BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-29
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received numerous calls from ( XXXX ) XXXX attempting to collect a debt I do not owe. The alleged debt is over 16 years old. The most recent caller claims to be XXXX XXXX calling about a " case '' that has been placed with their " legal division '' about a " petition for judgment '' that has been " filed against me '' and they will be processing through XXXX County Courts. XXXX XXXX then goes on to say it would be in my best interest to call him immediately and left a number of XXXX ext XXXX with a " case number '' of XXXX. XXXX XXXX also called my husband and left the same message implying that I had been or am being sued and a judgment has been or will be obtained against me. I have heard from family members and friends that they have received similar phone calls as well. I have explained to other callers from this number that I do not owe the debt that they are trying to collect but they insist on continuing to call me. When I do not answer the phone then they randomly call a member of my family or friend to call and leave the disturbing message. This clearly rises to the level of harassment. Further, I believe it is a clear violation of the Fair Debt Collection Practices to insinuate a legal action has occurred or will occur when it has not and they have no intention ( because they can not ) bring a legal action against me. Likewise, I believe it is a violation to insinuate there is a judgment against me when there is not. Please contact this company so that they will cease contacting me and other consumers in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Army and Air Force Exchange Service
State: LA
Product: Credit card
Issue: Other

Complaint:
I have requested multiple Goodwill Adjustments with AAFES, in regards to my late payments. The late payments on my credit report were during times when I was XXXX on Louisiana State Emergency or conducting training in the fields at XXXX in XXXX, LA, and I was in areas that made it impossible to contact them. I submitted and attached my orders and AAFES/Military Star Card ( a company supposedly for the military ) who refuse to do so which also violates Congress Legislation S.1249. I have made several attempts to have the late payments removed each ending with rejection. 

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 2021-10-08
Company: PNC Bank N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX ( transitioning to pnc ) websites and information I received in the mail states that you will be able to make a payment/will except payments until XXXX XXXX at XXXX 2021. However I tried to make a payment XX/XX/XXXX at XXXX as well as XXXX XX/XX/XXXX. No payment option was available online no payment option was available by phone. Their transition was supposed to take place according to the website at XXXX XX/XX/XXXX XXXX XXXX. 
My bill is due XX/XX/XXXX. 
They gave false information on their website as well as on the pamphlet I received in the mail. 
I do not want to be charged for not making a payment. No one I contacted via call center knew what was going on and they were unable to explain the dates/time being wrong. They would not let me talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting repeated phone calls since the past one month from Transworld Systems Collection Agency, the number is XXXX. 

They have been asking for a debt for their client XXXX XXXX for an amount of {$430.00}, which I have never owed and that I do not even know who this energy company is. 

They have also got access to my credit and that my credit points have been affected because of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like to file a complain against XXXX who provided me a TV/internet service in XX/XX/XXXX. They are collecting me XXXX dollar amount for the payment of the equipment that they use for the service. All this equipment was mailed back to them after the service was terminated. i disputed this already with their company in XX/XX/XXXX when I question them this amount. I even spoke to the supervisor and they said they will correct it on their end. I can not provide the mail receipt of this claim since its been a long time.But the collection company Trident Asset Company is the one collecting this amount from me. I already spoke to one of their staff that I disputed this and they submitted this to XXXX which shows on my credit report.

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.

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 2021-10-08
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent Cavalry Portfolio Services a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred. 
The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: NJ
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:
i disputed this item as fraud multiple times and presented a offical police report and they still refuse to erase it from my credit because it was wrongfully disputed not in a manner that they could erase 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 explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
ALL 3 CREDIT AGENCIES CONTINUE TO VIOLATE " FCRA '' SECTIONS 604,605A, 605B, 607, 611, 623A... WITH REPORTING OUTDATED SINCE XXXX INCORRECT " PACER '' DATA OF PUBLIC RECORDS NOT MY ACCOUNT AND NEVER HAD ANY CH 7 BANKRUPTCY

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 2021-10-08
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Illinois Collection Services has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX  private information including medical record number and date of a XXXX  XXXX. I have never signed a contract with this corporation & have no idea how they gained access to our personal private information. My request has gone ignored for a month now & I am enforcing the law. A notice of default has been sent to the company via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I closed my Chime Bank checking account with approximately {$70.00} remaining. To date, I have received nothing. I am blocked from using the chat feature. 

I understand that this is a common practice with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2021 I wrote my dispute letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate it not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.

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 2021-10-08
Company: Santander Consumer USA Holdings Inc.
State: AL
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on SANTANDER CONSUMER USA. Per XXXX, reporting must be XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason. There is more than {$10000.00} in my account. 
Paypal refused to return my money and grab the money for 6 months without any reasonable ground. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: MAS FINANCIAL SERVICES, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. 

Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've disputed XXXX credit cards that were paid in full and are n't reflected as updated. 

Experian 's " investigation '' did n't end up removing XXXX of the cards, my XXXX card. This information is inaccurate and still remains on my credit report. The account has been paid and should reflect this.

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation