BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After reviewing my credit report, I disputed the information provided by XXXX XXXX XXXX on my report with Transunion on XX/XX/21. 

On XX/XX/21 Transunion investigation results : Information provided by XXXX XXXX XXXX were " VERIFIED and ACCURATE '' On XX/XX/21 File complaint with CFPB ( Complaint ID XXXX ). Complaint were sent to XXXX and XXXX responded back all in the same day. 

Results of complaint with CFPB : Incorrect and inaccurate report on my credit report by XXXX  were removed on XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions bank withheld a transaction from my account for over 10 days then decided to take the money out when the funds were no longer available. It caused small transactions from XXXX dollars to XXXX dollars to overdraft my account. Causing XXXX dollars in overdraft fees.

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 2017-03-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car from Kia in XXXX XXXX. I made the final lease payment, and payoff payment in XXXX XXXX per the contract. I sent a check and an Odometer Statement that they asked me to download from their website. They cashed the check in a few days, but the title never came. I called and first they claimed they never received the check. I offered to send proof they cashed it. They changed their story to claiming they did n't receive the Odometer Statement even though it was in the same envelope. I faxed a new one per their request. A couple of weeks later they changed their story to me owing them {$13.00}. I offered to pay that amount. The rep put me on hold, then came back and said no money was due and the problem was that they still did n't have the Odometer Statement. I faxed the Odometer Statement two more times per their request. I called back after a couple of days and the rep told me that there was a balance due. I asked how much and she put me on hold. She came back and said there was no money due, but she did n't know why the title was never sent to me. After being transferred a few times I finally got disconnected. Every time I call they have a different reason as to something I did n't send them. I filed a BBB complaint and I got a call from a Kia rep who said her department handles consumer complaints. I explained again what all happened. She said the only thing she can do is give me the phone number to the Kia department that handles titles. But she said she could not do anything about getting the title sent to me. The only thing she can do is give me a phone number ( same I already have been calling ) in case I was calling the wrong department. Still no title

Company response to consumer: Closed
Consumer complaint received 2021-07-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal announced today that they are partnering up with the infamous known " XXXX '' organization that has been known to be XXXX XXXX in their ways of treating people who are known to stand against the criticism of XXXX - in a move that would ban people the use of the paypal system based on their political view.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: PA
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 completed a mortgage refinance with XXXX XXXX  XXXX XX/XX/2021. We had originally closed on the refinance on XX/XX/2021, but immediately after the closing an error was found in the closing documents. XXXX XXXX  decided to redo the closing process and a corrected closing happened on XX/XX/2021. After closing, I received notice that my mortgage was sold to Chase and a mortgage appeared in my personal Chase account online. However, the information about the mortgage was incorrect and based on the errant closing. I contacted XXXX XXXX  within a few days and asked about this account. They stated that was not the correct mortgage and that it should be cleared up in a few days. I was told not to worry about it and that I should just pay the correct mortgage through the XXXX XXXX. Unfortunately, after that I had a medical issue that required major XXXX and I was unable to give my attention to the matter for several months while I recovered. Since recovery, I have contacted both Chase and XXXX XXXX  to resolve the issue. Both companies state that I am not responsible for the account and that it was due to an error, although it took several attempts for Chase to admit this. They both claim that they are working to resolve the issue. I have repeatedly disputed the account with all three credit bureaus, yet each dispute is " resolved '' as confirming the account as accurate. I have asked for documentation ( a letter ) from both Chase and XXXX XXXX  that states that I am not responsible for the account and that it was opened in error, but have yet to receive any such documentation. This account continues to be a drag on my credit score/report and at this point is on the verge of foreclosure. We are in the process of trying to sell our current home and buy a new one, but my current credit score prevents me from getting any kind of pre-approval or to move forward with any offers on houses. I am unable to refinance other debts or take any steps to improve our credit situation until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a flight cancelled XX/XX/XXXX due to Covid. The airline refunded the money to Citi on an unknown date. On XX/XX/XXXX Citi emailed me saying that I would receive a refund within 7-10 business days. The amount is {$610.00} ( XXXX Thank You Points + {$41.00} USD ). 

As of XX/XX/XXXX I have not received the refund. Each call to CitiBank / XXXX  / XXXX XXXX XXXX / Accounting dept yields a new answer. Here are a few : -check will be mailed early XX/XX/XXXX -check will be mailed late XX/XX/XXXX -refund was issued to a closed credit card account on XX/XX/XXXX -I should have spent the points in XXXX before closing the card (??? ) -refund in 1-3 billing cycles -refund in 7-10 business days Trip ID : XXXX Thank You Member Number : XXXX Flight info : XXXX XXXX  XXXX XXXX, 2 one way tickets XXXX to XXXX on XX/XX/XXXX My address is current on my Citi and XXXX profile.

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 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit file and noticed this debt. I called and settled this with them as soon as I got the chance. I was unaware about a charged off amount so I apologize. I ask that they please remove the account from my file as this has been satisfied. If this account can not be removed I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt. Please remove.

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 2021-07-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted an investigation with credit bureau and Santander both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please review the following accounts that appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau as a debt collector acquired my personal information on a medical debt that was sufficiently paid by my XXXX health insurance plan several years ago. The service date shows XXXX XXXX, XXXX, and suddenly I 'm sent a collection notice nearly five ( 5 ) years later. I demand an attachment on ownership or transfer on rights to attempt to collect a debt. Secondly, I demand a copy of the original thirty day ( 30 ) notice from the original creditor, and last I demand a copy of a 180-day notice that there will be no attempt to damage my personal credit report as mandated by the FTC-CFPB with all pertinent credit bureaus in fiscal year XXXX. A copy of said mandate is attached. This collection is highly illegal. Central Credit Services is neither licensed or bonded to attempt collections in the state of New Jersey. They acquired my information on a five-year-old debt that has already been satisfied through insurance. This company must close this file, cease and desist any further collection attempts from me, and purge my name from their computer base.

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 2021-07-26
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX  to remove the collection as the balance wasnt paid by fault of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: MoneyLion Inc.
State: IL
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 have recently had my identity stolen and used to fraudulently apply for unemployment benefits. I reported this to the Illinois Department of Employment Security, and they helped me with that issue. A few days later, I received a credit card in the mail from a company called MoneyLion. I have tried to call to close the account and get more information about how it was opened in my name, but I am routed through an on-hold system and unable to reach anyone there. I want to close the account and make sure that no loans were taken out in my name, and that no fees have been assessed to the account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CT
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 XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed bankruptcy and was discharge XX/XX/XXXX, but my home and auto loan was not part of the bankruptcy and I sold my vehicle to XXXX and it was paid in full but the finance company reports to my credit beauru that it was under backruptcy which is incorrect! I have contacted the company many times and still no support or customer service. The finance company is XXXX and the loan number is XXXX VIN : XXXX for XXXX XXXX XXXX. This vehicle was paid in full on XX/XX/XXXX AND WAS NOT UNDER BANKRUTPCY.

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 2021-07-26
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 information incorrect

Complaint:
I have item on my credit report that I would like be verified, XXXX XXXX XXXX  Opened on XX/XX/XXXX {$790.00}, XXXX XXXX Opened on XX/XX/XXXX {$740.00}, XXXX XXXX Opened XX/XX/XXXX {$17000.00}, XXXX Opened XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX  XX/XX/XXXX {$230.00}, XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2021-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to resolve an identity theft account from my credit with little to no assistance.

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 2016-06-28
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX, XXXX, FL BIG PICTURE LOANS Took out this loan for XXXX dollars expecting to pay off XXXX dollars of finance charge for the first month payment which I paid and the rest in installments with no more finance charges or penalties. Every month they are still adding outrageous finance charges and applying principles. This will eventually make a XXXX dollar loan turn into a XXXX dollar loan over time. They are a very deceiving company in all of their practices. Communication is poor and its like the representative are reading script. the company is Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Problems with Equifax still reporting a 7 years old ch XXXX Bankruptcy : XXXX and XXXX have deleted the item but Equifax continues toconfirm and renew reporting on this stale credit report Item. ( Twice ) It was only ever filed once. 
Federal law says it can be removed but Equifax continues to maintain reporting. 
I have disputed repeatedly but item only shows on Equifax and they will not cooperate. As of the latest dispute this is their response : We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : We have verified that this publicrecord item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX responded with the following - outlining regulations regarding fair credit reporting regarding 7+ year old Bankruptcys ( ch XXXX ) I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. 
Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated forten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcyabout dismissals or filings. The law clearly states from " date of adjudication '' or date of " order ofrelief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filedmay never have actually been adjudicated. Therefore, you have no right to maintain information whichthe government has deemed nonexistent. 
You are reporting this Item twice when it only existed once. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my creditreport and send me an updated copy when this action is completed. 
Consumers have the right to pursue litigation against reporting agencies and collect damages forviolating the FCRA. 
I would like this removed- deleted from my Equifax report immediately. 
Thanks XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: DISCOVER BANK
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am being subjected to an exorbitant APR of over 24 %! I make my payments on time every month even on auto pay! The national average is an APR of roughly 16 % but yet I am being assessed a higher APR because I am considered low income and a minority! I sent a letter pleading with this company to please lower my APR and they never even responded! Apparently I am not even worthy of a response! Now because of the Corona virus, my income has dropped substantially and I am getting nowhere paying this much interest when a {$140.00} of my {$180.00} payment goes to interest!

Company response to consumer: Closed with explanation