BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand. 
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I went to Bank of America located at XXXX XXXX  XXXX XXXX, XXXX, CT XXXX. I spoke to XXXX XXXX a Relationship Manager. I had a check in the amount of {$21000.00} that I received from my mothers life insurance policy, I opened a savings account with said check. I asked how long would it take for said check to clear Mr. XXXX said {$5000.00} of the money would be released on XX/XX/2019 and the {$16.00}, XXXX would be released on XX/XX/2019. I didn't receive any money it's still on hold, I went to Bank of America XX/XX/2019 spoke to Mr. XXXX regarding said issue, he said a third party placed an extended hold on my money and said it will be released on the XXXX XXXX, 2019 but he would call me on the Monday XX/XX/XXXX to see if the money would be released sooner. Needless to say NO phone call from Mr. XXXX. I just want my money so I can pay for my mother 's funeral this time is difficult enough. Please help me get my money. This is so unprofessional and disrespectful.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dispute letter recently sent XXXX XXXX was deleted off my transunion account twice this year and has reappeared twice on my account. 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C. 168i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material they have failed to send me notification no later than 5 business days, they failed to do that twice.

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 2018-11-18
Company: Mobiloans, LLC
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 Mobiloans attempted to contact me at XXXX and XXXX HST. prior to establishing who they were talking to they immediately advised via a recording that the purpose of the call was to collect a debt and any information gained would be used for the purpose. I stress that when they called and the phone was answered a recording played advising this was an attempt to collect a debt. There was not attempt to determine who they were talking to prior to the recording. 

I believe this is a violation of the FDCPA

Company response to consumer: Untimely response
Consumer complaint received 2017-08-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I would like to close a Paypal account that was opened in my name a long time ago. The social security number on the account is XXXX. I do not want this account to be open and I wish for it to be formally closed. I have previously written to Paypal and the only response I get is that they do not " close accounts ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
I opened my NAVIENT account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XXXX, XXXX and XXXX of XXXX I was late with payments, XXXX, XXXX, and XXXX. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by XXXX  that my credit scored dropped 8 points due to late payments on my Navient account. When I called Navient they informed me that I was late on payments in XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by XXXX because my credit score has not gained its 8 points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was awarded student loan repayment as part of the HRSA Nursing Loan Repayment Program. In XXXX, I made the regularly scheduled payment of XXXX online. I then sent a separate check in the amount of XXXX dollars and requested in my letter that the entire amount be applied to the principal balance of my student loan. The website is confusing and I inadvertently sent the payment to the wrong address. MOHELA ( my lender ) sent the payment to the correct address as a courtesy, but the entire amount was sent to the interest owed on the loan. I sent them a message and they assured me they would correct the oversight. Instead, they applied XXXX to the principal and XXXX to interest. This was done after TWO messages ( a letter and an online request ) to the contrary and even though the monthly payment ( for interest and principal ) was satisfied. The MOHELA online payment option does NOT allow for application of additional payment distribution and requires letters to be sent via mail -- an antiquated approach given this is 2018! I have paid thousands of dollars to my student loans and still owe more than I originally borrowed. To refuse to apply the funds a directed is consumer fraud and usury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I opened my XXXX account on XX/XX/XXXX when I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was late with payments, 90, 120, and 150. In XX/XX/XXXX, I arranged scheduled payments of {$81.00} to be withdrawal from my bank account on the XXXX day of each month. Since arranging this my account has been a great standing until last month. 

I was informed by Experian that my credit scored dropped 8 points due to late payments on my XXXX account. When I called XXXX they informed me that I was late on payments in XX/XX/XXXX. I found this information very confusing. I'm confused why they are hitting my credit after six years of great standing on my payments. When I asked the Navient rep to transfer me to a supervisor, I was told there was nothing more I could do to resolve this issue. The rep then reminded me of when I opened the account and the months I was late. But them reporting late payments after six years doesn't make sense at all. 

I hope you are able to resolve this issue. I'm not sure how my dispute was settle by Experian because my credit score has not gained its 8 points back.

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 2018-09-12
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Men are calling my brothers business phone to collect an alleged credit card debt of mine from XX/XX/XXXX. They left messages stating they were from the " fraud investigations unit '' at XXXX and XXXX XXXX , XXXX. They are using two different names when attempting contact. They have my current address and telephone number. My brother received the most recent call on XX/XX/XXXX at approximately XXXX. They gave him the number XXXX and name of XXXX XXXX. I called them back at the same number at XXXX and asked for XXXX XXXX XXXX The male receptionist said he didn't have that name attributed to my case and asked for my account number. I explained I had only a reference number # XXXX and he transferred me to another male. This man asked me for my social security number. I told him I was uncomfortable giving my social security number out, he stated he had to verify who I was before telling me why he is calling and that he had my full social security number already, he then hung up. I immediately called back, asked the receptionist what the company name was, why they were contacting me, who did he transfer me to and why they are contacting my family members. The receptionist told me my name and address and explained he would transfer me to XXXX XXXX - the man handling my case. I was again transferred to the same man - now identified as XXXX XXXX. I asked him why they are contacting me and my family members, why I need to provide my social security number before he tells me what these calls are about and that his receptionist already has my name and contact information, he responded, " I have all of your information here, I just need you to verify the last four digits of your social security number to disclose why we are contacting you. '' I agreed to the last four digits only, gave him my last four digits and he told me this was a {$9600.00} credit card debt from XX/XX/XXXX with Chase Visa. I told him I did not have a Chase credit card then, now or ever - to which he said, he would send me the information in the mail and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX 

In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX. 

Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX. 

CFPB - these junk debt buyers should be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I began a small account with XXXX XXXX XXXX  for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. 

Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. 

XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it!

I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 2018-11-18
Company: Circle Internet Financial
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Since the XXXX XXXX of XX/XX/2017 resulted in XXXX XXXX, XXXX has refused to disburse them to customers, despite all their peers such as coinbase doing so. 

Like many of their customers, Ive been waiting for the release of my funds for over a year now. 
Their communications has ceased, and although circle invest has been active for months, they still have not released our funds. 

this recent XXXX XXXX  as now phased out XXXX into two tokens. 

Their excuses have devolved into silence, and they have since changed their user agreement, which is malicious and unethical. 

losses have run up to half a XXXX in opportunity costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Resolve Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2018, I submitted an application to lease a house in XXXX XXXX FL. As part of the application, I agreed to a background and credit check. On XX/XX/2018 a credit/background check was conducted as part of the application. The inquiry into my credit history was a " hard '' inquiry vice a " soft '' one. This type of inquiry is not warranted for a just leasing a home. This type of inquiry is normally reserved when one requests credit in the form of a mortgage, credit card, loan. The information obtained, could have easily been done with a soft inquiry. The difference between XXXX and XXXX is now 22 points. Prior to the hard inquiry, they were the same. I called the company to ask why, and even after discussing the difference between hard and soft inquiries, they simply stated " we do hard inquiries '' They need to stop doing this, and immediately restore to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Colony Brands, Inc.
State: VA
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:
Hi how you doing, XXXX email me there is a hard inquiry on my report when I login to my XXXX XXXX  I see the company name XXXX XXXX XXXX XXXX XXXX XXXX, wI XXXX I never never heard about this people for this company never order by phone by mail or by the Internet we dont even have this company and my state Im afraid someone have my information or Trying steal my information I called him and emailed him no one is responding please tell me what can I do thank you very very much

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18
Company: JPMORGAN CHASE & CO.
State: GA
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 an unauthorized Inquiry on my XXXX and XXXX credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
Santander Consumer USA has recently settled in a multi state investigation about Santander 's subprime lending practices. Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to Santander about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this Santander account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: GA
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:
ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF ED/XXXX ACCT # XXXX {$16000.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$5100.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$3300.00} XXXX  IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS EQUIFAX IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, XXXX 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 2018-02-22
Company: EQUIFAX, INC.
State: MI
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 am exercising my rights as a consumer to properly verify this account, XXXX didnt provide me the method of verification they did about this XXXX XXXX account it probably was some form of number code sent over to the CRA and that was good enough well according to Section 609 of the FCRA a company has to prove and provide the proper documentation with a original signed contract with my signature. I reached out to XXXX XXXX  and this is what they sent me ; Ill attach documents. These documents anybody could have printed these up and put my information on here. One statement and a made up looking electronic application. Please provide me with an agreement contract and my signature states section 609 of the FCRA. This is my 3rd round with XXXX  addressing this as a complaint. I disputed this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation