BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: Harley Davidson Financial Services Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a loan with Harley Financial for a motorcycle that I wrecked before it was paid off. The bike was totaled out, however, I had GAP insurance through Harley Financial ( the company I also had the loan through ) which would cover the remainder of the loan if the bike was totaled in an accident. Well that is exactly what happened, the bike was deemed totaled. With that said, Harley Financial did at first, submit the payment to pay off the loan in full through my GAP. However, they then came back after the fact and reversed said payment, and then submitted a payment for a lesser amount leaving me a balance of around {$950.00}. They then said that I owed them that {$950.00} and started reporting this to the credit bureaus and sent it to collections after NEVER calling me about it. Well in the last year, I even hired XXXX XXXX XXXX to assist me in getting this resolved, but after several conversation and letters sent to Harley Fin.,  they refuse to stop reporting. They could not even explain why the initial payment was reversed and the smaller GAP payment was submitted. They just kept answering the question with " Sir, as of right now you owe us ... '' and never giving me a reason as to why I owed this money when it should have been paid through GAP. This is false reporting to the credit bureaus on my SSN and they need to be held accountable since they refuse to work with me or the agency I hired to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I was paid on XXXX via PayPal on XX/XX/XXXX. The money would be placed on a 21-day hold. Its now been almost 30 days and the hold has not been lifted. I contacted PayPal and XXXX, and both companies blame the other. Saying it is not their fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Ad Astra Recovery Services Inc
State: CO
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:
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all  XXXX  credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Avant Holding Company, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Email request for stopping of automatic payment and they still tried to pull 3 mores times resulting in excess last fees on bank account. 
Requested to set up other payment arrangements and always got the run around. Loan was sold to XXXX XXXX XXXX without any notification and eventually sent to collections. 
XX/XX/2020 They sent Final demand of payment. Counited to receive emails and text messages daily for the next month and a half requesting payment. 

Principal has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
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 wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX   XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX   XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX / {$8900.00} XXXX 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 2020-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, my XX/XX/XXXXCredit report shows a collection account from Portfolio Recovery Associates for the amount of {$560.00} listed on my credit report ( Acct. XXXX ). As of XX/XX/2020, I have never received correspondence from this collection agency to dispute the validity of this debt that I am legally allowed before they violated my rights protected under the Fair Debt Collection Practice Act by reporting this account to the credit bureaus without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Automatic Data Processing, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was given a XXXX/ADP card by my employer, because my payroll check was missing hours. The hours that were missing were put on to a card that I had in my possession on XX/XX/XXXX or XXXX. Upon using this card on the XX/XX/XXXX I was notified that there wasn't any money on this card. So after this I contacted XXXX, which took me three times, until an agent on the third phone call informed me that my card was reported stolen. My card was unlocked, and I proceeded to use my card at XXXX XXXX, and at XXXX and XX/XX/XXXXwithout any problems. The next day XX/XX/XXXX upon going to pay my property tax I was informed I only had XXXX on my card. So after this I checked online and it was observed that my card had been compromised for the amount of XXXX. XXXX was contacted, my card was locked, and a replacement card along with paperwork was sent out. Paper work to verify that my card was compromised was emailed to XXXX  on XX/XX/XXXX. Upon contacting XXXX  XX/XX/XXXX, I was hung up on twice. And when I got to a agent, he could not tell me exactly how long it would take to retrieve my money, only best case and worst case scenario, the same answer was given to me upon asking to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. US DEP ED XXXX {$11000.00} XXXX XXXX {$610.00} XXXX  XXXX {$460.00} XXXX  XXXX {$570.00} XXXX   XXXX {$1000.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$510.00} XXXX  XXXX / {$8900.00} XXXX 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 2020-11-16
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-12-01
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:
Your company is in violation of the FDCPA section XXXX. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, 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 2020-05-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Victoria Secret is incorrectly reporting an account as charged off. I paid the account in full directly to Victoria Secret and closed the account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: AR Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Resources Inc is attempting to collect a debt which has already been paid. The original creditor,  XXXX XXXX, accepted payment of XXXX XX/XX/16 from my insurance provider. The account was previously listed on my XXXX  credit file as a collection under XXXX  XXXX XXXX XXXX, whom I paid {$120.00} ( amount XXXX deemed liable ) in XX/XX/2016. The collection was subsequently removed from my credit file in or around XX/XX/2016. 

The same charge is now appearing on my credit report, under a different collection agency despite the fact the original creditor was paid and notified to contact my insurance provider for any additional funds or information. In short, the creditor has already been paid and is attempting to get paid again. 

I also want to note that AR Resources is still listed as a collection on my XXXX credit report, despite the fact XXXX  removed it after completing the investigation referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Contacted Transunion on XX/XX/2020 to have inaccurate information on my credit report disputed. Representative told me the account was not reporting. Just pulled a copy of my credit report on XX/XX/2020 and it shows that the account is in fact reporting. XXXX XXXX XXXX XXXX with a balance of {$1600.00} is a result of identity theft and fraud. Wish to have this investigated and removed. As any unnecessary delay could impact my household negatively as we are victims financially of covid 19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a check deposit to my checking account with Bank of America. The next day I made a withdrawal with the exact amount. On the same day, I deposited some of the money and then withdrew some again. The next day, I deposited some money and all of the sudden I received a phone call saying my bank has been closed. In addition, they put the check I deposited on hold and it wasnt clear. I tried to tell them it was officially my check I deposited from my 401k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: DISCOVER BANK
State: NC
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 XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with a bank for the sole purpose of getting my bills drafted from the account. I received my stimulus check from the federal government that was issued to me from the federal government. I drove to my bank to deposit the check in my account, which seemed to be a normal process. The following morning my debit card was declined while attempting to purchase my groceries. I couldn't understand why so I checked my account online only to discover that my account was over a half million dollars in the negative, so I called the bank, only to be told that it was normal when there is a hold on a check. I still was confused, considering that it was a check from the federal government. I called my bank where the account was opened, and was told something different, so I called back the 800 number and was told that much check was fraudulent. I proceeded to tell them to let 's contact the IRS since that's who sent it, they didn't care to wan na help me resolve this. They assumed I was trying to get over on the bank. It's seemed a bit odd that everyone I know that received a stimulus check was real, but the bank wants me to believe that the federal government issued a fake check to me, or in the banks words, altered. The bank never even considered a courtesy call or email advising me that there was an issue with my account. Besides, if I passed a fake check that came from the government, I strongly encourage the bank to send the police to muff house with an arrest warrant so we can get the court proceedings on the way. The bank closed my account disregarding my monies that I already had in there. I want my money and my check back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX i was not able to get my funds of pay pal and they said its on hold for180 days for no reason.and imy account is no longer can be used

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX changed credit card accounts to switch to new company. Around XX/XX/2019. I did have experian delete the old account. But they never put the new one or there. Which I still have through XXXX XXXX XXXX. The other two credit monitors report my arbor credit with the correct account. And a big difference in credit scores. By them not reporting that.

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: ERC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation