BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone kept texting me with the debt from XXXX XXXX ( which we are currently dealing with ) saying we owed and here is the account information. To please log in and work on it. 
So I XXXX the bank and log in information and it all checked out so I figured it was legit. 
I logged in and low and behold the account was not legit ( not even mine ) but had my social and my address all there with it. 
Now we are trying to lock all our accounts because when I logged in all it did was verify that was my account ( even with the wrong name )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account was locked//frozen when I attempted to transfer my money off of the debit card. I attempted to email and chat with customer associates. I also called. No one could give me a reason my account was frozen or the correct ways to unfreeze it. The manager responded it is out of her hands even! As a private practice XXXX, my clients trusted this Platform when they sent their payments and copayments to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous.

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 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report with Transunion shows serious delinquency. All I am asking if I qualify to be seriously delinquent for being late for XXXX payments, which is atleast 3 years old and no late payments after that. How do you grade the latepayments? What happens to XXXX who is late for XXXX or more late payments, ( admit them to intensive care I guess ). I Called them typical answer is you have late payments nothing to be done. I do not agree to the methodology adopted to screen the customers this is not ethical to my unterstatnding

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Late fee

Complaint:
I have XXXX credit lines with Capital one all were on ACH. For some reason - XXXX of my cards is n't on ACH all of a sudden and then I received an email this morning relating that I missed a payment ( Discovered later on my own - Capital one CS could n't explain this to me ). No calls or emails were sent indicating i missed my late fee until just now, which was stating i was n't eligible for a credit line increase for 6 months. They also charged me a XXXX fee. When I called the customer service line and indicated that I made my payment through the application she just continued over and over to ask if I wanted to make the payment. I indicated to her that I had ACH and wanted to understand why they did n't draft and that all my accounts were on ACH and that I pay much more than the minimum monthly ( Just paid XXXX on another capital one card last week ). She continued to just ask me if I wanted to make a payment and that they could n't retrieve my funds ... I continued over and over to ask " WHY '' you could n't retrieve my funds. There was more than enough for the minimum payment to draft from my financial institution. Again she said that she did n't know and if I wanted to make a payment. Clearly I was becoming frustrated so I asked for a supervisor. She transferred me to a phone line that indicated they were closed ( Calling Monday XXXX XXXX 2015 @ XXXX XXXX EST ). The rep just xfered me over and the line states to call back after XXXX Est when they are open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and someone try opening up account in my name so there are a lot of inquiry on my report with TransUnion and XXXX, XXXX XXXX/XXXX/2016 I already have an account with them, XXXX XXXX/XXXX/2016 never open any account with them, XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX/2016

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 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Past Dispute XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XXXX XXXX, XXXX XXXX XXXX, XXXX Completion Date Dispute Results TransUnion received your request on XXXX XXXX, XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report. 
If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 
Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX, XXXX Open {$87.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date Responsibility Individual Balance {$87.00} High Balance {$87.00} Remarks Placed for collection

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 2019-12-05
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of  this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', Experian still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to XXXX XXXX XXXX. XXXX XXXX XXXX was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, XXXX XXXX XXXX reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, XXXX XXXX XXXX responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, Experian still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to 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 non-monetary relief
Consumer complaint received 2015-11-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to retrieve my federally required free annual credit reports from the big XXXX. I received my XXXX and XXXX reports but received a notice stating " a condition exists that prevents Experian from being able to accept your request at this time '' could this condition be the fact that the last time I could n't get my experian report I filed a CFPB complaint and they are retaliating? The last time I could n't recieve my report was because information in my credit report was incorrect ( and still is because they do n't offer a way to dispute wrong addresses ) I have never ever ever used XXXX XXXX ca and likely never will. I demand my legal right to access to my credit report, if no action is taken to resolve the online process for me, I will take you to court for violating the FCRA.

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 2022-10-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been paying my Amazon store and my paypal credit accounts religiously for years and the only time I had any issues paying on time or just passed the due date was during the initial months of the covid crisis. Synchrony decided to close my auto care card in XXXXXXXX XXXX XXXX during the main time of covid when every other credit and financial company was helping their clients. After they closed the account, I appealed the closure, that in turn got denied. After that, I told them they wouldn't see a dime paid towards the account and I have kept that promise on that specific account. All open accounts were caught up and kept in good standing before and after covid without question. I have made the payments since learning of said closure of these two ( Amazon and Paypal credit ) in good faith that these two will be reopened.

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 2022-10-26
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never sent a letter by Southwest Credit Systems ( XXXX ) XXXX for any debt. Yet they entered a collection for XXXX dollars. I paid this debt, and they have refused to provide me a receipt of payment. It is also still on my credit. They called me again today stating I had another debt, from a company I have never done business with and did not provide proof. I paid it, and again they refused to provide me a receipt of payment. In the past they would call me at all hours of the day and night and used multiple phone numbers to do so. At XXXX pony they were rude and abusive after I refused to pay them using my VA XXXX income. I finally caved and used that income to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.

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 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with Capital One. 
On XXXX/XXXX/2015, I deposited a handful of cash notes at a Capital One ATM machine ( ATM # XXXX ) at XXXX XXXX, Virginia at XXXX. However, the money was not deposited but was eaten by the ATM Machine. The ATM Machine returned to me a slip listing the ATM #, the time stamp and the date with a comment " We encountered a problem returning your cash. Please contact your financial institution ''. 

I called Capital One debit card number at XXXX around XXXX. I was told by the recording that the staff has gone for the day, I need to report the claim after XXXX the next day. I called the Capital One again on XXXX around XXXX, and reported the claim. The representative asked me to give a ballpark number of how much money I deposited and got eaten, at that time I could not tell, because I did not count the cash when I made the deposit ( I have never had similar experience in the past so I forgot to do so ), but I indeed put in a handful of notes. I gave a number of {$500.00} maybe, so the representative told me that they would deposit this amount of money into my account first within 3 days or so, and the claim would go through investigation for a couple of months. 

Afterwards, I counted all the money in my wallet, and compared all the cash return, all the transaction info I have had. This information led me to believe that I probably had over {$900.00} deposited and eaten. So I called Capital One again mid XXXX to report this amount, and got another {$500.00} temporary deposited into my account. 

Today I received the decision letter listing '' After looking into it, we 've approved {$100.00} of the {$500.00}. We had to deny the rest of your claim because of : We checked our ATM records and they do n't show an error for this amount '' My claim number is XXXX. 

I do n't know where this {$100.00} comes from and what it means. Does it mean Capital One finds that I only deposited {$100.00} into my account on XXXX and eaten by the ATM, or it was only a money as comfort. The whole experience has been tedious and frustrating. Nobody contacted me during the 2 months ' claim investigation, and I was not told how much money was eaten at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
Barclay issued me a credit card that I had no idea existed, I never activated it and of course never used it since I did n't know about it. Got an email stating there was a past due balance, called to figure out what happened and was told a 60-days past due was automatically reported to the credit bureaus. They cancelled the account ( apparently ) and zeroed out the balance, and confirmed it was a bank error. However, they ca n't tell me what they are able to do to correct what is now a negative credit history reporting. They will not get me a letter stating it was ( a ) a bank error ; and ( b ) my credit history with them is in good standing, both things I need to now submit to the reporting agencies. I have spent about 6 hours dealing with this error, because my credit history is excellent and I do n't want this error to ever be reported. They claim that their process is automated and they ca n't do anything about it. I spoke to supervisors who claim that there is no one else I can speak with to get results. 
I just want this corrected immediately, because timing is of the essence. If it is not corrected, then my credit score will go down and it will take months to correct it. 
All of this for a card I knew nothing about, and never received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX  XXXX Balance : {$3100.00}

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 non-monetary relief
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I originally disputed a medical bill from XXXX that clearly did not belong to me. I have never heard of the hospital XXXX XXXX Hospital ( which is what shows as the original debt for {$160.00} ), and its is in a totally different state than I reside in. I have never been to nor have I received services from them I have never even traveled to the city that its located in. The entry was disputed and removed because it did not belong to me and could not be validated, on XX/XX/XXXX after checking my transunion credit report its appears as if it was illegally reinserted. I would like this removed immediately and not reported again to my transunion or and other credit bureau. This absolutely does not belong to me. The impact that this {$160.00} medical bill has had on my credit is detrimental and needs to be removed immediately.

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 2016-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
The fraud department has had our business credit card accounts on hold for several weeks now due to payments they want to verify. Although we disagree with the fraud hold initially, we understand the need for security. What we do not understand is why the fraud hold has not been released almost 30 days after the payments were made. 

The fraud department has indicated that they want to verify the payments in question by calling the banks that the payments came from. Unfortunately, XXXX of the institutions do not disclose any information about customer accounts over the phone. The capital one fraud department needs to find a better way to verify payments, and absolutely should have a means of automatically removing security holds after several weeks. In any case, I have attached statements to this complaint, and highlighted the payments showing that they have cleared. I have also attached photo ids of the account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX about a debt for capital one credit card. I told them this was not my debt and that they needed to send me a verification letter and they have yet to do that.

Company response to consumer: Closed with explanation