BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 5 bills listed on my credit report that do not belong to me. They are listed as follows : Paramount Recovery XXXX XXXX XXXX   OPENED XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX  Opened XX/XX/XXXX I never received a hospital bill, suddenly started getting collection calls. When I reached out to Paramount Recovery, they asked if I was Ms. XXXX, I told them that I did not know anyone by that name.I have good credit ; prior to this event. I have 99 % of paying my bills on time. I spoke with Paramount Recovery and stated these bills are not mine. I also sent information to the government for identity theft. 

Paramount Recovery address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Acceptance is the company that I pay for an Auto Loan and the company is reducing my loan {$250.00} when I am paying {$320.00} so that I pay for the car longer also during the pandemic I had some trouble on one month because I did not have work and the company did not give me forgiveness for the month during the pandemic and did take me out of good standing and did report me late up until today 's date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXXDELETED dated on XX/XX/2022 In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXX I, XXXX XXXX XXXX XXXX, am demanding TransUnion LLC to DELETE XXXX XXXX from my Consumer Report immediately as it is inaccurate information. 

For any noncompliance, TransUnion LLC will be fined pursuant to 15 USC 1681n, 15 USC 1681o with Prejudice!

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 2020-09-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my wife from a new number, she answered, let them know we get bonuses at the end of the year and can pay then. He ( XXXX XXXX stated that it's being marked as a refusal to pay and that we could fill out a hardship form to avoid this. She stated she'll call them later in the year when we can pay and hung up. 

Following this conversation, her cell was then called 4 times, my cell 3 times including once where I confirmed it was Genesis and asked they stop calling, text both cell phones, then called my work line - this all occurred starting with the first conversation at XXXX and ending with my " conversation '' with XXXX on my work line at XXXX. I was certainly frustrated with their tactics by this point and told him, roughly, in no uncertain terms, that he could do what he needs to do, but don't call again today, we can pay at the end of the year. 

The calls finally stopped after this last conversation. I was left so stressed by the event that I felt the need to take action, potentially even with a lawyer in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In response to a Citibank promotion to open a checking account, I followed the three steps to obtain a {$300.00} bonus, namely : 1 ) Make a qualifying deposit of $ XXXX  2 ) Maintain that $ XXXX  balance for 60 days 3 ) Completed one qualifying direct deposit for 2 consecutive months.

I opened my account in late XX/XX/2017, and set up my paychecks to send {$250.00} twice a month to the account. I have maintained that practice to this day.

After six months of leading me along, with multiple Citibank representatives telling me that I had qualified for the bonus and that it was just around the corner, they are now saying that since it took more than 30 days for my direct deposit to start working, I failed on this technicality to obtain the bonus that I had earned.

The original advertisement did not contain any such language, and subsequent materials Citi has shared does suggest that they have a time limit for the initial direct deposit. However, multiple Citi representatives failed to relay this information over the first six months of this account, making my rely detrimentally on their promises ( which they continue to make ). I would like receive the bonus I earned in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Citi Priority Account in late XX/XX/2021. After a few days, Citi bank locked my account due to fraud protection and took more than a month to unlock my account. During the time under investigation by fraud protection team I did not deposit any fund to the account. After the account is unlocked, I deposited new fund over {$50000.00} in total to Citi Priority Account. Finally Citi declined me the welcome bonus offer as they said I didn't put money in in the first 20 days.

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 2021-05-15
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I deposited {$500.00} into my PayPal account, and a couple days later, PayPal blocked all transactions on my account, and told me they were closing my account because they suspect fraud. I asked a PayPal represent active if I could be given an opportunity to prove no fraud had been used with my account and they said no, the account is scheduled to be closed and a refund of available funds will be mailed to me in 180 days. 

PayPal refused to allow me to access my {$500.00} for 180 days and is closing my account without providing me details of why that decision was made, and refused to give me an opportunity to keep my account open. 

I was also charged {$10.00} which was an unauthorized transaction which I disputed and my dispute was not appropriate handled, leaving me with a balance of {$480.00}. 

PayPal has engaged in harmful, reckless, unfair, and discriminative behavior when handling my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sent a check for total amount due on X/X/2017, Capitol One took XXXX from my checking account with XXXX XXXX XXXX XXXX.on X/X/2017 ( PENDING ) then banking statement showed XXXX out of my account on X/X/17 That was the full amount of the purchase using y XXXX credit card.I then received a past due notice with charges of XXXX fee charge and a total due of XXXX.on X/XX/17 I called Capitol One, spoke with XXXX..Explained my payment was taken out of my account on XX/XX/XXXX..this was not past due!!! He said the was an error with my account..he further explained that Capitol One uses a formula for billing, my check was received on X/X/2017, but billed for X/X/17..that would mean a later payment..I now have another bill from XXXX for XXXX..past due charges that are growing ... my purchase was XXXX paid in full on X/X/2017..now I 'm being charge fees totaling XXXX extra?? XXXX also said there was a fee of an extra XXXX XXXX dollars added to the past due amount, but would not say what this fee was for ... when I asked for an explanation of the totals that do not add up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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: Information belongs to someone else

Complaint:
After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the 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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After i disputed information that was on my credit report, The credit bureaus h ave verified information on my credit report that by law only i can verify. I do not not verify any accounts that i have disputed with the credit bureaus. They are in violation of the FCRA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: ALLY FINANCIAL INC.
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 2018-06-01
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
PSLF employment certification being denied. Form gives option to submit XXXX as proof of employment, servicer is demanding supervisory signature. There is not a central HR office with the XXXX. For employment verification we use my workplace. In addition to XXXX, I submitted the employment verification letter and 10 years of XXXX employment records forms. They said it's not proof of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Constantly chase bank witholds my information to  XXXX , a payday app.. they donot give my oayday infirmation as it has to be done they give it too late resulting in me not being able to borrow from my check, ive called chase in numerous occations asking how this can be fixed and i never get a deffinitive  answer. Please push chase bank into updating my account info with  XXXX  so i can live at peace.. thank you !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no medical debt. I have insurance from the state. They should have billed them. I was unaware that the debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: Pinnacle Credit Services, LLC
State: FL
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 have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account  XXXX   XXXX   XXXX . They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  XXXX   XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in  XXXX  an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Lendmark Financial Services
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have a secured loan # XXXX with Lendmark that was started on XX/XX/2021. They have the title of my car as collateral. On XX/XX/XXXX i made my monthly payment of {$270.00} with my XXXX XXXX XXXX debit card. It cleared on XX/XX/XXXX. On XX/XX/XXXX Lendmark called me and said the payment was returned and past due. I checked with my bank and it was not returned or refunded. I provided XXXX XXXX and XXXX XXXX at Lendmark my bank statements and transaction details showing them the payment cleared and was not returned. Through the month of XXXX they continued requesting my bank statements on a weekly basis and i provided them. The payment was never returned or refunded and they have refused to update my account balance. The loan is now in default and they have informed me the car will be repossessed if i dont make that payment again. I called Lendmark and did a conference call with XXXX XXXX XXXX so they could directly ask them about my account. We did two conference calls in the past two weeks. Both times the bank directly told them my account was never refunded or returned any amount of money from Lendmark. 
Lendmark has now refused to answer my telephone calls over the past week. They are still showing my account in a default status on their website. I am worried they are going to repossess my car. It is very unfair. 
The payment cleared on XXXX which was 58 days ago. I am a XXXX patient and XXXX. Please help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. Alt hough I have been paying my loan since  XXXX / XXXX /   2002  after a consolidation of my federal stafford loans, my original loan balance has only decreased slightly. My original amount was {$27000.00} and my current payoff is still {$24000.00}. If I continue making payments as scheduled, I will pay another 10 years and essentially pay double what I originally borrowed. I had  XXXX  windows, which one was a personal bankruptcy in which I did not make payments, but for the majority of time I have made payments.    2. I  have applied and been denied numerous times loan forgiveness for programs that I should have qualified for (  XXXX   Loan Forgiveness and Public Service Forgiveness ). Both have been denied due to loan dates and my consolidation. I have applied for forgiveness for making payments for 10 years, but was told I had to switch programs ( making b asically the same payment amount ) and start over my 10 year count.    3. I  have called  XXXX   XXXX  a nd Navient over the years with no satisfaction. I have consulted my attorney for my bankruptcy and I have written the President and been referred t  o the US Department of Education. The US Dept of Ed referred me to the same forgiveness programs that I was originally denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - Thanks

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