BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: M&T BANK CORPORATION
State: MD
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:
I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After logging on XX/XX/2021 and using current user name and establishing new Password and new secret question, I returned to Trans Union Web Site to log on the very next day to check other information and FICO Score, I was unable to log on and access Trans Union website due to Trans Union XXXX XXXX " Changed my secret question, Blocked my Password and Blocked log on assistance.

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 2019-06-12
Company: Experian Information Solutions Inc.
State: MN
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 XXXX & Experian after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXXn You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX & XXXX DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX cred . their is no modification inaccurate information. 
XXXX & Experian Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 Experian is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing

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 2018-08-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
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:
I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.

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 2021-09-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Experian of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Experian didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Experian that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account Management Support - not my account ; was victim fraud - have provided info FTC report/ police report to Experian XXXX account removed by other agencies but not Experian

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 2018-08-29
Company: RMS-Recovery Management Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OK, I get this letter from a collection agency for {$630.00} for a college in Arizona ... I have never even thought about them or their college, my public records will show i have lived in XXXX, Ohio for my entire life ... and i called/yelled at them, yes, because they threatened to report it to the credit bureaus, n it's not even real, and i was hot, i have kept my score good all these years n here come these wackos telling me i owe a bill that i know doesn't/could n't exist ... so i studied online n i did my legal thing i disputed it certified mail with return receipt, which i got back, so i know they received it ... so within 30 days i wanted something/anything ... so i could fight that too, but in 30 days they sent me a SINCE WE HAVEN'T HEARD FROM YOU letter n i called n cussed out that lady n they just sent another ... they are harassing me, it's not real, n since then i have received a notice that my car whatever was expiring ... i do XXXX XXXX don't even have a license for 15 years, and it's from the same state so i figure they are harassing me more, i want them to leave me alone, i don't owe anything in collection, im all up to date, and i'd like to take legal action, because this is disgusting ... i went and scanned /usb 'd my docs so you can see for yourself, and thank you for listening, i want to cuss so bad ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a Paypal business debit card so that my friends who I do work for can send me money for work I've done for them and I can have immediate access to those funds without waiting for them to transfer to my bank account. 

I've used the card for about a year without incident. However, apparently I didn't realize that a charge had gone through and it overdrafted my paypal account by around {$75.00}. 

I was never notified about it. Never told my balance was less than XXXX. Had I been I would have tried to rectify it before today. 

Unfortunately, I am unable to work much right now as I have a XXXX illness that makes it hard to keep dependable hours. 

But I was able to do some user testing for XXXX the other day and got some XXXX gift cards in return. 

I need cash more than XXXX funds right now so I sold the gift card to a friend and asked her to pay me via paypal. 

I needed this money to pay for gas and food. I am sleeping in a friend 's couch currently and need desperately to be able to drive for XXXX and XXXX this weekend to make some money. 

But I can't now because Paypal took the money I had apparently owed them ( that again they never notified me about ). 

As a result I am in an extremely precarious financial situation. I don't know how I am going to eat or pay for anything going forward. I feel like I am dead in the water. 

I am terrified. I spent 45 minutes on the phone trying to get this resolved with Paypal today and they refuse to help me. 

I am attaching a screenshot of the transactions that were only reflected in my balance after my friend sent me money. Before that my balance showed XXXX. 

Paypal has violated not only fair debt collection regulations but also banking regulations governing overdrafts. 

Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Navient Solutions, LLC.
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:
According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Allgate Financial, LLC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXXHilco continues to verify a XXXX debt to XXXX, during the dispute process, that has been reported as fraud. XXXX/Hilco have received XXXX police reports from XXXX & XXXX from XXXX, and have removed their reporting to those credit agencies. The report from XXXX was from XXXX XXXX Police, & XXXX was from XXXX XXXX Police Department. There was fraud on my account with XXXX from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, & XXXX XXXX, XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, I have requested from you and your alleged furnisher XXXX XXXX XXXX for documentation Proof of service my wet ink signature and you nor XXXX have furnished those documents I have asked for. a notice of fault is now presented to you, ten days to answer { AL } L the enclosed question, Not hearsay or copies actual documents my signature of service and the information of your company that I requested. The Hippa Violation need to be addressed also

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 2022-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, GA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Machol & Johannes, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an alleged debt with the company Machol and Johannes. They are a law firm that holds my alleged debt that i previously allegedly had with a credit card company. I fell on hard times and was medically unfit to work so I couldn't pay the debt, in the event that it is mine since they have failed to provide any kind of verification for it. Now, I have a job, and I want to pay any verified debts i may owe. However, after phone calls from them, and my information displayed on their website saying I owe them $ , I sent them a debt validation letter through certified mail with a return receipt. I sent this letter on the XX/XX/XXXX, and they received the letter on the XX/XX/XXXX. I have not received a response as of yet. I was under the impression that they were required by the law ( fair debt collection practices act ) To respond within 30 days. It has been well over that. I can provide any other info you guys need. I don't have all the phone calls, but there were a decent amount. I just want them to validate their debt, but I do not find it fair that my debt is continuing to increase when they will not respond to requests to validate the debt so I know I actually owe it to them. I am in a state of being unable to pay them due to their inability or failure to verify it, meanwhile I am making them interest money. More precise details are below in the attachments i provided. Here is the name and address of their business. 

Machol & Johannes LLC XXXX XXXX XXXX XXXX XXXX XXXX, Colorado 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 2021-09-22
Company: American Credit Acceptance, LLC
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: Information belongs to someone else

Complaint:
XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account American Credit Acceptance - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. American Express says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chase XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} and shows XXXX $ then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.

Company response to consumer: Closed with explanation