BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an open account on my credit that is not my responsibility, if there is strong belief that it is my debt then i would like all paperworking providing information that it is in fact my responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Today, XX/XX/2021, I received a debt collection letter from XXXX XXXX XXXX XXXX. They say tgat PayPal Inc sent my account to collections and I owed {$860.00}. I was supposed to contact them within 30 days. Also, that PayPal was willing to accept partial payment of {$650.00}, paid to XXXX. Once this is paid, if I wanted to use PayPal again, I would have to pay the remaining balance. A few years back I used PayPal to make a purchase, but because I never used it I recently closed the account. I did not owe money because the PayPal account was attached to my bank account. I looked up this company 's address and it comes up as XXXX, NY, not XXXX as on the letter and it is a small little office. There are a ton of reviews attached to the XXXX search warning people not to pay, it was a scam. It is the weekend so I have not been able to call yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX, $XXXX, $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- CLOSED ACCOUNT --1. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- AUTO ACCOUNT --2. XXXX XXXX XXXX XXXX with ACCT #XXXX   opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.-- COLLECTION ACCOUNT --3. XXXX XXXX/XXXX XXXX with ACCT #XXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Good morning Time and time again I have tried to discuss and have someone fix this. I have a student loan by XXXX the department of education which first garnish my payroll at {$40.00} weekly through a rehabilitation program and at the same time I had a separate $ XXXX   monthly payment that is automatically paid. Neither those amount were neglected or default but time and time again this company reported me late and on default damaging my credit. Further I have completed my rehabilitation program. As of XX/XX/XXXX due to the pandemic the Care act was placed that states that all student loans should not be reporting negative to the credit bureau. The care act also states about {$0.00} interested and even forbearance to be put in placed. Yet on XXXX XXXX reported me negative decreasing my credit score damaging my chances to qualify for a home that I so much need. This needs to be stopped. I have complied with all the requirements and no one seem to care and continue addressing this matter with careless and rude behavior. My credit shouldn't be mark negativity from the beginning. XXXX has been recieving payments upon agreement. I need someone to seriously look on this matter because this is unacceptable and very dangerous to my credit and is affecting my living possibilities. I do not believe this company have treated me fairly from the start. I need someone to make them address this matter properly

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 2017-01-13
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
While at work I my name was announced on the company 's PA system loud, that Express Recovery Agent was looking for me and transfer me the call. He identified himself as XXXX XXXX from Express Recovery and he was going to garnish my wages if I did not pay him immediately. He 's tone of voice along with his threatning statement was very blunt and intimidating. I asked for a settlement and he refused and Again made the comment to garnish my pay check and even file a lien on my property.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2019-12-05
Company: AMERICAN EXPRESS COMPANY
State: RI
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 had an issue with American Express. One of my ex employees used my card for unauthorized expenditures. When the informed me that notwithstanding the unauthorized use, I was still liable for the charges I tried to work out an arrangement to pay over time. I was not able to afford the monthly payment amount they offered me so they filed suit against me. The attorney who represented Amex offered me a settlement amount, they said if I paid that amount it would be considered paid in full, the suit would be dismissed with prejudice and it would be a derogatory issue on my credit report. I borrowed the money, paid the law firm and the suit was dismissed. However Amex won't remove it from my credit report. Because of this unfair, deceptive and predatory action I have had difficulty getting credit and I have to pay a lot more in the interest rate. I would like Amex to live up to their end of the bargain and remove the derogatory remark from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed these items and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The accounts are not removed from my report. They have provided ZERO VERIFIABLE PROOF needed to justify the accounts but they are still reporting these items on my file which is causing so much emotional and physical stress on me. I'm still here shelling out money with no end in sight and no results to show. Also, I have talked to the furnishers and they agreed to delete the accounts from my file. PLEASE DELETE THEM NOW! 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: ONEMAIN FINANCE CORPORATION
State: NJ
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 have tried to get funding and or credit from different sources online. They all say that they will do what is a soft pull. But then it turns out they make a hard inquiry and it has hurt my score. We are in the middle of a Pandemic here. I think it is unfair that my score is being dragged down because of unauthorized Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Big Picture Loans, LLC
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Big picture loans did not provide the loan due to an error of the account number for my bank on loan contract. I called them and found out there was an error and told them through both phone calls to their XXXX number and emails ( which they never responded ) i wanted to cancel the loan agreement. They went ahead and somehow deposited {$500.00} into my account. I called customer service 10 times trying to find out how and why they did this after i cancelled. They stated they would debit my account the {$500.00} and cancel contract. This has not happened and when calling them they said they have the wrong account number and i gave them the correct one and they said they had to escalate the issue. I want to make sure they are not trying to force me to a contract or default status with their demand pay verbiage for full fees due. Need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Cascade Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax in XXXX 2019 asking for evidence of how accounts were being verified on my account. I never received this information only the echoed words of the creditors. I understand that the accurate reporting of accounts on my credit report is not only the responsibility of the creditors but it is also the responsibility of the consumer reporting agencies. I also have a recorded phone call of an Equifax representative openly admitting that the verification process is simply a digital yes or no response from the creditors. There are no additional steps taken to ensure the creditors are providing accurate information to the consumer reporting agencies. The FCRA states:(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report itshall follow reasonable procedures to assure maximum possible accuracy of theinformation concerning the individual about whom the report relates.Equifax has not provided resonable procedures to assure maximum possible accuracy of the information concerning my report as they are only requiring creditors to relay their own responses without the requirement of evidence to support their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have asked 3-4 times for a copy of a rewards letter ( XXXX XXXX ) that was earned. Every time i was told it shouldn't be a problem and another team needs to investigate. Nothing has been done and the XXXX XXXX does expire

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 2022-08-05
Company: EQUIFAX, INC.
State: LA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX {$10000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call on XX/XX/XXXX from XXXX XXXX XXXX telling me a civil complaint was filed against me, gave me a phone number to call XXXX and a claim number : XXXX. The company I called said their name was XXXX and they had a complaint about debt to Bank of New York/Mastercard for {$6700.00} from XX/XX/XXXX. If I agreed to pay it off today, it would be only {$4200.00}. If I didn't pay they would garnish my wages. I explained I never did business with Bank of New York or MasterCard and this debt didn't belong to me. I asked for written proof and was told that many letters had been sent to my address. I never received anything. I was told it was " too late '' for that and I had to make arrangements right away. They had my social security number and date of birth as well as my name and address. I am afraid they will use this information to steal my identity or some other criminal activity. I hung up after telling them again to send proof. I also sent them a letter stating the same thing. I received another call that day, and one again today from XXXX telling to call the XXXX number  regarding a civil complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've contacted Kohls regarding late payments that appear on my credit report, I received these through no fault of my own. To date I have not received not one statement on this account by mail or electronic, every time I was contacted for payment I paid via phone, but now I have 8 thirty day late on my credit reports. I have contacted kohls to no avail on this matter and I don't believe it's fair for me to have to see this on my credit report for 7 years through no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, On XX/XX/2020, I sent money via " friends and family '' using PayPal 's service to someone who turned out to be engaging in fraudulent conduct. This person was believed to be associated with my sister 's church and I was transferring money for tickets to a XXXX  conference. After sending the funds, I was provided with a link that would not work for the tickets I had paid for. The name on the person 's PayPal account was also different than the person I believed I was purchasing the tickets from. I immediately contacted PayPal when I realized that I had been scammed and they told me they couldn't help me as it was a " friends and family '' transaction. They suggested that I contact my bank, which I did and put and stop payment on the funds coming out of my checking account. The funds were only briefly taken out, but then returned to my checking account. I then filed a dispute with PayPal as my PayPal account was showing a negative balance. PayPal claims to have reviewed by account and has closed the case. They are permitting this individual to scam other people. I would like assistance in crediting my PayPal account, but most importantly, I would like to have this person stopped as PayPal hasn't done anything to prevent it from happening again to someone else. As you can see in the messenger thread I've attached, the person providing the tickets was " XXXX XXXX '' but the name on the PayPal account is " XXXX XXXX. '' The person took themselves off XXXX XXXX shortly after the event occurred and I was unable to reach out to them. I have made XXXX aware and have also filed a complaint through the FBI 's Internet Crime department just yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: AZ
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
The account is a corporate account and now it 's placed on my report. The company is responsible for the debt but the creditor will not remove it from.my report. It is harming my score. I 've called to rectify this issue but everytime I speak to someone, XXXX answrs

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