BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020, 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have done everything I know to do and sent documents regarding this account on my credit report and proved the violation of my rights for 12 months now but they will not remove it.

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 2021-07-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a Bill Pay payment on XX/XX/XXXX via my business Chase account as I always do every month without any issues for my car payment. On XX/XX/XXXX, i get an email alert asking me to verify personal information including my DOB, complete name and address. For security purposes, i never verify any of that through any application. I called Chase myself on XX/XX/XXXX and confirmed whatever they needed. I specifically stated that i authorized the bill pay payment of {$400.00} to XXXX XXXX XXXX. They assured me that the funds would get released. Since that date, I have continued to receive the same online message telling me to validate my personal information AFTER i was told everything would be ok. Today, i called Chase again because of the continuous issue of emails. I find out today that the bill pay payment was never released and has been under review since XX/XX/XXXX. I spent 3 hrs on the phone and was transferred to Fraud Dept, Online support, you name it! No one can help because this issue does not belong to any of them as i was told. I was hung up on even after requesting a higher person in charge due to the incompetency of everyone wanting to transfer me to other people that are not able to release my bill pay payment. I have vaildated my information and transactions over and over! I need this to stop happening and have the check released to my lien holder! They are putting me at risk of having my credit affected due to no error of mine. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
PayPal permanently Limit My account For No Reason And I'm Facing Financial issues And I didn't do Anything Wrong And they hold my money 180 Days for no reason. And I need That Money Urgently Because I'm A Facing Financial Problem Due To Corona. Please I want Money. 

My PayPal Email- XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Chime Financial Inc
State: PA
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:
On XX/XX/2021 XXXX Limited $ XXXX $ XXXX {$670.00} I filed a Dispute With Chime Banks Dispute Dept. , Was Given A Time Frame Of 90XXXX, that they would have a final decision to refund the said amount listed above, it is now 90 days today they still haven't made a decision, nor have they returned my funds, it's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open XXXX. I asked for a provisional credit since I've waited for so long, I was told that my particular transaction does not qualify for a provisional credit. Then, when I called them again at XXXX XXXX  on Untitled ticket XXXX XX/XX/2021, now its at the end of their business day ends at XXXX XXXX  on Saturday. At XXXX I Spoke To XXXX manager on duty Chime employee ID XXXX, Who is now saying that My Claim Was Actually Supposed To Have A Decision on XX/XX/2021, instead of XX/XX/2021, she has to now escalate it to the investigations dept. to, make the final decision, and someone will reach out to me within 3 business days After I already waited 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service, INC which is a collection company violated my consumer rights pursuant to the FDCPA on XX/XX/2021 which they're attempting to collect in the amount of {$1500.00}. I sent them an affidavit of truth along with an invoice which amounted in the total of {$14000.00} to collect remedy for their violations. They sent me a letter compiled with multiple violations under the FDCPA which included : 1. 15 USC 1692f 2. 15 USC 1692c ( a ) 3. 15 USC 1692b ( 5 ) 4. 15 USC 1692d 5. 15 USC 1692e 6. 15 USC 1692b ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX  XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}

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 2021-07-25
Company: Bread Financial 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: Account status incorrect

Complaint:
I have a credit card from CCB/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CCB/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a BBVA XXXX Credit card in XX/XX/2020 because of a promotion they had. If a person spent {$4000.00} in 90 days or less, they would receive XXXX points. I met my spending but was only awarded XXXX points. I confirmed with my banker that I met the terms of the offer and he confirmed by email. But so far the bank has not awarded the advertised points. I'm attaching the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed inaccurate information with XXXX  and Experian reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter

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 2021-07-24
Company: Experian Information Solutions Inc.
State: FL
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 have a auto loan with capital one that has 10 inaccurate payments. These items are inaccurate because for one, the balances are reporting different across all three credit bureaus and the months they claim i was late are different across all three bureaus. Also according to THE LAW USC 1666 its against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

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 2017-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Current Information on TRANSUNION CREDIT report is Incorrect These account are not mind and would these credit report TRANSUNION to provide my with how account are mind. I need proof in writing that TRANSUNION has the right to REPORT this INCORRECT Information. 
XXXX XXXX Other XX/XX/XXXX Closed {$0.00} Account Details Last Reported XXXX Creditor Name XXXX Account Type Telecommunications / Cellular Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$610.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Latest Status : Collection/Charge-Off no payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/2017 Creditor Name XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$410.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late XXXX Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX IA XXXX XXXX _____________________________________________ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency AD XXXX Original Creditor 12 XXXX 69 Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility XXXX XXXX {$0.00} High Balance {$300.00}

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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following credit inquiry listed on my Trans Union credit report is unauthorized and fraudulent, and not my credit inquiry : XXXX XXXX XXXX XXXX, XX/XX/2021

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 2021-07-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has agents who are using discriminatory, predatory, fear tactics, and practices to collect loan payments, and trying to dispute forbearance options lenders have. Agents told me I had used up all my forbearance options, and told me other borrowers who had run out of forbearance had family to help them pay the loan. I explained to them I didnt have family who could help me pay, that I had been in icu for a month, Im no longer employed and unable to make payments, prior to this I experienced loss of income due to pandemic. Agents were rude and inconsiderate and as I stated tried to use fear tactics to force me into repayment even though I have no income at this time. They made several harassing phone calls to me in one day about outstanding payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There 's several names that are fraudulent on my account that I 've never used and I 've asked them to be removed with no resolve. I have even sent in a letter that displays a copy of my driver 's license that was notarized and it still has not been removed! I am tired of this incorrect data being reported.

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 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX primary residence and mailing XXXX I am writing this complaint as a last resort. Last year with covid we were treated in disregard by XXXX I have attempted to get all documents relating to our loan since my initial complaint, have called left voicemails and sent emails with zero response from the company I have went online to make payments and not been able to or to even see my loan history or where all these fees late fees etc. I requested a forbearance which was initially supposed to be granted but due to them telling me that I didnt have fha I set up a repayment plan. I then paid on this as agreed and then we had a horrible storm come through causing damage I requested a forbearance which was granted of 6 months a rep came out and took pictures afterwards of the roof and a few other things and said they would be in contact but I have failed to get anyone with Selene to answer my home has multiple issues that need repaired and I am currently working with the office of disaster assistance /fema as directed I have asked again about forbearance payment arrangements etc all I have gotten from them is a forclosure letter stating XX/XX/XXXX as the date I even ccd the attorney office on this, XXXX XXXX requested documents as well in regard to this being fha and to distribute these per respa and they still have not : I am trying to keep my home, I am an XXXX veteran, we have been through this with them several times and I never can get answers or we are treated like we do not matter. I was informed by an attorney They still have funds left from he bailout in XXXX and received even more to help homeowners which have not been used. We need help and to be able to stay in our home and have it repaired appropriately instead of living somewhere we cant even get the mortgage company to answer a call to even get a check signed by them for repairs to be done. When I went online and checked about this numerous complaints were found with the same issues. This is very sad to be treated in this way when we have had our loan since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Investment Retrievers, Inc.
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Investment Retrievers has been talking to my wife regarding my account. According to Alabama law, debt collection agencies should not talk to spouses. 

Investment retrievers has talked and negotiated settlements with my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: American Coradius International LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Coradius International LLC is demanding payment for a debt they allege I owed XXXX in the amount of {$630.00}. I never did any business with XXXX that could have resulted in any unpaid amount to them or American Coradius International LLC. American Coradius International LLC is using unfair and deceptive practices to collect debts that consumers do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Was living in a home that was being managed by XXXX XXXX Rental Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX we complained of smelling mold in the home. they had people to come out to try to fix the problem with no success. we gave them 30 days notice informing them we could not live in the home due to smell since we had children. they tried to make us stay until they found a new tenant. due to our safety we left after 30 days of finding a home and they put this on our credit without us knowing

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