BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I learned inXX/XX/XXXXthat PYOD, LLC had filed a delinquency against me. This company is also known as Resurgent Capital Services. I called the firm and spoke to a XXXX at XXXX. She informed me that an account had been opened in my name with XXXX XXXX XXXX, XXXX. The account was opened in XX/XX/XXXX in the state of Georgia. The amount being reported is {$1500.00}. 
It was determined in this phone call that the account was not mine and I asked XXXX how I might get this matter resolved. The spelling of the account holder is spelt differently than how I spell my name and I have never resided in Georgia. 
She informed me that she would be sending a letter to me in the mail that would give me an opportunity to dispute my claim. 
I received the letter several weeks later, datedXX/XX/XXXX. I quickly called my attorney and asked for his involvement. He and I filled out the forms, signed the forms and notarized the letters disputing the matter. 
The letter and forms were sent to PYOD, LLC and received on XX/XX/XXXX. I called the company onXX/XX/XXXXand learned the investigation from the firm has not begun and I was told that no timeframe was available. PYOD has been very slow to respond in several situations. 
I am involved with a purchase of a home. My credit is being adversely effected by over 100 points due to this false claim. The lenders are advising me to get this matter resolved as quickly as possible as the damages will be six figures due to the rate increase associated with the damaged credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a creditor XXXX XXXX XXXX, I paid this credit card off and the creditor said they would remove and delete this account off my credit report but never did. Also the they have put the same account on my credit report twice because the first credit card I had was lost and they issued me a new card with a different credit card number.This is very wrong what they have done to 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 2021-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Recently, a scammer was able to un-freeze my credit report with Experian via the on-line portal in XXXX. The scammer used my stolen data to verify and unlock my Experian credit report. 

Experian has the functions of freezing and unfreezing available with simple verification of stolen users data is highly unsafe. XXXX  and XXXX have it in a log-in portal that you authenticate with an online account. I know Experian uses verification using personal data, but if someone is persistence enough, they can gain a lot of information on line. In my case, the fraudster was able to gain information from XXXX XXXX by pulling all of my credit reports. This simple verification process renders the mandated free report freezing useless. 

Experian flaws is a self-serving business practice as it is forcing the consumer to pay for their membership services in order to Lock the credit report. The freezing/unfreezing should be hidden behind a verified account log in. The creation of these accounts should also go through a one time verification process such as identity mail-in or Id.me verification. 

I am currently force to subscribe to Experian membership just so I can Lock my credit report rather than trust the freeze/unfreeze functions.

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 2020-11-25
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
About Paypal XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX I can not access my account because of Paypal 's requirement that I enter my Mobile phone number. 

1 ) I do not have a Mobile phone number 2 ) They refuse to recognize my Landline phone 3 ) Their human customer service is NOT accessible by phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: TrueAccord Corp.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Tru accord sent an email with the collectors name in the header. Tru accord failed to use any sort of identity verification or disclaimer before email was opened. Inside of email stated to disregard email if this was sent to the wrong email then provided all debt and personal information under the disclaimer. I contacted the company and was told that all contact information was " assumed '' correct and that they did not have to verify or have verification steps before giving debt and personal information. I explained that I would like to have their fdcpa policy sent to me and was told that they couldn't provide this information. Once I explained that a small deviation in the email address name could result in the wrong party receiving personal information i was once again told that it wasn't their problem and that it was given to them and assumed accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Social Finance, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was hacked in my acct with Sofi. The phone number and email were changed. In XXXX. They then subsequently tried to remove {$60000.00} from my checking acct which I didnt have. My bank charged me {$260.00} in overdraft fees which I got removed thank to prompt action by XXXX my bank. I the after several failed calls to Sofi I finally got on the phone with them. Told them to sell all my stock and withdraw my money and close my acct. and several tries and multiple emails and calls. Sofi then withdrawal several fees and other actions left me with {$1900.00} in my acct. never got an explanation of fees or why they were taken out. After multiple attempts to withdraw my money to no success, I contacted XXXX XXXX attorney with XXXX. He drafted a letter to Sofi demanding contact and resolution. Within a ten day window. No response from Sofi. And as of today I still dont have my money and acct is still open. I also when I call they cant find my acct due to them never changing the hacked email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My parents put me as an additional user on their chase Manhattan credit card using my name and date of birth only. No signature. I authorized them putting me as an additional user. However, Chase bank will not allow me to remove myself as a user. This card is being reported to my credit agencies and makes me responsible for the debt. I do not wish to remain as an additional user. But, Chase will not remove me without their consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Mazada financial services sent out an email stating effective XX/XX/XXXX additional payments would be applied to principle reduction rather than future payments. There is no benefit to the consumer who who may need to transition to a new job, lose their job or become ill and be forced to live on a reduced income temporarily and may need to use the paid ahead state until they are back to work or back on their feet. I spoke with supervisor XXXX at Chase who handles Mazada financial services and while he said that feedback would be forwarded no ability to respond or guarantee any chances. I was transferred by the first representative to her supervisor. The number called was XXXX. There is also no option to opt out of this new policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Navient Solutions, LLC.
State: GA
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 am a federally protected consumer. I, XXXX XXXX was placed into a consumer credit transaction with Navient on XX/XX/XXXX. Pursuant to USC 6802 Navient never disclosed to me I had the option to opt out of this transaction being reported. The Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached by Navient. I mailed an Affidavit of Truth on XX/XX/XXXX with attached Exhibits A-Y showing proof Navient is in violation of 15 USC 1692f ( 8 ), 15USC1692e ( 9 ), 15USC 1692e ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692e ( 2 ) A, 15 USC 1692d ( 2 ), 15 USC 1692e, and 15 USC 1692h.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am vert disappointed. I will file a complain and submit an FTC.

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 2021-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: ID Analytics, Inc.
State: MO
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:
Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.

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 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I made an online hotel reservation in XXXX XXXX on XXXX XXXX for a non refundable hotel stay on XXXX XXXX XXXX using my capital one credit card. As the advisory started not to travel abroad due to covid-19 I tried reaching out to the hotel for my options. Since the hotel was not responding I put in a dispute with capital one credit card services. Capital one issued a credit on my account on XXXX XXXX. On XXXX XXXX I received a credit reversal from capital one on my statement stating the hotel provided them proof and if I did not agree with the decision I should provide supported documents. I faxed over 3 sets of proof. I sent capital one 1. An email from the hotel to me that they will provide a refund on XXXX XXXX. 
2. I provided a snap shot of the hotel website where it states they are closed do to covid-19 as of XXXX XXXX XXXX ( my dates of stay were XX/XX/XXXX, -XXXX   XXXX the hotel closed their doors ) 3.  A follow up e mail from the hotel on XXXX XXXX where they stated they changed their mind and will not provide an email. 
At that time capital one took all my information I provided them and agreed with me and credit my account for the hotel stay. Fast forward to today XXXX XXXX they removed my credit on my account And said the hotel provided me with a voucher and that was good enough for capital on credit card services and as far as reopening my dispute will not be possible. I never received a voucher, or or canceled my reservation with the hotel. The hotel canceled on my reservations and capital one does not protect or provided services to their clients which is me. I would like someone to please take a look, the way capital one handles disputes and why I the consumers have no rights and the hotel can do as they please and change the terms as they go along.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26
Company: FIRST HAWAIIAN, INC.
State: HI
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:
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX and First Hawaiian Bank. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. XXXX XXXX XXXX XXXX XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Attempted to pull {$500.00} from a Wells Fargo Bank ATM the money never came out, but it was taken out of 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 explanation
Consumer complaint received 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Ive been noticing the interest rate have been increasing for the last couple of months. I happened to look online and Ive noticed they are charging me a 31 % rate so I called them to explain the situation and all I got was I can call credit Counseling and it cant be lower because its a variable rate, I told the supervisor who was very Condescending when we were talking that it has never been this high, and he told me its nothing they can do.. Capital One inherited the cards from XXXX in 2013.. I have 2 Capital One cards and my other one is not like this.. I need a Resolution because I think its some kind of scamming going on here and after talking to a couple people about my situation, they inform me about the same issues they had with Capital One.. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had multiple unauthorized transactions and tried multiple times to contact the company they have no direct number and they keep sending emails saying that they are going to have someone contact me but it has been over 6 months ago and still no response no results they didnt say anything else about it and I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
First, this is no longer an issue because the credit card company waived the interest fee that I was complaining about. However, the policy is just not right. 
In XX/XX/XXXX, I unintentionally did not pay the full amount on my Costco Anywhere Visa Card by Citi. I then incurred interest of {$14.00} on the bill due XX/XX/XXXX. I paid that bill in its entirety, including the interest, before the due date. Now on the bill ( with {$0.00} previous balance ) due XX/XX/XXXX there is an additional interest charge of {$37.00}. When I called on XX/XX/XXXX to inquire why there was interest charged when the previous balance was XXXX? -- the answer was that interest is applied until there is 2 consecutive months when the bill paid in full. 
Be aware that interest can be charged on a {$0.00} balance.

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 2022-11-26
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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:
On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my Transunion report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.

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