BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per XXXX XXXX XXXX, Portfolio Recovery Associates is not licensed as a debt collector in my state of Illinois. They only have an consumer installment loan license. This license authorizes the following activities XXXXXXXX XXXX XXXX  Purchase of retail installment contracts XXXX of motor vehicle retail installment contracts Title-secured lending NOT Debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting to XXXX  and Equifax incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: LDF Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I received a predatory payday loan from a unlicensed lender in the amount of {$500.00}. 
I believe this company to be in violation of Alabama 's payday laws and legislation. 
Please see attachment for terms of the loan :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Conn's, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. My identity was compromised and used to open a credit account at Conn 's Home Plus through Conn 's Credit Corporation ( collectively, " Conn 's '' ). When I received notification that there was a past due account under my name in excess {$9000.00}, I immediately contacted Conn 's to notify them that this was identity theft and I disputed the charges. I also filed a FTC identity theft report. Conn 's initially responded with a letter from XXXX XXXX, Fraud Investigator for Conn 's Credit Corporation, requesting a sworn affidavit along with other supporting documentation, which I provided. Ever since then I have not been able to establish any communication with Ms. XXXX or anyone at Conn 's to confirm that they have taken any action to close the fraudulent account or remove adverse information reported to the credit bureaus. I have tried all means of communication including phone calls, e-mails, and finally a letter to Conn 's dated XX/XX/2020. To date my messages and communications have been ignored and I am unable to resolve this problem, or even establish communication with anyone at Conn 's who can address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
After multiple requests, Paypal has refused to permanently close my account. 
I maintain a {$0.00} balance. I find Paypal 's actions contemptuous and egregious. 

I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 


My complaint is as follows : To : XXXX XXXX XXXX XXXX, Operations CounselPayPal, Inc. 
XXXX XXXX XXXX, Nebraska XXXXPhone : XXXXMr. XXXX, I received your response to my CFPB complaint against Paypal. 
In your answer you mentioned that PayPal considers this matter resolved, however an unresolved matter from my complaint remains unanswered. 

The remaining issue is that Paypal decided to NEVER close my account. 
Despite that I have never had a negative balance, Paypal refuses to permanently close my account. I find this egregious and illegal. 

Again, I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was referred to XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX by my mother. She previously purchased 2 cars from them and was satisfied. She referred me to a sales person XXXX XXXX. I explained my situation and provided her with my personal information XX/XX/2019. I was upside down by XXXX and trusted them to provide me with the best solution. On XX/XX/2019, I go into the dealership, they have a car ready for me, a XXXX XXXX, they sale me on the fact that the car comes with a tax credit. I wasn't going to go with the deal because the payment was more than I anticipated which was {$770.00} per month. XXXX then takes me in the office with her Finance Manager XXXX, XXXX says that he tried to get Honda 's in house finance department to lower my rate to 2 % but couldn't, however, if I make my payments on time for 1 year. I should call Honda and get a modification to lower my interest rate to 2 %. I move forward we the deal with the understanding that I can call and lower my rate in one year. One year later, I reach out to the financial manager XXXX to inquiry about to program to lower my rate to 2 % and I haven't received a response. Then reach out to Honda financial and they inform me that this program doesn't exist. Not only does it not exist, but they can't even refinance me. They are not a bank and don't refinance. Due to the negative equity that I rolled in and the negative equity that come with this particular model. There is no way for me to refinance without paying it all upfront. I was totally mislead and was put in a worse situation than I started in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX HOSPITAL {$650.00} XX/XX/XXXX Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00} Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XX/XX/XXXX {$100.00}

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 2019-03-08
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 information incorrect

Complaint:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

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 2017-01-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. 
I have also requested a copy of their policies, no proper answers being responded. 

Please help me to understand my rights under the Federal Trade Commission. 

What is my next step, I need to clear this matter from my credit report. 

Is it e-mail a legal way of communicating? 
Why I C Systems Collections can not send me all information on their files related to this matter? 

I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. 

This matter is causing that my student loan to be held which is nu-acceptable. 

Sincerely,

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 2015-12-03
Company: CITIBANK, N.A.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX I financed a Flat Screen TV through Best Buy for around {$1800.00}. I purchased it on 36 months same as cash promotion. I made all of my payments on time and when I went to make my online payment this month ( XX/XX/XXXX ) my balance increased {$1800.00}. I called the lender, CitiBank to go over this situation. They informed me because I did not payoff the balance of {$610.00} remaining on the loan as of the close of XXXX they added the {$1800.00} to the loan. This is more than the TV cost me 3 years ago. I advised them offered the option of a monthly e-mail payment reminder and I could be eco friendly by paying on line, which I chose. This does not show you when your promotional offer is expiring unless you click the link to the statement, which I rarely did since i would just verify the balances each month based on what I paid the prior month. show you when the promotional offer is up.This is very misleading because unless you click the link, you would never see when the promotional offer is expiring. I offered to payoff the balance and the interest due on the balance and they advised me they would not do this. I spoke with a person named XXXX. He would not give me his last name nor would he give the name, number or let me speak with his supervisor. This is unacceptable. Had they advised me of this on the monthly payment e-mail reminder I receive, I would have paid this off in full. They told me I am responsible for this. I was mislead about the interest being retroactive on the original loan amount nor was I ever advised on their monthly e-mail pay reminder the promotional offer was expiring. I realize this is on the monthly statement but I decided to go green with the payment reminder to be eco friendly and it cost me because unless you click the statement link, you will never see this. I have no problem paying the interest due to my mistake but not on the original loan amount. I truly believe this is a deceptive practice promoted by CitiBank to take advantage of honest people. I am sure this has happened to many others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Accounts # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I visited XXXX and they explained a treatment plan. After they got the pre-approval from my issuer, I was to pay {$50.00} co-pay for three visit which I paid. On or about six months after my last treatment, I received a call from XXXX requested an {$800.00} payment for services rendered. I sent a letter of dispute but they never responded until XX/XX/XXXX. At that time, I received a letter from CBA demanding {$800.00}. I immediately sent another letter of dispute and they sent me a ledger but no proof of my ownership was ever sent. Today I found out CBA has sent a collection file to the credit bureaus. I am filing this complaint for that reason. I do not owe XXXX any additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I was notified by XXXX of a negative report that was furnished to it by XXXX XXXX XXXX XXXX. This company reported that I owed it {$96.00}. When I called they purported to represent XXXX  Hospital and claimed that the {$96.00} was the result of a medical bill.

To date, I have never received such a bill, nor have I received any verification of this debt. Yet, Med Data Systems has reported same to XXXX and possibly several other credit reporting agencies. I have concerns that this could be the result of fraud or identity theft.

I have also not received any information concerning the types of treatment that was allegedly rendered, or information about the treating physician, etc. I have since sent out a letter to this company requesting this information, but have not yet received a response. I've also asked for documentation verifying the representation of XXXX  Hospital. I even called seeking this information, yet the company was unable to provide such information verifying the relationship -- that it is in fact authorized to collect a debt on behalf of XXXX Hospital.

This feels like a scam and I am very concerned that my privacy has been compromised.

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 2019-12-11
Company: First Credit Services Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern,My initial dispute letter was sent on XX/XX/XXXX, to XXXX XXXX they did not respond within 30 days. The second letter was sent XX/XX/XXXX, to XXXX XXXX no response. The third letter was sent XX/XX/XXXX to first credit services and on XX/XX/XXXX a letter was sent to XXXX XXXX credit reporting agency, again no response from first credit services, and XXXX XXXX verified it as accurate. On XX/XX/XXXX I sent the fourth letter to first credit services and they did not show proof that they had a right to collect anything from me. XXXX XXXX or the collection agency first credit service had proof that this account was mine. Please investigate and delete this from my credit file Immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This response that address the compliant file against the bank about overdraft consumer protection service that the bank offer to customer who sign up for the overdraft. we understand the fact that in your response but we sample not talk about the last XXXX month XXXX and XXXX of XXXX. we are talk about the last XXXX year that TD bank had pay all transaction on this account., those fact are not correct and not true and that what compliant about you know it and the bank. here are the fact TD bank paid the XXXX overdraft account if it was a dollar or a thousand of dollar. TD bank pay it. your response just talk about about XXXX month i, am talk about XXXX year that TD bank paid all item that came in and they was processed went there was not enough fund available. put the statement for the last XXXX year you will find the true in the last XXXX TD bank have rejecter all of my transaction.. the records will show you the true fact. it our believe that TD bank change there position on the overdraft protection for custom that have more transaction than three a day. i clear understand your response, but fact always win a case Litigation. the issue here is why? did TD bank state that some thing was pay went they was not as they said completed, they do not said they are incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America shut down my account. Followed up again regarding funds in the account with no help.

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 2019-12-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation