BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX I purchased a car for {$11000.00} at XXXX XXXX XXXX in XXXX, Illinois. I put down a deposit of {$2200.00}. The car had XXXX miles on it. 
I paid an exorbitant price for the car for the sole purpose of improving my credit rating. The salesgirl told me that my payment history would be sent to all three credit bureaus. At the time, there were many inaccuracies in my credit rating. 
Since then, I have never been late on a payment. I cleared up all 19 inaccuracies on my credit reports. However, the finance company is only reporting to XXXX  and refuses to report my credit history to either of the other agencies. 
On XX/XX/XXXX I called the finance company , Drive Now Acceptance LLC. I explained the circumstances to the representative. I requested that they report my ( perfect ) credit to XXXX and XXXX. The representative refused. 
Additionally, since my purchase, I have been diagnosed with a XXXX XXXX and XXXX and have had to stop working. My XXXX income and an early pension ( which will go down to almost nothing in four years ) only come to $ XXXX/month. I would like to trade down for a smaller car with smaller payments. Drive Now also refused to discuss that. 
On XX/XX/XXXX I spoke with someone from your agency and she suggested I file a complaint. 
I really hope you can help me with this. I need to sell my house and rent due to my financial circumstances but I can not pass a credit check by a potential landlord until my credit is reported to all three bureaus and no longer reads " unknown ''. 
The car was purchased at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Their phone number is XXXX. 
The finance company is Drive Now Acceptance LLC, located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. 
I still owe approximately {$6000.00} on the car because of the incredibly high interest rate. Please help me. I can't get a credit card or rent an apartment because Drive Now went back on the salesgirl 's promise to report my credit to the three credit bureaus. I have literally gone without food just to stay current on my $ XXXX monthly car payments. I don't have any family to help me out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}

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 2020-06-30
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer of {$430000.00} yesterday from XXXX XXXX XXXX XXXX ( XXXX  ) to Citibank to my fathers account. XXXX stated that the funds left my account on XX/XX/2020 at XXXX. As of XXXX on XX/XX/2020 the funds were not placed in my fathers account. I believe Citibank is holding the funds for some reason and not crediting them to my fathers account. He needs this money to pay NYS taxes. The reason for the wire transfer was so that he could have access to the funds immediately.

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 2018-09-22
Company: Hirshberg Acceptance Corporation
State: MI
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:
On XX/XX/XXXX Hirschberg Acceptance ILLEGALLY submitted a hard inquiry my credit report with malicious intent. I called them On XX/XX/XXXX to request a removal and purpose on the inquiry and they stated there was no reason. They are upset because I won a court case against them in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.

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 2017-11-12
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: Account status incorrect

Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: FULTON FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi, On XX/XX/2018 I placed a call to inquire about a new monthly interest charge I was receiving because I wanted to pay off the portion of the current balance that was causing these charges ( XX/XX/2018 for {$10.00}, XX/XX/2018 for {$2.00} ). The following charges on my account I believe were to be causing the interest charges : XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 I want to pay off these charges on my balance in order to avoid any further interest charges. Currently the employee over the phone stated that I must pay off the promotional balance transfer offer first and then I would be able to pay these charges off after to avoid interest. This makes no sense to me as they allow you to do this for their consumer credit card but not their business credit card, why? I also complained about this before and had to get in touch with a manager last year who did refund my interest charges. 

Prior to these charges, I was sent a series of promotional balance transfer checks that I wanted to use for my business. I have paid the balance promotional fees required for each check I took out but now that I am paying additional interest charges, this seems like XXXX XXXX XXXX is trying to take advantage of me as a small business and charge me on anything else possible despite being a loyal customer for several years with great credit and very good record.

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hard inquiry reported on my TransUnion credit report on XX/XX/2018 by XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. 

I did not request any credit from this company. I do not have a credit card with this company. I have not shopped at this company for over 20 years.

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 2021-06-23
Company: Experian Information Solutions Inc.
State: OH
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 Experian about this issue and it has not been resolved. This has been detrimental to my credit. It dropped my score down over 130 points. I have reported this issue since XX/XX/2021

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 2021-06-23
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested verbally and by written statement that equifax remove these inaccurate and fraudulent accounts and inquiries off of my consumer report according the correct protocols by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX notified of credit report having a collection account added for XXXX from drs Never received right to dispute letter. 
I do not owe this bill. I contacted XXXX XXXX and XXXX XXXX and they both say I dont have a bill due. 
In XX/XX/2020 a company called XXXX XXXX  tried to collect the same debt and found the debt was not owed. The company said they would delete this and the account would not get sold since it was a fraud collection attempt. 
Now here it is XX/XX/XXXX and XX/XX/XXXX and a company drs has placed the same account on my credit reports for the same account. XXXX XXXX and XXXX XXXX have said nothing is owed. 
This bill collection is a scam and fraud. 
Also, they never sent a notice to dispute. 
Also, I was told this account was moved for deletion by XXXX XXXX back in XX/XX/2020 since it was fraud collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have a card with Capital One - about two years ago I experienced a financial hardship ( divorce & my mother unexpectedly passed away ). I was forced to pay both rent in XXXX XXXX and my mortgage. I understand that the default was my issue and I had an agreement w/ Capital One to make monthly payments, which I failed to do for a a few months. The account did not charge off, but instead is restricted. 

I called and spoke with an employee and was told that once an account is restricted it's basically closed until I pay off the balance. I understand this as I did miss several payments, but why not just close the account if they have no intention of restoring use? 

Where I take issues is 1. they have effectively closed the account ( as I was already told the account will never be reopened. ), they do this to avoid Reg-B requirements to issues an adverse action notice and 2. they have the audacity to continue to charge me a membership fee of {$39.00} for a membership I can not use. 

This is abusive as it take unreasonable advantage of me as a consumer. I'm not asking for a handout, like the one Capital One got from the government during the XXXX recession, but to be treated fairly. If they are going to close the account, close it and stop charging me membership fees. They aren't a credit union anyway - how can they have a member fee? They are losers who failed multiple times in the mortgage space. They have a history of UDAAP violations, as evidenced by the XXXX consent order where they were tricking customers into signing up for their credit protection / monitoring service. 

Lastly, I set up autopay to pay {$100.00} a month until the {$700.00} balance was paid off, they stopped drafting the {$100.00} and began to only draft {$15.00} - which will take forever to payoff - another UDAAP violation. They should change their name to UDAAP Bank N.A.

Capital One needs to be investigated for their continued UDAAP. Enjoy the read XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXXX-2017 to Debt Recovery Solutions that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Debt Recovery Solutions to removed incorrect information off my credit report. More importantly, Debt Recovery Solutions are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XXXX Here are the requested documents to remove my credit freeze so I can reset my XXXX  account and take care of my financial business.

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 2018-02-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to complain No. XXXX. They continue lying about this issue. They want to talk about something is been talked for over 15 times. The only thing that are doing is gaining time and keep sending letters about dead lines I have to meet, when I requested communication on writing the denied it, they only thing write what is on their convenience, the rest is meaningless. I was a XXXX employee, now work for XXXX XXXX XXXX, and this time my hopes are in the Government since you are the only ones who have the power to stop to this madness. My only possession is this house I been paid for over 14 years and they want it either way.

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 2018-08-10
Company: AMA Advisors, LLC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
CONTACTED SERVICER XXXX=CUSTOMER SERVICE REP STATES THAT XX/XX/2018 ESCROW ANALYSIS WAS COMPLETED AND SENT TO BORROWER VIA US MAIL , SHE PUT IN ORDER TO EMAIL ESCROW ANALYSIS, AND WE SHOULD GET IT IN 24-48 HOURS THE CURRENT PAYMENT AS OF XX/XX/2018 IS {$680.00} UPB $ XXXX..UNAPPLIED/SUSPENSE BALANCE $ XXXX.SHE TRANSFERRED US TO DEFAULT DEPT ... .... 
1ST REP XXXX/ID XXXX=SHE STATED BALANCE DUE WAS XXXX 3 MONTHS DELINQUENT BREACH LETTER WENT OUT. 
1ST REP XXXX/ID XXXX ... SHE PUT IN TICKET/CIT REQUEST TO REQUEST THAT FUNDS IN UNAPPLIED BE PAID TO XX/XX/2018 PAYMENT, SHE PUT IN THE SYSTEM THAT THE BREACH LETTER IS NULL AND VOID NOW. THE BALANCE SHOULD NOW BE {$2300.00} ONCE UNAPPLIED FUNDS POST TO ACCOUNT.

WE ASKED IF THIS BANK ERROR, ( SENDING PAYMENTS BACK SUCH AS XX/XX/2018 RETURNED {$580.00} THAT IS SET UP ON AUTO DEBITED FROM HIS CREDIT UNION ACCOUNT BY HIS CREDIT UNION ) HE WOULD HAVE LESS OF A DELINQUENCY BALANCE AND SHOULD NOT HAVE INCURRED ANY LATE FEES. REP RESEARCHED THIS QUESTION AND STATED=SHE FILED ANOTHER CIT TICKET TO HAVE LATE FEES REMOVED FOR XXXX, XXXX AND XXXX WHICH is PENDING AT THIS TIME, REP NOT SURE HOW LONG THIS WILL TAKE TO ADJUST.. MR XXXX REQUESTED THAT THE ADJUSTED/CORRECTION BE EMAILED, REP STATES IT WOULD NOT BE READY SINCE SHE  JUST SENT THE CIT TICKETS, HE WILL NEED TO CALL BACK TODAY OR TOMORROW. 
As of this date they have not completed the CIT tickets Completing the tickets would give me the actual balance due in order to bring my payments current. I pay my mortgage through my bank auto-pay. My payments were never late. 
They force applied insurance when I have insurance, made payments to the insurance company out of my mortgage payments. Wanted me to pay them {$3800.00} by XX/XX/2018. 
Charged me late fees when I was never late due to auto-pay. 
Have not completed CIT tickets so I can bring my account current.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Today 6 times I called Capital One to get my {$99.00} refundable security receipt. I spoke to a girl in their " executive suites '' and all she did was lie to me and interrupt me. 
I want a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/XXXX I mailed in form to to get the 3 free credit reports. I have only received one from XXXX. Transunion sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from 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 2020-09-23
Company: JPMORGAN CHASE & CO.
State: IA
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 a loan with Jpmcb - Card Service, XX/XX/XXXX and Us Department Of Edu. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XX/XX/XXXX, Jpmcb - Card Service, XX/XX/XXXX, and Us Department Of Edu with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to the debt collection company below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX On the date XX/XX/2018 to validate this debt as they are trying to collect is not mine. I contacted the original creditor for verification and they responded they did not have an account for me. 
I'm including all the letters and responses in this complaint. 
They are reporting invalid information on my credit report per FDCPA and by law it must be removed. 

Original Creditor Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Received response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief