BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: FIRST ADVANTAGE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX TO CURRENT. PLEASE STOP ALL 2ND & 3RD PARTY CREDIT REPORTING AGENCY, SUCH AS XXXX, AND FIRST ADVANTAGE... ETC FROM PROVIDING MY PERSONAL AND/OR PUBLIC INFORMATION TO ANY AND ALL COMPANIES, INDIVIDUAL OR CORPORATIONS SEEKING TO KNOW MY CREDIT WORTHINESS, EMPLOYMENT OR EVICTION STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account ending in XXXX was opened XX/XX/2010 and has a balance of {$8100.00} and its inactive and charged off according to Navy Federal Credit Union. I have not made any payments in over 7 years. I'd like for this account to be removed from my credit 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 2019-02-12
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX refuses to remove a mark on my credit that was paid and I have disputed it and they won't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Bureaus did not properly investigate my account with DISCOVERBANK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the date of the last activity is not reflection on the payment history. The entire remarks for this account do not concur with each of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They will not let me Defer Ive been have a hard time with work with that on my credit and they keep putting late post on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
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:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Paypal Holdings, Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In late XXXX, 2021, I tried to purchase {$820.00} tickets from XXXX XXXX using a newly opened PayPal account. After several days had passed and I hadnt received a reservation or confirmation code from XXXX so I contacted XXXX by phone. The XXXX representative said that they hadnt received the money from PayPal and would not give me the reservation until they did. I then contacted PayPal and their representative said they would not give the money to XXXX until they received the reservation from them. So I cancelled the order to PayPal and purchased the tickets directly from XXXX. When PayPal started billing me for this reservation by email, I contacted XXXX; but they said they couldnt help me since they dont deal with a third party credit company. PayPal is still billing me as of XX/XX/2021, for the {$820.00} plus late charges and interest even though Ive gone through the PayPal dispute resolution process, the dispute cases were closed, and I was given assurance of a zero balance in late XXXX by two different PayPal representatives in two different phone calls. I closed my account with PayPal in late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
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:
As part of my separation agreement/settlement in XX/XX/2017, my ex wife became the owner and responsible of a XXXX XXXX debt, finance, insurance etc. and was supposed to go to XXXX  XXXX XXXX in XXXX, NC and change the vehicle loan under my name to her name or pay the difference on the auto loan. 

I came to find out this year that she purposely did not refinance the loan to her name and fail to pay numerous times since 2017 as a way to affect my credit that back then was XXXX points, the highest the XXXX XXXX dealership salesman has ever seen. 
as of today is in the XXXX 's! on Experian. I am abolished by this. 

This is not the only time she has taken advantage of my name and Veteran status as she forged my signature endorsing herself my VA XXXX checks after the separation. 

PLEASE HELP!

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 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, they claimed they were a debt collector, about an old debt I owed. They sent me an electronic document wanting me to sign it authorizing them to take bi-monthly payments out of my checking account till the debt was paid in full. 
Recently I needed to contact them in regards to an upcoming payment. I Googled their business name & found out they were not debt collectors at all, but a scam. I called them & told them that I would not be making any more payments & that they were a scam. They immediately hung up the phone on me. 
They started taking payments from my checking account last year starting on XX/XX/XXXX. Below is a list of dates and amounts that were taken out of my checking account. 
XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Financial Business and Consumer Solutions.
State: CO
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: Investigation took more than 30 days

Complaint:
XX/XX/2018 and XX/XX/2018 letter submitting source documents ( postage for return on merchandise ). XXXX cards reversed the credit to my account despite proof that merch was returned. Since that time the " receivable '' has been sold at least XXXX times to collection agents. When I ask for source documents to prove that I owe the money, they sell the receivable to another collection company. Every time I get the dispute removed from my credit report, the receivable is sold and it reappears reducing my perfect credit to XXXX. It is the only credit blemish that I have and it reappears not matter what I do to remedy the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I applied a Citi Flex Plan in the amount of {$300.00} on XX/XX/2020. Citi card bank should deduct this amount in three months, {$100.00} per month. But Citi bank deducted the whole amount of {$300.00} instead of {$100.00} on XXXX. Then Citi bank still charge {$200.00} for two third of Flex amount XXXX on my new statement. This XXXX is a duplicate charge. 

I called Citi bank about this mistake, they agreed to refund this {$200.00}. however, after they refunded {$200.00} to my checking account on XXXX, they charged this {$200.00} back to my credit card account again on XXXX. 

I called Citi bank several times, walked into their local office, and wrote two letters to Citi office about this mistake and submitted all support documents and statements. I request Citi bank to fix this mistake and refund my {$200.00}. But Citi bank simple replied that my account balance was accurate without any explanation.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is reporting a bankruptcy on my credit report and they claimed to have verified it with XXXX i received a copy of my XXXX report and there is no Bankruptcy being reported on my report so this is inaccurate so please investigate and send me your findings thank you in advance

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 2018-09-27
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no knowledge of the medical bills thats reported on my credit account! Ive had medical insurance for years so I dont understand where these bills are coming from. I tried to fix the problem but they told me to just file a claim with you all to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent " Credit Collection Serv Account # XXXX '' a followup letter regarding an alleged debt collection on my credit report by the company " Credit Collection Serv '' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been over 30 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau XXXX nor the creditor, Credit Collection Serv. They are both in violation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX and the creditor, Credit Collection Serv, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was wrongfully had my account closed on XX/XX/2022 by the fraud department of Bank of America. The female personnel of the Fraud department asked me a question harshly and rudely. I was the victim of a fraud who deposited three separate transactions equal to {$890.00}. I received a phone call from this fraud and I really thought it was legit. He send me a website in my cell phone and I opened it up, there was the actual form which I filled. I thought this form was actually legit. Then he called again and send this money in three separate transactions which came to a total of {$890.00}. This fraud stated not to touch the {$890.00} from my checking account. Then this fraud wanted me to go to XXXX and give him a call. I told him I was not feeling well, but then I thought about this process overnight and did not feel right about it. I called the real XXXX XXXX company and found out this man was a fraud. The loan was actually has been denied. But I was having issues with Bank of America online bankers not stopping the four lenders and all the money was taken including the {$890.00}. I received a negative balance. I told them to stop the allotment a week prior. The Bank of America online bankers did not credit me from XXXX XXXX for {$480.00} and then the second creditor which the online bankers failed to stopped is XXXX XXXX XXXX was taken the amount {$550.00}. That is the total of {$1000.00}. I had four lenders added to my XXXX XXXX ( Consolidated Debt Program ). When I attempt to call for the third time the woman from the fraud department called me rudely and boldly without trying to find out what really happened at my end. She harshly closed my account. I knew that there were communication between the online bankers and the fraud department. I am currently hurting financially because I do not have access to my funds from Bank of America. I was treated unfairly and I am truly am the victim. I had to call everybody from the Lease manager, utilities, insurance, etc. that was effected by this closure. The branch of Bank of America is in the process of trying to help me status with the status of my funds that was left in my account.

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 2017-07-10
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid money to PayPal for a purchase from XXXX ... .I paid from my XXXX  on line account ... I did this on XX/XX/XXXX ... .PayPal sent me an email that I did not pay and that it was due ... .so I sent another payment to them on XX/XX/XXXX for the same amount ... both amounts were deducted from my account ... .I have requested the over payment to be sent back to me ... and I get the run around and lies and automated results that absolutely do not help ... I have talked to supervisors who promise to call me back ... but nothing happens ... for some reason one of the payments went to PayPal credit where I do NOT have an account and they do not help me either ... .I sent copies of the problem written down by me ... .copies of my bank statements ... copies of their emails telling me they have my two payments ... but I get no help getting my extra payment back ... I realise the amount which is {$41.00} May not he much to some people but we live on our social security and they have been horrible to deal with ... some how XXXX Back is involved with this issue too as they hold PayPal Credit services ... I need help ... .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.

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