changed ( widowed ) and the financial or economic situation got worst and I wanted to establish the most lower payment plan..every time I was directed to forbearances ..up to date my original loan has doubled the original amount ... what is going on is the company calls me on difficult hours and days and whenever I call to establish the arrangement they direct me to call again or in another time because they are busy or cant provide me with the XXXX translators. I have already since 3 years made arrangements with all my debts from other agencies and I have successfully got the arrangements ... but Navient is difficult to get the help I need. Thanks for your help.

Company response to consumer: Closed with explanation