BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson capital is saying a XXXX year old debt that i dont believe is mine, is only XXXX XXXX XXXX due to me trying to dispute. I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
TOYOTA MTR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter through USPS on XXXX, 2023 and never received a response from the creditor. Debt has never been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, I bought the pre-paid card, added {$50.00} onto it at the same time as I bought it, and activated it when I got home. I immediately noticed it had been a bad idea as I read about all the fees. 

I went ahead and decided to close the account and get my remaining balance of {$50.00}. 

They sent me a check in the mail for {$44.00}. The check is dated XX/XX/2021, but I got it XXXX XXXX. 

Today is XX/XX/XXXX and I can't cash the check because it's no longer valid. 

So I called them and the customer service told me that I won't be getting any more checks and unfortunately my balance can not be retrieved.

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 2023-11-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX, my experience with Home Depot took an unexpected turn when I received a text about an attempted charge of over {$800.00} on my card. Swiftly responding with a resounding " No, '' I immediately contacted Home Depot to ensure the charge was halted and to cancel my card for security measures. 

During the call, I took the opportunity to inquire about any other transactions on my card. Surprisingly, they informed me of two additional smaller charges that had gone through on the same day. I promptly asserted that these were not my transactions and requested their removal. Additionally, I sought a case number and details on how I would be updated about the ongoing investigation. Initially met with resistance, I persisted until they finally provided me with a case number. 

Despite my efforts, my claim faced a setback as it was denied on the grounds that the purchases were allegedly made with the card chip inserted. Puzzled, I emphasized that I had maintained possession of my card and had not set foot in a Home Depot for years.

To add to the frustration, Home Depot claimed to have mailed me letters and a replacement card. Despite multiple confirmations of my mailing address, not a single letter concerning my case reached me. Now, I find myself in a perplexing situation, forced to pay for purchases I did not make, all while grappling with an exorbitant 30 % + interest rate. 

How this occurred remains a mystery to me, especially considering the supposed use of the card chip. It appears that these fraudsters have evolved their techniques, leaving me both bewildered and disheartened by the unfolding events. My hope is that this unfortunate experience does not happen to anyone else and that measures are taken to prevent such incidents in the future.

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 2023-02-06
Company: Revco Management, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX in XXXX of XXXX and I am still waiting for the final invoice. I have paid everything that was asked of me to pay. The XXXX was pre approved by insurance and now I am receiving a invoice saying I owe : {$35000.00}. When I called my insurance company the first time they told me that the hospital never even sent them a invoice. Since then I have been in constant communication with the hospital and my insurance trying to get this paid. The last time I called the hospital was XX/XX/XXXX and I was told the bill is not final and it is on hold. I was told not to pay it at this time. Today I received a notice from a collection agency. I have no problem paying the money I owe but I need the invoice revised to the proper amount. After receiving the notice today I called XXXX XXXX billing and again they said its on hold, call back tomorrow. I need some help resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
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 ALREADY DID MY COMPLAINT ABOUT MY INQUIRIES TO EQUIFAX AND THEY HAVE TRIED TO SAY THEY HAVE VALIDATE THE INQUIRIES BUT STILL HAVE NOT SENT PROOF OF VALIDATION. The law " 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( B ) '' - YOU HAVE THE 30 DAYS TO INVESTIGATE BUT YOUR AGENCY exceeded 30 day time to resolve the dispute lawfully. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. AGAIN From my records neither did I authorize these INQUIRIES, there is NOT permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately REMOVE each and every last one of them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Colten Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX XXXX, writing on behalf of many of my colleagues. 

We continue to encounter Builders in the XXXX XXXX area ( XXXX XXXX & Colten Mortgage, XXXX XXXX & XXXX XXXX to name a couple ) that offer thousands of dollars in incentives to buyers if they use THEIR lender. In most cases, the customer pays more in origination fees & points and gets a higher interest rate but they feel like their hands are tied. 

Can you please help us to understand if this practice is legal? We really don't understand how it could be? Can the CFPB please confirm the legality? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My name is XXXX XXXX, and I am reaching out to file a complaint against PayPal Inc. regarding the unlawful suspension of my account and a six-month restriction on my funds access. This action by PayPal has caused me significant financial inconvenience. 

Since the suspension of my account, I have been unable to access {$900.00}, which rightfully belongs to me. I have carefully reviewed all the PayPal terms and conditions and am confident that I have not violated any of them. Despite my numerous attempts to contact PayPal to resolve this issue, I have not been provided with any explanation or support. 

This action by PayPal has severely complicated my financial situation as I was relying on these funds for my daily expenses and commitments. Being denied access to my own money without any lawful justification is unacceptable and demands immediate intervention. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in regaining access to my account and funds. I also request an investigation into PayPal 's practices to prevent similar incidents with other customers in the future. 
my paypal email adress XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: NJ
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 cheked my credit a few months ago. its not the law, I never had a XXXX  account I dont speak english the rep is very abusive with language. The other bureaus deleted it but equifax refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete XXXX  and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: AES/PHEAA
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 CALLED IN TO FEDLOAN TO INQUIRE ABOUT BY MY PAYMENT HAD INCREASED SIGNIFICANTLY AND WAS ASKING TO OBTAIN A MORE SUITABLE PAYMENT. I WAS TOLD I COULD APPLY FOR A NEW PAYMENT PLAN. I PROVIDED ALL MY INCOME INFORMATON, MADE A PAYMENT AND WAS TOLD TO WAIT 45 DAYS FOR AN ANSWER. I RECEIVED AN EMAIL A MONTH LATER SAYING THAT MY APPLICATION WAS DENIED. THEN I LOGGED IN AND IT SAYS MY LOANS ARE DEFERRED UNTIL XXXX AND THAT MY MONTHLY PAYMENT WILL BE {$0.00}. WHEN I CALL IN I FOUND OUT SOMEONE HAD SUBMITTED AN APPLICATION WITH ME WITH FRAUDULENT INFORMATION LIKE CLAIMING ADDITIONAL DEPENDENTS AND NO INCOME. MY SIGNATURE WAS FORGED ON THESE DOCUMENTS THAT I FINALLY OBTAINED FROM FEDLOAN. IN THE MEANTIME I AM INCURRING TONS OF INTEREST AND AM UNSURE HOW TO PROCEED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in XXXX. I want these accounts removed from my credit profiles because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 viewing my credit report, discovered I had 3 hard inquiries from Bank of America, XXXX XXXX and XXXX XXXX XXXX I never authorized.

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 2022-02-10
Company: EQUIFAX, INC.
State: NY
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:
When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Had a refinance loan that was sent to collections after the vehicle was voluntarily repossessed and the amount was paid. The loan had XXXX insurance that was never used but never refunded to me. This was in XXXX. Vehicle was picked up in XXXX Texas on a voluntary repossession.

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 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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:
Within the past two years Experian conducted at least thirteen ( 13 ) separate investigations for the acct/tradeline each time with both XXXX and Experian claiming investigation was conducted and results met the standard of maximum possible accuracy under FCRA 15 U.S. Code 1681e. The Dates are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The data as reported is inaccurate and contradictory on its face. Thirteen ( 13 ) different occasions attempts to reconcile failed -- the acct/tradeline is still inconsistent -- change info as instructed under the ITEMS TO BE CHANGED portion of the attached document. The explanations is in the section marked EXPLANATION in the attached document.

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 2023-06-07
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I do not have any confidence in PNC Bank to properly apply my monthly mortgage payments in a timely manner. 

I've had numerous problems with PNC Bank properly applying my loan payments in a timely manner. Often I have to call them to have them apply my principal. If I do not call them the money sits in the account without properlu being applied to my mortgage payments. This has gone on for many months despite escalating this issue with PNC they do not resolve my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive asked and disputed with XXXX, asking to provide the documents supporting and proving the ownership of acct, they failed to do such and just updated amounts owed on the acct and closed it, if they can not provide proof of ownership then this needs to be removed from my credit as I have asked them directly multiple times via phone ( not saying someone committed fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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