BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
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:
XXXX XXXX XXXX XXXX failed to properly apply agreed upon extension resulting in multiple late payments are credit. 

Despite supporting statements from witnesses, countless contacts with various departments and their own reps stating in multiple occasions this was employee error they would be remitting they are now giving me the run around month after month asserting this is accurate when we both know their less than ethical tactics and shady practices are anything but. 

I even paid 2020 XXXX payment through XXXX XXXX quick collect certified funds within 39 days despite having requested it to be part of the multi month extension during family tragedy and they marked me late that month as well. 

In response to my ongoing disputes they I finally state it never happened until I provide call logs, then they state to CRA execs they are removing it then they tell me its valid and start sending me excessive certified letters and communications in violation of cease and desist on file and it was never requested. 

They are sending me a contract citing I requested I did not and your contract as well clearly shows my due date for this long since closed account was the XXXX XX/XX/2020 which was not even due but yet still paid because of your disconnect in service and communication posted within 24 days.

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 2017-10-23
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/17 money transfer into my paypal account. Today is XX/XX/17 and I still have been unable to have paypal transfer the money from my paypal account into my bank account. I 've been on the phone with paypal all morning, I 've driven to my bank twice at the suggestion of paypal representatives. 
In short, PayPal money transfer system and web interface is overly complicated, confusing, deceptive, vague, and dishonest. 

This was a {$4300.00} money transfer that should have taken 30 minutes and is now over 10 days and waiting. 

After calling their consumer services hotline, I received vague and conflicting explanations for the delay. They seemed to give me only enough information to clear the roadblock directly in front of me and willing to let me stumble into the next hurdle they could clearly see. 

10 days and waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: AMERICAN ADVISORS GROUP
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When my husband died, I went to XXXX XXXX, took classes and the whole nine yards. After all said and done I was happy this was in XXXX. House payment was {$500.00} mo. PNC ( National City Bank ), during their transition I got lost in the paper, I could never talk to anyone about my loan or get any information, even my tax preparer tried to get information. Since XXXX until XXXX XXXX, XXXX, I had not heard a word from PNC! Now here I have, I am on XXXX and getting ready to get out of a house that I have tried to keep since XXXX! 
Please help if you can. 
Contact me for more information, I have a folder full of information with Names, Times, Dates, Telephone Numbers of the people I have tried to contact. Information I did received, then the went cold until I received a letter XXXX/XXXX/XXXX. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted the purported original creditor ( XXXX XXXX  ) and the only only record of an account bearing my name, signature, and information is the one currently open and active on my credit report which is good standing and never had a late payment. 

Multiple requests for Midland funding to prove my responsibility of debt by producing signed contract for the account and they refuse to. The account is still on my credit report and they have never responded to my written requests for original documentation. 

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX mo XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This account is showing as open and they have increased the alleged debt rather than removing or producing evidence of my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX, XXXX XXXX sent my title company a payoff letter stating that my loan payoff would be {$240.00}, XXXX ( {$240000.00} principal + {$1300.00} interest + {$46.00} documentation fee ) through XXXX XXXX, XXXX. We actually paid the loan off on XXXX XXXX, XXXX. To date XXXX XXXX has refused to refund the interest overpayment. Per their website, the payoff was applied as follows : Principal {$240000.00} Interest XXXX Escrow XXXX Total {$240000.00} To date through numerous secure messages and phone calls, XXXX XXXX has refunded my escrow balance but has refused to refund my interest overpayment or explain why it has not done so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: NJ
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:
Since the breach my credit file at Equifax has been in complete disarray. I first complained to XXXX in XX/XX/XXXX regarding all of these Bankruptcies appearing on my credit report. They were removed except for the actual Bankruptcy that I filed on XX/XX/XXXX. Since XX/XX/XXXX all of the bankruptcies had reappeared on my credit report. I have attached the credit file and the letter from the company that they stated on the credit report that they received this bankruptcy information from. The letter states that they have deleted those bankruptcies and have communicated to Equifax to remove them but Equifax has not. 
Since my first complaint to XXXX my credit file had been moved to another customer care unit that has also re-inserted all previously removed fraudulent accounts back onto my credit file. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened fraudulently and I sent Equifax along with the other Credit Bureaus the FTC Affidavit and a police report. As stated before they were removed and when I complained to XXXX they were re-inserted and they refuse to remove them and now my credit report is being handled by a special unit in Equifax who blatantly refuses to investigate properly and remove the fraudulent accounts off of my credit report. 
Please remove the accounts and the bankruptcies and resend a new credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: GA
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 over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.

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 2021-02-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JEFFERSON CAPITAL SYSTEMS purchased old stale XXXX account, reset the clock to reflect an illegal last date of activity of the original creditor. This account should have been removed by now : STALE. Jefferson purchased the account and changed the last date of activity of original creditor. They also fail to product a legal chain of custody of account ownership from XXXX custodian of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had no knowledge or never authorized anyone to use my social security number. These accounts need to be removed from my XXXX credit report and places on the person responsible for these two accounts, which is my father XXXX XXXX XXXX. I visit my dad, but I nerve lived there. I live at the address listed in XXXX XXXXThere are two collections on my XXXX  credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XX/XX/1982. He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX  credit report. XXXX, XXXX XXXX / XXXX. 2. RADIUS GLOBAL SOLUTIONS XXXX date opened XXXX XXXX  I need these accounts removed from 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 explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX XXXX - XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$3700.00} XXXX XXXX XX/XX/18 {$10000.00} XXXX XXXX-XX/XX/18 {$350.00} XXXX-XX/XX/18  {$850.00} XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX-XX/XX/18  {$1200.00} XXXX XXXX XXXX-XX/XX/XXXX {$1800.00} I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

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 2019-03-31
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/19 I spoke with XXXX. I requested an amortization schedule because I was unable to verify the principal balance. In addition, I wanted to know how they were applying the payments towards the principal balance. I was informed the information could not be given because they receive my payments on different dates but if the payments were received around the same time every month I could get the schedule. 

On XX/XX/19 I sent an email informing them payments will be made on the XXXX of each month online and I was requesting an amortization schedule so I will be able to see how my six-year payments will be applied. I received a call from XXXX who informed me they did not provide amortization schedules. I was told my loan is a compound loan and they could not provide the information I was requesting because they were not a bank. I asked her to verify the number of payments. She stated they received twenty-five payments totaling {$9700.00}. She stated {$2900.00} was applied towards the principal balance and {$6300.00} applied towards the interest. I asked her to verify the orignial amount and the interest and the length of the loan. The amount I financed was {$16000.00} at 18.74 % for 72 months. I stated I did not understand why my balance wasn't decreasing because it was showing {$14000.00}. Also, I was upset because the previous representative provided false information about the amortization schedule. 

Please verify the business practices are legit. I believe they are doing illegal practices on their loans that is why they can not provide the amortization schedule.

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 2019-01-01
Company: WELLS FARGO & COMPANY
State: MD
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 am furious with Wells Fargo Credit Card Services. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to wells fargo when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. Capital One charged off my account with no warning and no time for me to prevent it. They say XX/XX/2019 but I had no idea until XX/XX/XXXX when a statement showed up. There was nothing on the statement that said the account went to a " Firm '' or which one it  went to or any contact information. I had to go online to their website when I was able and see it was XXXX XXXX XXXX. I made a complaint to them because I had no idea what was going on. They wrote back and said they'd had it since XX/XX/XXXX ( the day I knew ). I told them about the repeated harassing phone calls from Capital One and they sent me back a note saying that the issue was " Closed '' and sent back to Capital One. That was dated XX/XX/XXXX. I thought and was led to believe this was closed. 
2. XX/XX/XXXX I get a letter out of the blue from XXXX and XXXX XXXX. dated XX/XX/XXXX. It was such a shock because I was led to believe it was closed. They told me that if I was to dispute I was supposed to send them a letter within 30 days and then they would send me proof that I owed it. 

3. I sent them a letter on XX/XX/XXXX, disputing the entire amount because of the letter from XXXX XXXX XXXX. I got a response from " XXXX '' at Capital One on the XXXX to the CFPB complaints. Then a letter from XXXX and XXXX telling me the dispute was " Invalid ''. No explanation. I'm just going with what THEY said in their letter. It's the law! They never sent me an explanation or proof. They are supposed to give me an explanation. Just a " Invalid '' and the amount THEY say I owe. And I'm supposed to call their XXXX number for a payment plan.Nothing else. Nothing that was mentioned they would do in the 1st letter. 

4. Neither Capital One, XXXX and XXXX XXXX, or XXXX and XXXX XXXX sent me any proof of anything or any explanations why anything occurred. I never even got the 30-day dispute letter from XXXX XXXX XXXX. 
This does not mean that any of these people have any right to send me 20 pounds of paper in a manila envelope in the mail. This has happened before with Capital One and it was hideous and a complete waste of their money, time and of natural resources. 
If they must send me page after page do it through the complaint electronically. 
5. These people have tortured me with their complete lack of communication and I am petrified what they will try next.

6. They are breaking the law now to get me into deeper trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX  last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on Experian and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, Experian shows XXXX and XXXX shows XXXX. The date of last payment is XXXX on XXXX and 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 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I have filed complaint XXXX on XX/XX/2021 ( XXXX months ago!! ) against Bank of America, but have not received any response. The following account is a fraud account that I have never opened or used : Bank of America account XXXX Please investigate and delete 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 non-monetary relief