BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.

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 2020-08-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019 ),  moreover I was never 90 days late ( XX/XX/2019 ), lastly I was never 120 days late ( XX/XX/2019, XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts were opened around the same time, back in the early XXXX 's, and it's well over the XXXX. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX  's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity has been stolen, probably as a result of the 2017 Equifax security breach. 
By getting access to my social security number and other personal information, ciminals have applied for unemployment in my name. They are opening up bank accounts without my knowledge. 

I have been unable to reach Equifax to freeze my account. I can not reach any agents by phone or email. Their automated services do not work. 

I have been on hold up for over four hours at a time without anyone answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: CA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX DE XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: World Acceptance Corporation
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 information incorrect

Complaint:
World Finance is reporting an erroneous account on my XXXX  Credit Report that is a different account number from my XXXX  and XXXX  accounts. There are two different accounts listed on my XXXX  credit report from this company ; one is XXXX, and the other, correct account that matches my other two credit reports is XXXX. I've only had one account with this company. I previously disputed this account and it was removed from my XXXX and XXXX  credit reports, but it still remains on my XXXX  credit report and is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AMEX HAS A INQUIRIES ON MY XXXX CREDIT REPORT THAT ARE NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Trading App Robinhood. 

I believe that my transfer amounts were not correctly reported. 

I know definitely that I have 2000 in transfers not being recorded. 

I have XXXX and I am sure that between that account information and what Robinhoodbis showing there seems to be multiple discrepancies. 

I would like to have my accounts investigated if possible. 

I also will include ... although a separate issue all together that they are also on numerous occasions listing fraudulent information and preventing purchase and selling price at it's market rate. 

I will hope our government would not allow or condone practices which disguise thievery as investment opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX On XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX XXXX XXXX XXXX also sold my account over to GRANT & WEBER which are not attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my 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 2018-03-08
Company: National Credit Systems,Inc.
State: LA
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 XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Consumer Portfolio Services, Inc.
State: VA
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 XXXX/XXXX XXXX XXXX and CNS PORT SVC. 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 XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX  and CNS PORT SVC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Not my account listed

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 2018-03-08
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, American Express initiated contact with me. I received a gentlemen on the Credit Review team who proceeded to go over the status of my account. Within the parameters of the conversation, this individual was making veiled threats that seemed to point to negative credit reporting, the account being sent to an outside agency, and the likes thereof. Keep in mind, all of this even though I had made several apparent statements intending on paying the full minimum amount due by the week of XX/XX/XXXX. Relentlessly, that was not satisfactory to him ( or American Express ... I can not decide which ). This was followed by repeated unprofessional tones and outbursts by this individual who claims to maintain professionalism at all times. I do not and WILL NOT tolerate any behavior like this from anyone. As of the time of this writing, I am reviewing this incident with a lawyer who will direct me on what steps to take regarding this situation. Someone will be reaching out to American Express in the coming weeks to further establish the situation and I, the cardmember, demand a direct apology from this individual and American Express jointly. In the interim, American Express hardly maintains transparency between its employees and contractors. There are repeated discrepancies that continue to become a concern when trying to make attempts at making the account current. With regards to Payment Programs, many American Express handlers either do not know what exactly is required, or assume what is and isn't required in order to keep a Payment Program. In the aftermath of being removed from a Payment Program, at no time other than the date of this writing, did anyone mention that keeping Auto Pay on a monthly basis was required in order to keep the Payment Program. The individual whom I spoke with seemed to insist that instead of them acknowledging they made a mistake, that it all comes back to me taking ownership for the account. I will not take ownership of the account, until American Express starts maintaining consistency with respect to communication and fair use. I will not be held responsible for mistakes that American Express mistakes, and nor should I be made to feel that way. American Express is shamed in doing this and should admit their wrongdoing instead of attempting to turn everything back on me. If I, the cardmember, am not able to satisfy my debts, then that's on me. I'm still going to hold American Express solely responsible and liable for faults of their own regardless of the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: VA
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 DSNB BLOOM, XXXX, and DSNB MACYS. 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 XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: NY
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:
My credit score with experian is a XXXX compared to a XXXX with XXXX & XXXX with XXXX. Nothing on that credit report justifies a poor score. The only " repair '' they recommend is opening an additional 2 credit cards, which is ridiculous. Please advise on how I can fix this, I have been working exceptionally hard at improving my score for well over 5 years now ( talk about running in mud ) If I need to take out a loan for an emergency I would be sunk because of this score.

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 2018-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company called Portfolio Recovery keeps on calling my business at all times of day and week using different phone numbers from different states and I have  never had a business credit card some of the dates and times are XXXX-18 at XXXX XXXX from California number XXXX XXXX-18 T XXXX XXXX from new jersey number XXXX they also have called from Georgia, new York, texas, and some other states and I have asked them to stop calling my business and they have also called as late as XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My PayPal account was shut down without any warning. This was a major part of my income. They said it was because of the XXXX  that I was selling on XXXX however this is only one of the products I sell through PayPal and XXXX only contributed to a small portion of my income. I purchased the Caffeine from XXXX with PayPal and sold it to consumers and accepted PayPal so there was no way for me to know that this was against PayPals policy if i purchased it from a supplier that accepted PayPal and has been selling it for years and still is!. This happened on XXXX. There are only so many payment processors out there and if you get cut off from one like this your out of business! The XXXX  '' s were my personal information i blanked out. Here is what they said : Dear XXXX, A recent review of your account activity identified products/services on your website violate PayPal 's Acceptable Use Policy. Specifically, supplements containing unapproved drug ingredient such as : Pure XXXX, Powder, Anhydrous, 99.0 %, 20KG XXXX XXXX XXXX are associated with XXXX  ; XXXX XXXX XXXXXXXX and are not permitted on our platform. Therefore, your account has been permanently limited. 

Please remove all references to PayPal from your website/s and/or auction/s. This includes not only removing PayPal as a payment option, but also the PayPal logo and PayPal shopping cart. Please refer to XXXX  user XXXX  Per the User Agreement, when PayPal permanently limits an account due to a violation of the Acceptable Use Policy, any funds on your account are held for 180 days. In addition, y

ou may be liable for any amount of damages PayPal incurs for each violation of the Acceptable Use Policy. Note that should any chargebacks result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

Sincerely, XXXX PayPal, Brand Risk Management PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Santander Consumer USA Holdings Inc.
State: VA
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 XXXX XXXX, CHRYSLERCAP, and XXXX XXXX. 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 XXXX XXXX XXXX, XXXX XXXX, CHRYSLERCAP, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: I.C. System, Inc.
State: VA
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX O D ), and XXXX. 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 XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXXL with no successful resolution. There was definitely an error on their part.

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 2019-04-11
Company: Convergent Resources, 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:
Tried numerous of attempts to resolve this issue this fraud Ive never had reliant Ive asked for proof and this company do not show any 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 explanation
Consumer complaint received 2018-10-05
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: Public record information inaccurate

Complaint:
I have sent out the bankruptcy letter to XXXX and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done 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