BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Profit Services Group
State: GA
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:
I was sick with XXXX  XXXX and was having a hard time XXXX so I went to seek help from the XXXX XXXX XXXX emergency room on XX/XX/2020 and XX/XX/2020 approved as a provider with my health insurance. Because the treatment was XXXX related, the bill was to be covered 100 %. I only learned after many calls to the provider and the health insurance carrier that the doctor who treated me in the ER was not on the approved list of providers, although the hospital was. I had no way of knowing that. I tried talking with the provider, XXXX XXXX XXXX XXXX  who continues to refer me back to the collection agency where the debt was sent. This has had an negative affect on my credit and the collection agency wants me to pay them in full in hopes of removing the negative action on my credit report. The provider did receive some funds from the insurance company but they billed me for the additional {$1800.00}. I also talked with them about House Bill 888. The provider sent the bill to the collection agency without given me any notice.

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 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 had a mortgage with Bank of America ( Account XXXX XXXX ). BofA has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.

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 2018-04-15
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:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Capital One Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
please remove all incorrect information FCRA VIOLATION wrong name, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXS XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX AD XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX BANK AND TRUST Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Payment never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-22
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent Affidavit, Letter of explanation, as well as Police Report to credit bureau and they said it was verified and that is impossible, because they did not show any proof of that and I showed all the proof.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  is trying to recover a debt I never made and a XXXX debt I never been to or use Please someone I have never been to XXXX XXXX XXXX XXXX or any emergency room in XXXX XXXX I am a veteran under the v. A. The Insurance would have paid any XXXX debt owed Which means this is fraud someone claiming to be me please show my signature signing the XXXX treatments and bill and why was I there

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 2021-04-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX myself and my boyfriend applied for an apartment with XXXX XXXX XXXX in XXXX California. We submitted two separate payments of {$35.00} for apllication fees and {$250.00} for a holding deposit. I received an email from XXXX who is the property manager and he stated the {$35.00} is non refundable and the {$250.00} is based on the out one of the crefut check. Meaning if I'm denied I get it back. I was denied and asked that the {$150.00} be refunded to my card. I was told it couldn't be and corporate would send a check. I never got a check and I went through my bank to dispute it. My bank, Chime gave me a provisional credit and then last week told me they completed the dispute and no error was found and that they would now take the {$250.00} back as of XX/XX/XXXX. I contacted and spoke to a floor manager twice to have this dispute reopened. I was given the pdf they used and it's a rebuttal that's not on letter head and says they charge $ XXXX for an app fee and I agreed to it and knew it was non refundable. I submitted Chime with all the emails to prove it was a holding fee. And on the bottom of their pdf it states how the charges were to be seen on my statement. It showed two {$35.00} app fees and one {$250.00} holding fee. I was told my dispute would be open and the money would not be debited. However today it was now I'm negative and they will not reopen and they are standing by the merchant stating {$250.00} is an application fee although I was only charged once and there were two of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.

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 2021-01-20
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I co-signed an auto loan in XX/XX/2020 with my son through PNC bank for an auto that we both own jointly but that he drives. He had an account with the bank and it set up auto pay for the loan from his account. Of course, soon after that he lost his job due to XXXX. PNC closed the account that he had set up the auto payment on because he overdrew it by {$70.00} ( his fault ) and didn't pay it back quickly. I have continued to make all the monthly payments on time from my account. ( My son is working again and gives me the money to make the payment. ) The problem is that PNC kept trying to collect a payment from the closed account that was set up for the auto pay, along with insufficient fund charges and late fees. I went to the local branch and an officer said that he should have cancelled the auto pay but admitted that he couldn't because he can't access his closed account. The officer canceled the auto pay but said he did not have the authority to cancel the fees. The branch manager told me the same thing. ( Mostly she does not return my calls! ) We keep receiving threatening letters from PNC and collection agencies threatening to repossess the car. We have also called the auto loan department. ( Same response- we have to apply for a fee waiver that we never receive. ) I called to ask for the regional manager 's phone number but was refused. Once again, PNC has received EVERY payment on time and in full! Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: National Credit Systems,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: Account information incorrect

Complaint:
I have recently tried to file disputes with all 3 credit bureaus ( XXXX XXXX and XXXX ) because National Credit Systems who is a debt collector has reported to my credit and my husbands credit an account that does not belong to us. They are reporting that the original creditor is XXXX XXXX we have never signed a lease with XXXX XXXX or lived at XXXX XXXX XXXX. WE DEMAND If national Credit Systems does have proof of a contract to show it to you and you will see creditor name listed on it if we did sign a lease with their original creditor is not National Credit Systems. I want the collection account they are reporting to be removed because they are reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent XXXX XLM ( XXXX XXXX ) from XXXX to coinbase on XXXX around XXXX XXXX EST. This usually takes at most 15 minutes. This time it was taking considerably longer but the transaction still said pending on XXXX so I wasnt worried about it. I then read that there was an issue with the XXXX  network but XXXX and the exchanges were looking into it. Around XXXXXXXX XXXX that same day, I received notice from XXXX and XXXX XXXX that the problem had been resolved. Within an hour, my transaction showed successful on XXXX end but still no funds were received on coinbase. I gave it some time and then when I realized other people were having the same issue, but only on coinbase, I started a support ticket with coinbase. I received a vague automated response stating that they were aware of the issue and working on it but it has been over 24 hours now and I havent been updated, nor has anyone else who is experiencing this issue. They seem to still be blaming it on the XXXX network but the issue has been long resolved on XXXX end and every other exchange has seemed to have figured it out except coinbase. This isnt the first Im hearing about funds disappearing on coinbase and it doesnt seem like this type of thing gets resolved very often without some sort for mediation. The worst part is, theyre not even attempting to warn anyone that there is an issue and are continuing to allow customers to attempt to send/recieve funds and all are just ending up in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Fair collection and out, reported to my credit report, I do not have a contract with this third-party debt collector. The company can not produce a contract between Fair Collection and Out and I ( sent cease/desist ) ; Fair Collection and Out can purchase my debt, but not my personal information ; this id a infringement of my rights to privacy ; If the debt was sold, I have a right to know how much it was sold for, the commission amt. If the debt was fulfilled ; if insurance covered the debt ( premium/collateral ). Violates 15 usc 1692 ( e ) ( 11 ), 15 usc 1681 thus, if a bad debt was furnished to any consumer credit reporting agency, my reputation is in fact ruined ; oppression/hardship is real.

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 2019-02-18
Company: Experian Information Solutions Inc.
State: AL
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. 
My complaint is against USAA Federal Savings Bank. Here is the timeline of what happened. 
XX/XX/XXXX. 
I deposited {$1300.00} by draw from work to USAA VIA on Line App. 
XX/XX/XXXX. 
My truck is broken into. Wallet is stolen with debit card and documents. Break in and fraudulent debit card activity was been reported to USAA. Debit transaction reversed. USAA i also my insurance company and they paid property claim. 
XX/XX/XXXX. 
I receive a call from XXXX, CA XXXX. Detective XXXX had arrested a man with my ID over the weekend. I gave them permission to press charges and shared XXXX PD report number with them. 
XX/XX/XXXX USAA Reverses my initial deposit and debits my account {$1300.00} because of fraudulent activity that had already been reported. I report all information to USSA and they ay they will resolve in 10 days. 
XX/XX/XXXX USAA reports that they find no fraud and I need to go after the criminal, even though they have police reports. I explain that I do not understand how my account deposit is not protected. They tate that electronic deposit are not FDIC insured and it not there responsibility to protect and help with personal fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Self Financial Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( Self Lender ) will not remove late payment due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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:
I sent a letter to EquiFax, disputing the validity of XXXX XXXX XXXX Account # XXXX ( attached ) on XX/XX/XXXX which they received on XX/XX/XXXX XXXX ( attached ). They stated they verified the account, so I sent XXXX XXXX XXXX  a letter myself and they in return sent me a letter saying they have no account under my name ( attached below ). EquiFax needs to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Constant phone calls, multiple times per day. We do not know these people and have not charged anything with them. A credit card was applied for, but nothing was supposed to be charged ( paid at point of sale, not charged ). Been harassment ever since. One of the companies that try to get someone to to " sign up for discount '' we have never even received a card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I  CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. im not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently. my email linked to my paypal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: ENCORE CAPITAL GROUP 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:
MIDLAND Funding Is harassing me about a debt that is not mine I have already disputed this charge that is closed on my account but it needs to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
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 of 2020, I entered into a deferment with Toyota Financial for several months due to the covid and losing employment. My deferment was ending in XXXX of 2020. I was turning the vehicle in as early lease termination since the lease would be up in a few months anyway I could no longer pay for it due to the impact of Covid. On XX/XX/XXXX I was admitted to the hospital for emergency XXXX. Which I provided documentation. On XX/XX/XXXX I became extremely ill and was hospitalized and tested positive for XXXX. I remained in the hospital until XX/XX/XXXX. I was still under XXXX  due to a lingering XXXX  and on and off again XXXX. ( documentation provided ). I called Toyota Financial immediately and told them I couldn't return my vehicle until I was released from quarantine. I was released on XX/XX/2020. I called Toyota and was told someone would call me back within 10 days. On XX/XX/XXXX I called them since no call was received. They told me to find a local dealer and return the vehicle. I returned the vehicle on XX/XX/XXXX ( documentation provided ). I told them I was concerned about the credit reporting. The supervisor told me she would make a note to the account and I could dispute it. Which I did, two times with Toyota financial and two times with all 3 bureaus No one removed the 30 days late. This is unfair and It was a result of a pandemic and being contagious with a serious virus.

Company response to consumer: Closed with non-monetary relief