BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX and XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a XXXX XXXX . I clarified I did not maintain that XXXX XXXX . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my XXXX XXXX address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, I am a victim of a transunion Inquiry issue where they had removed all my inquiries and then readded them into my account with no notice, I tried to resolved this issue with them over the phone but they were no help and told me they couldnt help me.

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 2018-06-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I opened a previous complaint with Navient asking them to research why our children are now in their XXXX and we still have a large balance. Over the years we have been contacted by Navient a number of times instructing us to combine our children 's loans, keep in mind we did not ask they contacted us. When I call customer support they did not offer any solution or attempted to investigate why our balance is still so high. The previous complaint created through CFPB was closed because my wife was part of the complaint but Navient said they could not work with us because she was not part of the loans. I called Navient and added my wife to the account as was to here a response within 30 days. They 30 days have past, no response was received and CFPB closed the case. Everywhere we turn we are not getting any help. We are close to retirement and still have a large balance even though we have paid on a regular basis for over 18 years. Keep in mind during that time our account has changed organizations without our input.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL 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 status incorrect

Complaint:
I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: NM
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 reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and XXXX and Experian are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.

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 2018-01-24
Company: EQUIFAX, INC.
State: NM
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 reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that are n't mine. The equifax breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that Equifax and XXXX and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: ID Analytics, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The XXXX XXXX debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX XXXX and medical and 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 2019-05-15
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/19 my auto loan account ending in XXXX assessed a return check fee in the amount of {$30.00}. This was due to my personal checking account being compromised and having fraudulent activity and bouncing this payment. Please note the checking account is not with Suntrust only my auto loan. Shortly after receiving notification from this company I called on and spoke with a representative from this company and they advised they would waive the fees. After making my payment today on XX/XX/19 I noticed this was not done. I called and was transferred to 6 different people and repeated my story multiple times to which in the end was hung up on by the last representative. I called back and asked for the executive complaints department and was told there was no such department. I find this highly unlikely as I personally work for an auto loan company and know there is such a department.

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 2020-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my credit report it shows my XXXX XXXX account still in collections. When it has indeed been resolved which means it is no longer in collections and needs to be removed off of my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX keeps incorrectly showing my account as being late. They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/XXXX. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. I tried to dispute this with Transunion, but their website is not allowing me to start a new dispute.I am not 30 days late and did in fact pay my XX/XX/XXXX payment, and my XXXX and XX/XX/XXXX payments.

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 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize 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
Consumer complaint received 2022-07-05
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea who this company is, they keep calling & harassing me without leaving a voicemail & they havent sent anything to the house. I do not have to answer my phone if I choose not to especially if they havent sent anything to my address nor left a voicemail. This is a violation of the FDCPA. Here are the following ways that they have done so Disclosure verification of debt The agency fails to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days. 

Excessive phone calls The collection agency makes several calls a day, and sometimes several calls in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Lake City Credit
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XX/XX/XXXX a XXXX from Lake City Credit contacted me on an alleged credit card that I had opened in XXXX, and showed a last payment in XXXX. I asked him to provide proof that this was mine. He feigned confusion. Call was ended. 
On Monday, XX/XX/XXXX he called again. Same script. Asked the same question about providing proof. He proceeded to tell me that no proof was required as they were not the issuing agent and they are just here to collect. It spiraled and the call ended. 
Today, XX/XX/XXXX he called again. This time acting like he had never spoken to me. When asked for proof he assured me letters had been sent to a prior address. Frustration got the better of me, and I ended the call. The same number called me 3 more times in a 5 minute period without me answering. 

They have called from XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!

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 2021-05-10
Company: Paypal Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is the " 3rd '' attempt to FRAUDULENT use of my address to purchase an XXXX at a cost of {$830.00} that was mailed to a different address at : XXXX XXXX XXXX XXXX, XXXX. 
Tracking # XXXX Paypal or a Pay Pal hacker is sending these notifications for purchase made. This is a FRAUD AND THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried to contact the company about this illegal debt they're trying to collect from me the representative used abusive language and threaten to place this on my credit report which I have a lock on all all three major credit bureaus my information was compromised with XXXX  and my email account with XXXX  also and I think these people got my information illegally the name of the company XXXX XXXX their number is XXXX   XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! 

This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor XXXX XXXX and then new companies PORTFOLIO RC and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America has been sending me harassing emails with regard to a debt that has been charged off furthermore this account is still reporting on the credit bureaus. This has start XX/XX/19, and has continued every week since. Furthermore, under the fair debt collection 805 section c this a violation of my rights.

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 2018-01-24
Company: MIDFIRST BANK
State: AL
Product: Mortgage
Sub-product: VA mortgage
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 entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PayPal asked me for a photo ID, I have used my PayPal account for 20 + years already. PayPal put a limited access tag on my account, I received ZERO NOTICE of this. PayPal is asking me for receipts of items from a distributor I sell on EBay but I do not have receipts as all  these items were bought by me on XXXX over the past 20 years. I am simply unloading/selling a collection of rock patches that average about {$9.00} a piece. I do not operate a business on XXXX. I have perfect 100 % + positive feedback on XXXX too, so there should be no need for PayPal to limit my account. By limiting my account, PayPal will not allow me to withdraw that funds I have in my PayPal account. I tried calling PayPal but when you hear the automated system state there is a wait time of 1 hour to 2 hours and they are going to transfer you to put you in line to wait for a customer service agent, PayPal then drops the call or in other words PayPal hangs up on you. There is zero way to resolve the matter online or over the phone then.

Company response to consumer: Closed with non-monetary relief