BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: NC
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  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Information belongs to someone else

Complaint:
I contacted the collection agency and credit bureaus regarding fraud and identity theft on my accounts. No one will help. I placed credit freeze on all accounts in addition to complaints. 

{XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XXXX XXXX, I received a lawsuit to collect a debt for the amount of XXXX for a membership for a vacation club, that it sold the debt and the person who sold the debt sued me, the membership was canceled but I do not understand why they want to pay for something that has already been canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  charged off this account back in    2010  and re ages this account to show a negative account on my transunion report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with transunion and   XXXX    and neither are reporting properly.  XXXX  continues to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.

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: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I never open this account. This account is fraudulent and I will like this remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Incorrect Personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Santander charged off this account back in 2010 and re ages this account to show a negative account on my   XXXX   report. Every month they re age the account to show a current delinquency on a charged off account. The amount charged off was  XXXX . I have tried to resolve this matter numerous times with   XXXX   and santander and neither are reporting properly. Santander continu es to inaccurately report data on a charged off account by reaging it. This is a violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been accessed numerous excessive overdraft fees. The fees have been charged even for transactions that were declined or not covered/paid. I am also advised per a phone call on XX/XX/08 at XXXX that this bank charges a {$36.00} overdraft fee every XXXX days when the account is overdrawn even if new transactions do not come through. This is in addition to a monthly maintenance fee as well. I have called to request a credit for fees they advised they give a credit for only fees every so often and that has already been given to me. Yes this was during the XXXX timespan. I have asked them to produce documents I signed asking them to allow transactions when the account funds are unavailable and they will not produce them. The hold times to get a rep on the phone for basic customer service exceed XXXX minutes every time you call then they do not help. This problem has come about only since the merge took place and the bank became Truist. I am on XXXX income. I work part-time and lost work time due to COVID I am still struggling and this bank has charged me hundreds upon hundreds of dollars in overdraft and account fees. They even charged a fee for a credit that was submitted to my account for a returned purchase. This bank needs to be investigated. They are absolutely violating laws with their practices. I will also contact attorneys about a class action lawsuit. I am happy tp provide copies of bank statements and other documents you need to process this complaint. This problem is big enough that bills have been presented to protect consumers from these very deceptive practices.

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 2017-11-30
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM XXXX XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS XXXX AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH XXXX XXXX XXXX HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX  BECAUSE OF XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT XXXX  TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paypal ( XXXX, XXXX  ) checking account services use of holds and or authorizations for inordinate periods of time can harm consumers. E.g. the bank, Paypal, in some cases, will place an authorization for more than 21 calendar days on common types of transactions, unnecessarily withholding funds long after the release by the vendor with whom the funds were initially authorized. 
On XX/XX/2019, I utilized a Paypal debit card to authorize the opening of a folio  at a nationally recognized hotel chain. The authorization was a standard amount of {$50.00} USD. After a week and a half the authorization was still pending and the funds continued to be withheld by Paypal. On or about XX/XX/2019, I contacted the vendor, hotel, directly and they informed me that they had released the hold or authorization two business days prior to my contact. I then contacted Paypal, on or about XXXX XXXX, to inquire as to why the funds continued to be withheld. The customer service representative informed me of their policy to hold funds for a minimum of 21 days from the date of transaction, notwithstanding the vendors action to release the funds, the policy of the bank was to withhold the funds for this inordinate period of time, regardless. I was informed that it was possible to have the period of time shortened and Paypal would only do this if a series of onerous and burdensome actions were undertook by both the account holder and the vendor. First, it was necessary for me to reach out to a specialized customer service representative, in an understaffed department at Paypal, another inordinate wait time, with limited opening hours. This representative would email me detailed, lengthy and impractical set of instructions for early release of 'authorized funds, ' which I was responsible to deliver to the business. As the account holder I would have to deliver these instructions, unsolicited to the vendor, personally, with great effort to convince them of my identity and the legitimacy of my request. I would have to convince the vendor to fax personally identifiable, sensitive and private information to Paypal, which they already had secure access to, including names, account numbers, address etc. Needlessly transferring a tremendous amount of risk, possibly compromising my personal information and exposing me the account holder to identity theft. This information would than have to be verified by Paypal, again, causing further delay. Paypal, and other federally insured financial service institutions, administering basic checking accounts should not be allowed to withhold debited funds, inexplicably, long after the vendor has fully released the hold on the funds, they initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Account shows late payment. This account has never been late.

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 2021-06-12
Company: Yamaha Motor Finance Corporation USA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I paid-off my loan ( XXXX ) on my XXXX XXXX XXXX boat ; the balance was XXXX, which was debited from my Credit Union checking account on XX/XX/XXXX. The loan was through Yamaha Motor Finance Corporations, U.S.A ( aka XXXX XXXX  XXXX ). I contacted their customer service and was told I would receive an email releasing the loan by XX/XX/XXXX. Based on their representation of timeliness, I arranged to sell my boat for XXXX}. When I later inquired as to when I could expect the loan-release email, I was essentially told that the customer service rep was wrong, and that I should expect 15 business days. I contacted customer service several more times and was told about the same. Finally escalated my call to a floor supervisor ( XXXX ) who was unhelpful, other that to say their process requires a computer generated letter. XXXX referred me to their title department ( XXXX ) who also was either unable or unwilling to assist, saying he could be fired if he didn't follow their procedure. Note that it was acknowledged by Yamaha that my loan was indeed paid-off and my account closed. The only reason given for not issuing a loan pay-off and releasing my title was a vague reference to problems that had in the past with fraudsters who tried to cancel the pay-off, so the essentially lumped me in with felonious criminals! I understand that this is a well-known problem with Yamaha, so how related to a recent transition of their financing from XXXX XXXX to themselves. Needless to say, their delay has made me unable to close the sale of my boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: U.S. BANCORP
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2021, I saw an ad for a US Bank credit card advertising 0 % interest on balance transfers for 20 months. It said it was only for people with credit of 680 or above. I know mine is well over that and I could really use to transfer a {$9000.00} balance card that I have to a low or no interest card to help get it paid down, so I went through the online process and they came back with {$600.00} as my credit limit, after specifically asking me how much I would plan to transfer if approved. Why would anyone bother taking out a credit card for {$600.00}?? They knew my requested balance transfer amount beforehand and " approved '' me for the {$600.00} within seconds. So I immediately called the company to see what kind of mistake was made because I've never been turned down for a card or a loan, I've always had great credit, and I've never been given some joke of an offer like this one. They had no explanation so I told them DO NOT PROCESS this application and DO NOT OPEN AN ACCOUNT in my name. They did anyway. I got the cards in the mail a few days later. I have closed the account but I want this removed from my credit report because of the misleading ad getting me to apply for something that NO ONE in their right mind would apply for had the terms been clear. It was clearly leading consumers to believe they would be given a substantial ( usable ) credit limit as it was for " platinum '' members only.

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 2017-06-03
Company: Community Health Investment Company, LLC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son and I were both seen in the emergency room at different times last summer and fall. The hospital did not take our copay of {$75.00} at the time of service. We received bills from the hospital and paid them in XXXX and XXXX of 2016. Those debts were paid directly to the hospital.
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We have been contacted by this agency repeatedly, and I have told them that the debts were already paid. On XXXX XXXX, I faxed them copies of the cancelled checks and referenced the account numbers related to the charges. A representative from the agency had informed me that the letters and phone calls would stop once they received that information. We then received an invoice, dated XXXX XXXX, asking for payment of this charge. I informed them prior to sending the XXXX XXXX fax that further communication from them after I sent the fax would result in my filing a complaint, but they sent the invoice anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Got about 6 or 7 charges I didn't atheroize and some are in Minnesota I haven't even been there in years so can't believe all this. It totals {$370.00} N my paycheck is only {$430.00} So most my paycheck I can really use for XXXX right now it's from XXXX to take care my dad n we really need money this is been going on over 3 no the n they don't care and tell me they gon na send papers or do this or that n then never do anything can u plz help me it's almost a 2 week pay for me. It's thru XXXX debt card it's only option we get thru XXXX so XXXX for XXXX  is to get ur money direct deposit on this card then sure enof just my luck somehow someone used n spent most my money. Plz help me I need my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My cell rings, and the caller hangs up before I can answer the call. This has happened a lot of times. Following are hang up calls from the same number. I called the number back, and they hung up on me. 
List of hang up calls to me. 
XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

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 2017-06-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went online to request my free credit report from Equifax. Message reads unable to complete without any reason given and to mail in request. I mailed three different times each time getting a letter from Equifax statibng they need the same information. I want a copy of my free credit report.

Company response to consumer: Closed with explanation