BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Debt Collection Practices act the alleged debt was disputed and or requested for validation. Multiple validation requests were submitted to Bank of America. 
Notice request for validation 1 : XX/XX/2019 Notice request for validation 2 : XX/XX/2019 Notice request for validation 1 : XX/XX/2019 None of these requests were answered in accord with the Debt Collection Practices Act. 
809. Validation of debts : ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I authorized a one time charge to my debit card in XX/XX/2016 to pay for personal training services for a friend. I was charged in XX/XX/XXXX and XX/XX/XXXX for these services. I disputed the charges with my bank. I received a copy of a contract that was signed. At no place did it have my signature because I did not sign or agree to recurring charges. My bank ( Bank of America ) told me that they would only refund one charge but would decide in the business 's favor in the other case. They told me to contact the business, which I did. The business told me they would accept any decision my bank made on these charges and they could not do anything on their end. 
Once again I did not sign anything nor authorize any debits for XX/XX/XXXX and XX/XX/XXXX. Attached is the billing dispute form which does not have my signature anywhere. I also did not authorize these debits.

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 2022-04-17
Company: Paypal Holdings, Inc
State: NC
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 had made a PayPal account after I had made a bank account for the first time and then connected my bank account to PayPal. I had tried to make some purchases but I gave me authentication failures. The purchase eventually went through and then I tried to buy some other stuff but the same thing happened. PayPal then notified me that my account was permanently limited, I called customer service and they said that there was nothing they could do. This happened around XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 



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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

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 2015-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: COAST PROFESSIONAL INC
State: VI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.

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 2017-03-20
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has reported XXXX collections on my credit report that do not belong to me. I have contacted them via certified mail so that they will comply with federal laws and disclose information about the alleged accounts but they have ignored my request. 

XXXX never notified me or sent me any type of notice regarding these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know Spring Oaks Capital , LLC NOR I have made business with them. I have no obligation to pay any amount to this collection company since I have never done business with them. Collection company need to validate my information and since they already mention they purchased the debt ( debt not validated ) I won't pay a dime. Collection companies only have access to the statements the original creditors send along after paying pennies over dollar for each debt. You won't get my money and you need to delete this trademark placed on my file. So get that UDF updated or I will pursue SUEing the company. A validation ( certified ) letter was send on XX/XX/XXXX asking for validation, this information was never provided by them. Also, they were asked to cease all collection during all this period of investigation time and they haven't, hence, violated the CFPB and FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been regularly paying my Synchrony Bank bill. The account balance at the last statement was {$840.00}. I went to pay today and I have {$3400.00} in interest charged this month. They told me the 0 % interest came due on XXXX/XXXX/15 and if I do n't pay the {$840.00} off, I will then be required to pay this extraordinary amount of interest. I had no idea this would happen and am at a loss. Is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have several sychrony bank credit cards and I was told today while trying to make a purchase without a call or warning that all of my accounts have been closed. They wo n't give me any information just tell me that I need to go and talk to my bank as to why but then when I call my bank my bank does n't know what I am talking about.

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 2022-04-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Faith does not make things easy but possible. I was so very badly destructed and out of shape by what I believe is above limit discrimination with no solution. But, recently, I started to improve and attempted to get my very badly fractured life, liberty and pursuit of happiness get done together up to my capacity. I visited the FTC website and found important information about the data breach settlement with EQIFAX. I received the data breach victim notice by the time., but there was nothing new or business was as usual. The most recent complaint that I submitted to the CFPB just weeks ago got resolved in less than two weeks [ I barely get the desired response but this one was amazing may be because it is day light stuff without any string to be attached ]. What is my right? I read that they are paying up to {$20000.00} to some individual victims or consumers. I can not understand in depth., but I confirm that I am one of the consumers who received that notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Went into the PNC bank on XXXX in XXXX on XX/XX/2017, put my card into the ATM went through the steps needed to make a withdrawal from my checking account. It let me complete every process to receive my {$600.00} withdrawal, gave me my receipt but did n't give me any money. Right then and there i told the branch manager and tellers what was going on. The first teller told me to give him a minute and he would assist me. A minute i did give him. After talking to him and filling him in on what was going on he called the branch manager who told me to dispute the transaction. That i did also. My whole thing was, another guy came and the same thing happened to him. Without question they immediately reimbursed the man his funds. If the machine was empty why would they still have it up and running and not have a sign on it. Or why would it let me complete all the steps instead of giving me the error message. I call them this morning to see if maybe they had balanced the machine and they said they have n't. I even asked if we could run cameras back to look at footage that shows me not receiving any funds. They even called in the woman who was " over the money in the ATM '' she simply refilled it and walked right past me to assist another person. They were n't any help and were so nonchalant. At one point in time they even acted as though they did n't see me sitting there in there lobby wanting help. Everyone basically keeps telling me to dispute it which could take time because i do n't really think that my financial institute even believes what happened and time is something that i do n't have. I have my receipt and it says i made a withdrawal from the ATM but they still were n't any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Upgrade, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, I received communication from UPGRADE INC. via email. UPGRADE made deceptive material representations to try and induce me to enter into paying an alleged debt in the amount of {$660.00} reference to obtaining a good standing in credit worthiness and reputation. Furthermore, they stated the 7 year charge off would only be irreversible if I made a payment. They violated 15 usc 1692 ( e ) ( 10 ) - for the false representation deceptive means to collect or attempt to collect this fraudulent debt. UPGRADE violated 18 usc 894 with criminal acts of extortion and extorting me of my extension of credit and collecting a total of {$2400.00} from XX/XX/XXXX to XX/XX/XXXX. UPGRADE abusive acts took unreasonable advantage of my reliance upon them to provide a service to me in good faith on my behalf per 12 CFR 5531 ( d ) ( c ). instead I be came a victim with injuries of their fraud and unfairness. They furnished deceptive form and promissory notes and sold them to XXXX XXXX XXXX to attempt to collect on a fraudulent alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent 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 explanation
Consumer complaint received 2017-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: DISCOVER BANK
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this company numerous time Discover Bank this account is a fraud account and the account does not belong to me. I have notify the creditor as well as the credit report company and this account remains on my credit report. Again this Discover account does not belong to me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into an agreement with XXXX XXXX to payoff a past due credit card and get a judgement dismissed. What I signed stated I am not responsible for interest, court cost, or any other addition cost. I was to only be responsible for the principal balance of the credit card that was closed. I paid off my entire balance within 1 year. I called to get a paid in full letter and they stated I needed to pay all interest, court cost, etc in order to consider this loan paid in full. My agreement with their legal department was to pay my principal balance only. I believe I was mislead by their representatives into entering into this agreement to pay my balance in full. Which I did pay in full, but now they want additional fees that were not including in my agreement.

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