BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. 

In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. 

I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. 

I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.

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 2017-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to   XXXX   this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I am writing because the agency XXXX XXXX XXXX is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that XXXX is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted XXXX to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.

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 2017-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

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 2022-04-20
Company: Experian Information Solutions Inc.
State: PA
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:
MY NAME IS XXXX XXXX XXXX AND I AN SUBMITTING THIS COMPLAINT WITHOUT ANY THIRD PARTY SOR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST

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 2021-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

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 2016-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian will not let me dispute a judgment. It stated they already investigated it. I want this judgment deleted from my credit report. There is no such document in XXXX County Clerk 's office.

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 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     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 monetary relief
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
Filing a complaint against Experian :   XXXX  /2017- Sent a letter disputing inaccurate/ unrecognizable information from my credit report Never Received a response  XXXX /2017- Sent another letter to follow up and asking for immediate removal of information as my request was ignored.     Still no response.     To this date,  XXXX   XXXX ,  2017 , I still have not received a response from Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have various hard inquiries on my report that have affected my score, i would like to be removed ... some have not been removed and the months have stated that they should be removed in XX/XX/XXXX and XX/XX/XXXX. please 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 explanation
Consumer complaint received 2017-05-16
Company: LendingPoint Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX   XXXX  and her husband have been dealing with some serious medical issues and money problems.  XXXX   XXXX  took out a loan with the company  Lending Point.    She was payin g Lending Point b ack monthly starting in  XXXX .   Their money crisis increased and  XXXX  and  XXXX   XXXX  sent any creditor a written letter stating they are going through a tough financial situation.    XXXX   XXXX  took the loan out I believe in late  XXXX .    XXXX  and  XXXX   XXXX  have been harassed almost daily and hired myself,  XXXX   XXXX  as their attorney in this matter.   I contacte d one e mployee named  XXXX  who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me.   Her supervisor hung up on me too and accused me fo swearing at  XXXX . I have never swore at an employee.   I have included the many pestering emails,  XXXX   XXXX  as received. She also has been called incessantly from  Lending Point o n  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hard Pull on my credit report - I did n't contact or authorize XXXX to do hard pull credit check and do not know what this is for/from - I am concerned about identity theft, I do not have anything other than the hard pull I did n't initiate to suggest ID theft, so I 'm just worried. 
Details of the hard pull, date, and address of company XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2015-10-20
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
EXPERIAN. I DISPUTED BY HAND A DETAILED SUMMARY OF WRONG NEGATIVES ON MY REPORT EXPERIAN ONLY SENT BACK A REPORT NOT INVESTIGATED GIVING EMBEDDED EXCUSES WHY THEY WONT TAKE OFF THIS WRONG INFORMATION. TELLING ME TO BE SPECIFIC. HOW MUCH MORE CAN YOU EXPLAIN BY MARKING ON THEIR PAPER WITH X 'S THIS IS NOT MINE. ADDRESSES INQUIRES, WRONG NEGATIVE ACCOUNTS THAT I MARKED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Paypal Holdings, Inc
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-16
Company: I.C. System, Inc.
State: NC
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:
Because I changed from XXXX XXXX XXXX to XXXX, XXXX claim I own them a disconnect fee which I never knew anything about until I changed to XXXX. However, XXXX kept billing me after the disconnect and I paid the first bill. I feel that XXXX should have return the money for bill me after they had disconnected me. 

The people that is calling is IC System XXXX. They use to call XXXX a day, however, the called XXXX times today. 

Thanks for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My fiancee and i were the victims of a scam. The gentleman contacted my fiancee from  XXXX . he was going to employ her to watch his daughter. He was sending us a check to get things for his daughter to play with, along with other items. he claimed he was  XXXX  and just moving into our area from somewhere. He sent a check, and we were unable to deposit it for the first day due to banking hours. He demanded we go to the bank deposit the check and give him his money. We then told him we did not want to watch his daughter anymore because of long hours at our current job. I was scared for our lives not knowing what he was capable of. i complied to his demands and deposited the check for  XXXX  into my bank account. Following that he demanded his money so i sent this money via   XXXX   XXXX   from a  XXXX . i sent the   XXXX   XXXX   in two separate transactions each for  XXXX . For a total of  XXXX . I was not aware that this was a scam, and when i caught on it was too late. I called the bank after going to the police, and they said they could not do anything to tell me if the check was fake. The bank asked if i made the transaction via   XXXX   XXXX  . My bank account the next day was in the negatives and he still demanded the other  XXXX  back of his money. I called the bank multiple times and they said there was nothing they could do. He has been calling from numerous numbers saying my name and his supposed name. i need my money back i have bills to pay. That was a lot of money taken out of my account, and the bank is blaming me for it. This is not my fault and i am the victim here. I need my money back.

Company response to consumer: Closed with explanation