BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my TransUnion report as a result of my dispute. On XX/XX/2020, TransUnion re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' TransUnion failed to notify me of the reinsertion. I was notified through my own credit monitoring software.

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 2020-03-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, Equifax and XXXX  as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CITIBANK, N.A.
State: HI
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 hav e the Citibank Double c ash back credit card. From  XXXX   XXXX , there were unauthized charges to my account. I disputed the charges on or about  XXXX   XXXX . I was told I was not going to be charged for these amounts. On or around  XXXX   XXXX , I was credited approxim ately 1/4th o f the fraud charges. On  XXXX   XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges.   
Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl  es. '' I want my money back immediately. I 'm prejudiced by not having this money.

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 2022-04-11
Company: EQUIFAX, INC.
State: AR
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:
XXXX and Equifax are reporting an inaccurate account. I sent letters out and XXXX was the only bureau to remove the negative account. XXXX and Equifax have failed to respond with any proof of this account within 30 days. Please remove the following account from my credit report immediately XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: FC HoldCo LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been try to communicating with this collection agencies by asking them to provide proper documentation by validating that the account belong to me by showing the proper documents with my signature on it and make sure this account was opened by me and know one else. They refused to they just send print off stuff that im not aware of. I am willing to take care of account if it get validate properly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft Ive been locked out my accounts impersonated and they obtained loans and homes in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: PR
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:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Paid in full account XXXX XXXX XXXX @ XX/XX/18. ( enclosed letter evidence {$0.00} balance ) Paid in full account XXXX XXXX @ XX/XX/2018. ( enclosed letter evidence {$0.00} balance ) My credit reports dont reflect the accounts in {$0.00} and change daily my score. One day  reflect partial balance and two day after back to the original balance. I disputed many times to correct this problem.

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 2015-07-31
Company: GMA Investments, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from Summit Receivables regarding a debt with XXXX XXXX. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from XXXX XXXX.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXXBalance {$760.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

Thank you,

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 2021-03-22
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: Charged too much interest

Complaint:
XX/XX/XXXX Capital one Credit Card multiple calls XX/XX/XXXX Capital Credit Card XX/XX/XXXX ask on multiple occasions to lower my rate. I have perfect credit score. I have 2 accounts with them one with a really low rate and high limit. One with low credit limit and high rate 19.99 % I asked many time over the last few months and get the same response we do not lower rates or negotiate them. No reason why ie pandemic. Every single credit company i have business as standard practice negotiate interest rates based on credit worthiness. I esclated this up the management chain to supervisor same scripted response no explanation as to why its is so high. No what would i need to do to lower it. When i mentioned I was filing this complaint they did not follow guidelines for who it need to be forwarded to within capital one. After holding for 15mins I was disconnected. Called back on hold again for 10min. Then hold again for 10min for supervisor then 10 again so 40min to resolve something that should have taken 5 to 10mins tops. This complaint is they seem to be acting out of bank standard without offering options. That and now following established bank compliance 's on how to handle complaint that gets to this level. The time i was disconnect no call back. Considering what people are going thru with pandemic this horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Citi Costco card. I never wanted the card and never used the card. I cancelled the card in writing on XX/XX/XXXX. I have a copy of the written cancellation mailed to Citi. Today ( XX/XX/XXXX ) I received a bill on the card for {$59.00} that I never authorized. I spent I do n't know how much time. Now the representative is giving me leading and misleading questions, trying to get me to agree to say things that are not true. For example, I have to say that I have the credit card when I do n't, I never authorized the card, I do n't want the card and I cancelled the card ( without ever using it ) in XXXX of last year.

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 2016-10-01
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX. 
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie. 
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond

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 2015-04-28
Company: Oracle Financial Group LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received numerous calls from this number from an automated system. There was no way to opt out of the calls or to tell them I was not the person they were searching for. Then received a call from a " XXXX XXXX '' who left a threatening message on my voice mail. I am clearly not the person they are searching for. Threatened to come to my home and my work. Called from a blocked number but left XXXX as a contact number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my Axos XXXX account on XX/XX/2021. I originally had my funds with them as my " new house '' fund. I have made an offer that was accepted on a property so now I am trying to withdraw my money. They told me, originally, that the ACH would go out by the XXXX, it did not. They then said it could take up to 10 business days which would make it the XXXX. It still has not been sent. Now they are telling me it will take 5 more business days. I am afraid that they will keep telling me " just a few more business days '' for a long time. And I need my money for my house, or I will lose it. There is definitely something suspicious going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, XXXX XXXX. I have contacted the credit bureaus ( Transunion, XXXX, and XXXX  ) on numerous occasions along with contacting the creditor, XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX has yet to provide a response to my initial complaint. However, XXXX, XXXX, and Transunion continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to Transunion, XXXX, and XXXX  requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( XXXX ) Correspondence to the creditor 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 explanation
Consumer complaint received 2016-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services is inaccurately reporting this debt from XXXX XXXX on my credit report. I have asked the company to remove it, and they hae told me it will be removed in XXXX. I have paid the debt with XXXX XXXX directly

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I write in response to an issue with PayPal. I sold an antique bracelet on XXXX, and was provided with a shipping address to XXXX for the buyer. I shipped the bracelet via USPS with full insurance coverage, and after many weeks in customs in XXXX the bracelet was finally received by the buyer. Once she received it, she claimed the bracelet was damaged. I advised her that the bracelet was antique and had some cracks and chips as delineated in the XXXX ad, and further advised her that the bracelet was in customs and it was unknown to me whether or not it had been tampered with. 

Much to my dismay, PayPal debited my account for the full amount of the sale once the buyer opened a case, and left me with a negative balance. I am certainly eligible for Seller Protection through XXXX and PayPal, who are both jointly owned. Most disturbingly, however, is the fact that I never received the bracelet back from the buyer and it seems that her XXXX  account has disappeared. 

I am hereby demanding that PayPal issue a full and complete refund back to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,

Company response to consumer: Closed with explanation