BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
First I told them that I've sent letters to the 3 bureaus about the 1 debt collection agency ( dipute ) 2nd week later I informed them on their web page they suggested you only send documents that the dept of education XXXX was handling my student loans that was paid for in 2007 that's showing as late fees currently was sending letters to the 3 bureaus and I have no need for their services. After paying XXXX advance 2days later XXXX charges was told that fee will be a monthly payment now I'm in a contract have to buy my way out but can stop services at anytime

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Transunion 30 days ago. Requesting the removal of unauthorized inquires not attached to an open account.Requested they investigate this issue and in return send me the results of how they investigated. How they VERIFIED those inquiries on my current credit report as accurate. In which they did not do. I have no received anything requested SUCH AS my written signature on an application attached to those inquiries or an open account attached to those inquiries. Several attempts of contacting them and they only UPDATE the same information with a remark saying ( ACCOUNT IN PREVIOUS DISPUTE )

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 2022-09-08
Company: TRUIST FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX these companies, have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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 2022-07-20
Company: DISCOVER BANK
State: GA
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 customer service

Complaint:
The Discover consumer mobile application has been unstable for over three months ( as of XX/XX/2022 ) and a large number of users, myself included, are experiencing a " flash crash '' when trying to open the mobile app via a smartphone device. When clicking on the app icon, the app attempts to open and immediately crashes, preventing access to consumer credit and deposit account info and servicing functions. Additional details can be gleaned from numerous recent negative app ratings in the XXXX XXXX store. I contacted Discover via phone to try and find out if this was a known issue and if work was being done to resolve the issue and restore access via mobile app. The representative I spoke with ( XX/XX/2022 ) indicated they were not aware of an issue and it had not been sent out to the contact center floor as a known issue ( with corresponding talk track for handling complaints ). Since I first encountered the issue, Discover has published three new app versions on the XXXX XXXX store, and the issue persists ( consistent with other complaints in the app store ). 

XXXX XXXX version : XXXX Device : XXXX XXXX XXXX XXXX XXXX version : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Kriya Capital, LLC
State: CA
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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2017, Capital Accounts began reporting a medical debt to my credit from XXXX XXXX XXXX XXXX. This was shocking to find on my credit for a number of reasons. 1- I am insured, so there should be no debts owed to the doctor. And I certainly did n't know they thought I owed them anything, as I never received a bill. Otherwise, I would have handled the mistaken debt with them directly. I dont even know who XXXX XXXX is. 2- When I looked up Capital Accounts to make sure they were a legitimate company, and not one of the scammers that have become so prevalent of late, I discovered that they are n't licensed to collect debt in Florida . Both the doctor and I are both in Florida, so I 'm honestly not sure how it 's possible for them to be reporting a debt they are n't even allowed to collect. Though it may explain why I never received notification from them prior to the account being reported to my credit for non-payment. 3- The amount I supposedly owe keeps changing. When I look at the reported balance history on my XXXX report, the amount increases a couple of dollars each month. Is interest being added? Or has Capital Accounts decided to tack on fees for the debt? I did n't think that was allowed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: TN
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:
On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.

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 2022-02-17
Company: C/C Financial
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I'm not swayed that XXXX, XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX XXXX are reporting inaccurate information on Preferred Lease with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect a debt from me that is not owed. They have not submitted any validation or proof of me having a writing contract with XXXX XXXX XXXX, XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: The CMI Group, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, fraudulently enticed us with a false ad and wound up adding XXXX dollars to our bill that WE REFUSE TO PAY. We tried over and over to resolve this matter with their customer service people. However, they hire scumbags who lie and teach them how to lie to the general public, Then they incentivize them to do their XXXX XXXX. As a result, we have a XXXX dollar negative hit on our credit rating. I have sent the required letter of dispute within 30 days to CREDIT MANAGEMENT LP. I am requesting your assistance in dealing with this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I'm not swayed that XXXX, XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Bureaus are reporting inaccurate information on Capital One with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/22 I transferred {$290.00} to my PayPal account. It was my own personal funds so I could pay for my father 's groceries online. PayPal locked my account gave me no reason for doing so and then advised me that I wouldn't have rights to the account and that they won't give me my money back until 6 months from now. I feel that if they don't want to do business with someone they should return the money promptly and I believe that this is aligned with US law. I don't believe that they have a right to essentially get a {$290.00} interest free loan from me for 6 months without giving me account options or availability to my funds. I believe that they make up their own rules and no one in the government has had an opportunity to check on their operations to ensure that they're conducting themselves the way they should. They also use customer service from the XXXX that doesn't understand the laws of the US for financial institutions and they are rude. They don't maintain a solid customer service presence on their website and it's cumbersome dealing with them. They should have to hire appropriate customer service to cover the demands of dealing with people 's money in addition to researching the laws for financial institutions instead of thinking that their made up policies are sufficient enough to constitute law with no chance to dispute them. They believe that customers don't have a right to dispute anything with them and that's not the way we do things in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I never signed up for Syncrony Financials card security on my Care Credit Card. They have now for the past two months charged me over {$150.00} in card security fees that I never signed up for. It is surpassing my interest its ridiculous and I never opted in nor did I know that I needed to opt out of it. I have emailed them twice. Once on XX/XX/2018 as well as XX/XX/18 that is atrocious and I used this card to help me get myself better at the doctors not at some store getting a manicure.

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 2022-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my account taken over they opened a new account fraudulently. I had to open an account. Havent received no credits. I call and being lied to and told different things. Worst customer service.

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 2021-09-25
Company: EQUIFAX, INC.
State: NC
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 was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XXXX XXXX, 2017 yesterday ( XXXX XXXX ) stating that BOA was shutting down my business banking account in 30 days ( with restrictions to the account starting in 21 days ). The letter states that there is no recourse, and that no reason for this closure will be given. The folks at the local branch I 've dealt with were unable to shed any light on the reasons for this. I 've never, ever had any financial problems with my account, which is tied to my 22 year old business with a stellar financial history. The letter states that I can call in to an automated phone line and leave a message, but that BOA wo n't reconsider closing 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 non-monetary relief
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I enrolled in SantanderConsumerUSA 's Auto Bill Pay. They did not enroll me because I requested to have them draft more than the amount due monthly. As a result, I was charged a $ XXXX monthly late fee. Additionally, the customer service agent was unable to assist, take a payment by phone without charging a fee, and was slightly more helpful than a robot. Santander has had the wrong date of birth on my account and more than twice has failed to enlist me in the auto bill pay which has forced me to pay late fees and have a 30 day mark at least once on my credit report due to my inability to log in online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They said an acct was in my name in a city I used to live in with my ex. I have since moved to XXXX XXXX over 3 hours away 7 years ago. I do not live in that home and haven't in 7 years. Since I moved I apparently had things in my name. Me nor my ex live in that home and haven't in 7 years. I'm guessing some of my legal information was left in this home by my ex. I have never had this happen before but because it was in my name, I am left with the responsibility which is not fair. I have a standing XXXX XXXX Payment, Standing XXXX payment, and a Standing credit card that was opened in my name under these thieves. It's destroyed my credit. I didn't know these were in my name until it was already a negative impact. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been 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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been 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 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been holding Bank of America credit card for years and found it inconvenient in term of making monthly payment. I pay all my credit card balances in full to avoid interest as I don't need to take on expensive credit debt. I prefer to have an auto payment in full as I do for my other credit card. When I found out that I can set up auto pay a coupel months ago, I immediately do that. 

In the setup page, there are several options for payment amount, including the following : - amount due - minimum amount due - account balance among others. As I want to pay the full statement balance, it seems pretty obvious that my choice is amount due. in the page, they do have small blue words, when you click on it, a pop-up window will tell you exactly what these options mean. But at that time when I was setting up the auto pay, i did not notice it was there. Without any doubt that I have properly setting up the auto payment, I let the system made the payment for me. two months later, I notice I am getting interest charges in my XXXX and XX/XX/2020 statements. What happen is that the amount payment option only pay the minimum amount due each month. the coming statement will also have the interest charge. So a total of three month of interest changes sum to the amount of about {$200.00} has been imposed on my account. 

I think the web site is misleading. I call the customer service explaining what have happened and complained that the web site is misleading. I asked for a refund of the interest charge but the person told me there is nothing they can do and they can not give me the refund.

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 2022-09-08
Company: First Federal Credit Control, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I received a written letter from First Federal Credit Control XXXX, noting that I had {$100.00} in past due medical debt from the XXXX XXXX XXXX XXXX and XXXX. I had no record of having this debt, so I went on the First Federal Credit Control XXXX website and filled out a dispute on their site for disputing debts : https : //ffcc.com/disputes. I completed the form and asked for debt validation, including the records associated with the debt. 

I never received any debt validation, in writing, or via phone. Instead, on XX/XX/XXXX, I received a repeat letter noting that I had {$100.00} in past due medical debt. This debt is false, and I've never owed it. Yet, First Federal Credit Control XXXX has reported this debt and had it put on my credit report, which was spotless prior to that. 

I have verified with The XXXX XXXX XXXX XXXX and XXXX that I don't owe them any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Have sent certified letters and also have called to request that inquiries that I did n't authorize be removed from my credit report. I am always told to contact the creditors to request that they remove the inquiries. The creditors state that because I do n't have an open account with them that they do n't have any information on any inquiry being placed on my account due to them running my credit. I have been given the run around for the past few months no one seems to want to willingly help me resolve 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 2017-06-20
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.

Company response to consumer: Closed with explanation