BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: PA
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2019-12-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter  pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.

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 2017-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
When calling Portfolio Recovery Associates LLC to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from XXXX. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with XXXX letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: OH
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX mortgage payment was made XX/XX/XXXX bringing account current when it was previously 30 days past due. 
Credit Bureau was last updated XX/XX/XXXX showing 30 days late. 
XXXX and/or all three credit bureaus did not and have not yet updated reports showing I am current and it is now XX/XX/XXXX XXXX says they reported on XX/XX/XXXX ( see attached letter ). However all bureau 's still show 30 days late with no update from XXXX since XX/XX/XXXX. 
I have been waiting for the status to update so I may buy a more reliable car but I need my score to go up just a couple more points to qualify. When XXXX no longer shows 30 days late this should help. 
Unfortunately XXXX is still reporting 30 days late and when I call I was told three times that they have already sent the update to the credit bureaus. But - still no update. 
I am going to have a problem with having reliable transportation if the is delay much longer. The have not been truthful in communicating their reporting ( see attached ) and are in violation of the FCA.

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 2017-08-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previosuly filed a dispute with this company XXXX XXXX XXXX they responded with the fact that although the account has reached the statue of limitations and that they can still report it on my credit report! but after reading my rights it is to my knowledge that is account is now a zombie account as it states on my credit file that the 1st delinquent occurred XX/2011 there for this should be deleted off all 3 credit agencies and stop being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I CONTACTED SECOND ROUND AROUND XX/XX/2017 AFTER DOING MORTAGE LOAN IBQUIRY. I WAS TOLD SECOND ROUND PURCHASED ACCT. AND POSTED ON MY CREDIT RRPORT AGAIN LATE PYMT TO XX/XX/XXXX/XXXX XXXX DC. 
1. I NEVER RECEIVED LETTER PURCHASED OF ACCT HAPPENED, WHiCH COMPLIANCE DEPT CONFIRMED AT SECOND ROUND. 
2. CUSTOMER SERVICE XXXX TOLD ME XXXX NEVER TOLD THEM ACCT WAS IN BANKRUPTCY AND I HAD A LAWYER. SECOND ROUND REFUSED TO TAKE THEMSELVES OFF MY CREDIT REPORT. 
I NEVER PAID {$20.00} IN AGREEMENT WITH XXXX  XXXX XXXX. ACCT IN XXXX STATUS. ASK THEM TO PROVE IT WAS MY BANK XXXX THAT PAID. SECOND ROUND JUST KEPT TELLING I PAID AND STOPPED PAYING AGAIN. DID WANT TO INVESTIGATE. TGEY WAS N'T INFORMED WHEN PURCHASE AACT. I WAS IN XXXX STATUS AND HAD LAWYER WHICH XXXX ALREADY KNEW. 
PLEASE TAKE SECOND ROUND OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion continues to report a fradulent negative account on my Credit report. They are in violation of the FCRA.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.

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 2015-12-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Request : Deleted permanently from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2019-11-20
Company: Ridge & Valley Realty, Inc.
State: CO
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 had 4 collections on my credit report with Credit Systems Inc. I was told by the company that if i paid them that they would remove the collections from my credit report with the 3 credit bureaus. I have paid the collections and have repeatedly tried to get the company to remove the collections from my credit reports but have not been successful. I have also tried to get them removed by going directly to the credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a credit card XXXX with Citi ( originally AT & T ) for many years. I always pay with automatic payments. Recenltly I changed banks for payment services. I entered the new bank name, routing number, and account number into the Citi site on a timely basis. However, I received a penalty of {$28.00} for, supposedly not paying the card. I checked the website again, and everything was in order. There was no indication Citi had the wrong bank information. Nevertheless there was a penalty. I contacted Customer Service. After extended discussion, I was told it was a " computer glitch '' on their end and they corrected it and appologized. I was assured the {$28.00} penalty would be removed. 

XXXX : It just seems to be technical glitch, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : yes it does XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : We have taken care of this for you. 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : So I am current now? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Yes XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : No penalties or changes in my interest rate? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Not at all However, the {$28.00} fee was not removed. I contacted City again, and City was simply not responsive at all. No one responded to my questions. I gave up and tabled the matter for a few weeks. 

Today ( XX/XX/2019 ) I received an email claiming my latest payment was not made. I contacted Customer service and messaged " XXXX '', and she said my automatic payment was cancelled. No explanation. I am certain I did not cancel it. On the contrary, as explained above, last month I spent inordinate time making sure the auto-pay was working. Citi is behaving irresponsibly with my account. XXXX offered no help with the problem and refused to transfer me to a supervisor. I gave up, called XXXX and spoke to XXXX XXXX, who offered no explanation. However, XXXX XXXX acknowledged that I had set up automatic payment, but It was later cancelled by the bank with no reason given. XXXX XXXX assured me that the payment would now be processed, that auto-pay is reinstated, and there is no penalty. Naturally I am skeptical.

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 2021-03-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
just happened XXXX 2021 it was my first trnsaction using paypal, im using XXXX to sell/exchange bitcoin,,, the client paid me {$56.00} minus $ XXXX {$53.00} in total, ,i only gain XXXX to that transaction and my account now is limited for 180days, ,im just ordinary person whos looking for other source of income, ,what i want from paypal is to regain my full acces from them so i can continue what i started, ,thank you, ,my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX allowed a buyer to rescind an auction where sales are not refunded. XXXX superimposed its power to reclaim funds from seller account without authorization. These same funds were on hold for 21 days at PayPal due to Buyer suspicious activity. XXXX illegally pulled funds and left the seller in a {$6.00} deficit due to PayPal fees. PayPal allowed this although when questioned, XXXX denies any affiliation with PayPal and PayPal denies any affiliation with XXXX. XXXX was able to STEAL money unauthorized from seller account. 

XXXX then relisted this same item. A new buyer won the auction and the dispute is NOT finished. Now the money has to be refunded to the new buyer and XXXX  will be paying for all fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Overton , Russell , Doerr and Donovan , LLP. Has been refusing to send me any letters or statements that ALL my accounts are paid in full and closed. They sent me a statement for one of the charge off accounts but non of the others. There were 3 listed accounts with ORDD and I need a letter for all 3 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: OH
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR 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 explanation
Consumer complaint received 2017-08-24
Company: ALLY FINANCIAL INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I currently lease a XXXX XXXX XXXX XXXX through Ally. I am within 90 days of the end of this lease and as I have done many times before with leased vehicles, I considered trading in the vehicle early. I contacted Ally on XXXX/XXXX/XXXX to request a payoff amount and was given a figure of {$23000.00} good through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I decided on a new car to purchase and arranged a trade-in deal with the dealer based on them taking my XXXX XXXX XXXX and paying off the lease through Ally. 

When the new car dealer went to verify payoff information through Ally, they were told that the payoff amount of {$23000.00} that I was quoted was only good if I purchased the car for myself. In order to take the Jeep on trade, the dealer would have to pay Ally over {$27000.00} in order to payoff the lease. I feel that having different payoff amounts is a deceptive practice by Ally. I understand that early payoff of the lease is a calculation based on the original lease contract terms including the vehicle 's agreed-upon residual value. That amount should not change whether I am buying the car for myself or trading it in to a dealer. There is no mention in the lease contract of the difference in payoff of the lease for me buying the car vs. trading it in.

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