BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this account because I did not recognize it. I have never done business with a company named PRA. All of the credit bureaus told me it was verified as accurate. They only send me two credit card statements. They did not send me anything that shows I am legally required to pay them. I don't just send out checks to everyone who sends me a bill in the mail! There are way too many companies out here ripping people off. I am not going to get ripped off by this company. I have already seen online where PRA has a history of cheating and ripping people off. What if XXXX comes back and tells me I did wrong and should have paid XXXX instead? I don't have the money to pay this two times I am not even sure this is mine. No one has done enough to show me it is. So, at XXXX an account was opened in my name some years ago. Now the only thing left of it is two computer-generated statements? Anyone could have made these. I can go on my computer and make statements in someone's name. That doesn't mean that person really owes the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BARCLAYS BANK DELAWARE
State: NC
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  and Barclays Bank pulled my report without, y consent. I did not authorize this to be done.

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 2016-12-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I called ConServe to pay a loan I currently have in default with recent spike in discretionary income I 've received. The person I spoke with informed me that the call could be recorded and it was an attempt to collect a debt. I let them know I wanted to make a hundred dollar payment. Following the successful entering of my payment information over the phone I asked for my balance. The informed me it was upwards of {$1800.00}. I asked what fees did they add when they received the loan from XXXX. The person on the phone said {$28.00}. I informed her that before XXXX sent my loan to collections the balance was {$1100.00}. She told me that the interest accrual was 5 % a day. I ended the phone call and immediately called the Consumer Finance Protection Bureau hotline to inquire whether those actions were lawful. The person I spoke with informed me that they could n't dispense legal advice but that the interest on a perkins loan was fixed at 5 %. I asked what I should do if I were looking to file a dispute. The representative informed me to contact the company and have them send me their policy in writing. I ended the call and called ConServe back and asked to be sent the policy. The woman I spoke with became very irate and aggressive, and almost shouting said they had no policy and that the interest and extra fees tacked onto the remaining balance were set by the University XXXX Georgia. I have no idea who to believe and need clarification as to where over {$700.00} in fees came from and whether or not this addition to the principal was lawful before I pay so much as a dime to an independent loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Guidiville Indian Rancheria
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2020 and XX/XX/2020, respectively, I mailed letters requesting validation of debt to XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX. XXXX XXXX XXXX refused to provide validation of the debt and instead and mailed me a letter instructing me to contact XXXX XXXX / XXXX XXXX. I mailed validation request to XXXX XXXX / XXXX XXXX   to which they did not respond within 30 days. 

As such, I am writing to request you delete this account from my credit report as neither reporting company validated that I owe this debt. 

Creditor : XXXX XXXX XXXX / XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Bread Financial Holdings, Inc.
State: NV
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 recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, COMENITY BANK/FRONTGATE immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with COMENITY BANK/FRONTGATE throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that COMENITY BANK/FRONTGATE never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
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 information incorrect

Complaint:
XXXX is reporting inaccurate information on my Equifax Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted Equifax XXXX XXXX and XXXX exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my Equifax Credit Report " Deleted ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I began the lending process in XXXX at which time a rate was locked in. After FOUR MONTHS of DELAYS, including the wrong loan type being identified, the contractor submitted incorrect quotes multiple times and several delays from the underwriter, I was suddenly notified that the rate will increase. 

This is unethical and predatory, based on the delays being caused by the financial institution, to pass this cost on to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: ALLY FINANCIAL INC.
State: AL
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 inquiries that I do not recognize on my credit report. 

XXXX : XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX : -Ally Finance Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/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 2020-12-28
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Contacted Discover Bank Regarding Unauthorized Charges on checking account. this is the second complaint filed after reviewing 2 emails from Discover after getting a complaint from cfpb saying they are working on it and will get back to me still has not been done no response. they reversed XXXX $ in unauthorized charges and wont correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Affirm Holdings, Inc
State: WA
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:
Affirm INC is reporting incorrect information to my credit report. 

-Two year payment history in correct and incomplete. 

-Last payment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This complaint is in regards to the reinserted information on my credit report, after the information was previously deleted for years by Transunion credit reporting agency. This type of practices have had a negative effect on my credit score and holds down my abilities to make purchases. I 've contacted them about these practices several times to have the same thing done over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Acct # XXXX XXXX balance was paid. Inaccurate balance 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Walmart is reporting inaccurate information on my XXXX Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted XXXX XXXX XXXX and Walmart exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my XXXX Credit Report " Deleted ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Application processing delay

Complaint:
I was denied credit due to " unable to answer with correct security questions '' Neiman Marcus has denied me credit for being UNABLE to verify my identity and has put an inquiry on my XXXX credit report. I am asking that NEIMAN MARCUS follow the proper protocols by verifying that it was indeed me applying for credit or to REMOVE inquiry off my my XXXX credit report since they can not verify that it was me who requested credit. It is against the FAIR CREDIT ACT and I will utilize my rights. Application ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My complaints involves not being able to get contact with the second tier level customer service representative to help me get my account unfrozen since about 3 weeks ago. Initially I complained in mid XXXX about a {$600.00} charge to my unemployment that I did not make myself. So I was sent a replacement card and the former cancelled. Then about 2 weeks ago I try to pay my rent and my card was declined. I was told to call EDD to verify funds were still goin 2 account and afterwards notify BofA of said approval. And they were. Bof A then told me that my account was under investigation and frozen until they conclude their end of this ordeal. As it stands today I'm still without funds to survive. Then every time I get on the phone I'm either met with the runaround or just disconnected from the phone all together after waiting several several minutes to hours. I just want to get my account unfrozen so I have access to my money and I can pay for my basic needs i.e. food and rent. I was initially told at first 24 to 48 hours by a representative and then it turned into several weeks that I was told to potentially wait to get my account unfrozen. if you could assist I appreciate that thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ever since SunTrust became Truist, I have been unable to contact customer service. Online chat feature is disabled and no branch appointments available within 100 miles. Phone wait is hours long. I deposited {$2000.00} to a checking account on XX/XX/XXXX and on XX/XX/XXXX {$240.00} is missing. I have not used the account and no transaction appears to explain the missing money. This is the worst bank I have ever dealt with. Zero customer service and disappearing money. 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 explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 see a lot of inquiries on my credit I have not approved

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 2020-12-28
Company: Paypal Holdings, Inc
State: NY
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 have used PayPal to conduct business for over the last 6 years and have done millions of dollars in transactions. In XXXX PayPal shut down my business account and froze $ XXXX for 6 months. 

I was informed they closed my account because I violated the Acceptable Use Policy but I strongly disagree with this. There are over 20 other businesses that sell the same products as me and PayPal has not shut them down even after I informed them of these websites. 


Furthermore, my personal PayPal account was shut down in XXXX. 

PayPal has a monopoly on the payment industry and I am essentially being banned from using this service for life for violating the AUP which is not right or even correct. 

I have used paypal for 15 years and they were fully aware of my business and what I did the entire time I used. If I was doing something that violated it I would not be using their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: PNC Bank N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
i tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.

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 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am XXXX and receive XXXX. 
Four years ago, while living in Florida, my doctor advised me to go directly to the XXXX XXXX at XXXX XXXX Hospital. At the time I was awaiting my XXXX determination and was covered under XXXX XXXX, XXXX and the XXXX program with the XXXX XXXX XXXX. I have never had any unpaid medical bills prior to that. While checking my credit report I found that a company called XXXX XXXX had placed XXXX items on my credit report. The largest from XXXX Hospital is almost {$3300.00} from XX/XX/2013 which was sold to collections just as the 4 year limit of statutes expired. XXXX XXXX did the same for {$990.00} for what has to be the same visit to XXXX XXXX XXXX. They have made my credit suffer and these accounts had to have been paid by the State programs put in place or else XXXX but no one has that information stating the debt is too old, yet they just added it to my credit report.

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