BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continue to receive phone calls from Portfolio Recovery several times a week throughout the day ... .upon speaking with them I 've asked them for debt validation and until then please refrain from calling me..portfolio stated verification was sent numerous times..I stated not once have i received anything ... .so therefore I 'm not giving you any info at this time without proper validation ... and politely said goodbye and hungup ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Once again PayPal continues to not credit funds to my accounts in a timely manner. They are creating " float '' for themselves. 
In this instance initiated transfer of funds with PayPal from my XXXX XXXX checking account on XX/XX/2020 to my PayPal account. The amount was debited from my checking account on XX/XX/2020. As of today XX/XX/2020 the funds have still not been credited to my PayPal account. PayPal has had the funds for 4 days without crediting my account. 
This has been done before involving much larger amounts of my money but this time was the " straw ''. PayPal is utilizing this artificial delay to create " float '' which given the scale of their operations must be a substantial theft from the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Coachella Valley Collection Agency reported a negative reporting on my credit. Coachella Valley said they sent me a letter on XX/XX/XXXX and then file the reporting to the bureaus on XX/XX/XXXX. This is less than 30 days. In addition, I never received any notice from the company. 

The amount Coachella Valley Collection states I owes is not my responsibility and I do not owe. There is no authorization and/or contract signed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have gotten the police report started. I have been informed to make a complaint with the IC3 FBI complaints department regarding this account. 

I'm extremely concerned that Chime Bank has refused to share any information with me relating to this matter. I have provided my personal information, that would be required to open any traditional bank or credit accounts -- I have verified, with your support department, that my DOB and SSN matches the information already on file with an open ( and assuming active ) bank account with your bank. 

I had explained that I attempted to open an account sometime in XXXX and I was denied. I was curious as to why I was unable to open an account and followed up a few months later, after attempting again to open an account with Chime. 

After the second attempt, I contacted your support team and have had numerous communications via phone call and email, extremely concerned that my information has been provided to you by another person. 

Officer XXXX, who is overseeing the investigation, asked for other information from me regarding this account. The only information I could offer him was that I was denied an account with Chime Bank after Chime Bank notified me that I had already had an open account. 

Chime has refused to cooperate with me, personally as a consumer, to ensure they are doing what they can to help protect my identity with the information they have shared with the offending party. I do not know what Chime Bank has regarding details about me that a fraudster may have used to open this account. 

See the attached report. I will follow up with the IC3 Complaint information next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An unauthorized hard credit Inquiry was made by XXXX on XX/XX/XXXX and reflected on my Trans Union credit report. I asked XXXX in writing to stop making unauthorized credit inquiries in my name ( e.g. XX/XX/XXXX and XX/XX/XXXX ) but appears they continue to do so. I even filed an Initial Security Alert on XX/XX/XXXX valid for 90 days and was shocked XXXX did an inquiry again. I need XXXX to stop doing this because it effects my credit score.

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 2021-01-04
Company: EQUIFAX, INC.
State: IL
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:
These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
account from XXXX is over 5 years old. This should have been taken off my credit report already and it 's keeping my score down and hindering me from purchasing my first home. I attempted to dispute it with Transunion and the company took more points of my credit score and they reported it again. Please remove from all XXXX credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: OH
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 received a Reliacard Debit card, supposedly from US Bank. To my knowledge I do not have an account with US Bank and I did not request the card that I received. I initially tried calling The Cardholder Services number that came with the card, but I could not get connected to a real person to discuss the issue, and could not get passed the computer interface without entering my account which I do not have, or other personal information, which I did not feel comfortable giving them. 

I then called the customer service number for US Bank that was on the FACTs sheet that came with the card. After waiting for 20 to 25 minutes I was connected with one of US Banks Customer Service Representatives. The customer service rep told me that US Bank just makes the card and puts their name on it, but other then that they have nothing to do with the Reliacard. The offered to connect me with the Reliacard Customer Service and transferred me to another line. The new line rang about 12 times and then the line went dead. Since I didn't want to wait another 20 to 25 minutes to talk to another US Bank representative I decided to try and contact Reliacard through their web site at www.usbankreliacard.com. On the web site they had On-Line Chat so I started a chat and told them the issue, they then forwarded me to another site to file a complaint. This site required me to enter personal information, that again I did not feel comfortable doing and I had to pay a dollar, that was supposedly refundable. I left that site and contacted you to file a complaint. 
My concern is that by sending me a card that I did not request pits me at risk of identity theft and would like them to never send me a card that I do not request. I am also very concerned with US Bank, they seem to allow their name to be put on the card, but take no responsibility for any issues associated with the card.

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 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Allegedly, I enrolled into TransUnion and attempted to put a lock/freeze on my credit report. That feature will not work. I looked for a fraud alert capability and could not find one. I feel I paid for a defective service which makes me wonder what else does not work. I enrolled in XXXX and XXXX. The results are better at XXXX and XXXX is superior to both XXXX and TransUnion. I did the XXXX signups to compare them. I 'll likely drop XXXX and stay with XXXX service. I rate them as XXXX is Superior, XXXX is Average and TransUnion is Below Average. So, if you are a D student and enjoy being stupid, TU is for you. If you do n't care but feel you need something, and have realized services like XXXX are worthless money grubbers ( allegedly, and they were class action sued for being a poor service ), but you are smart enough to know you need something to protect yourself, the XXXX is for you. If you respect yourself and you want the best service for your own benefit, then XXXX is your best choice out of the XXXX services. Remember, it 's only getting worse. Also, beware of people or companies who can file and grant you credit with or without a good credit report. So, the insurance offering is a good thing. Please email your congressman, state and federal, and force them to classify identify theft as a major felony with minimum sentences equal or higher to XXXX, XXXX and people who commit treason. Literally, do n't let people who steal peoples life savings and XXXX up their lives get off easy. Make it a life sentence or if severe enough, 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 2020-03-12
Company: Experian Information Solutions Inc.
State: TX
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  ; Experian and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
The following inquiries were listed on my report that I did not authorize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2021-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
There are XXXX accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$8400.00} XXXX XXXX- Acct # XXXX {$0.00} XXXX- Acct # XXXX {$0.00} Inquirires XXXX - Inquiry date : XXXX XXXX, 2019 XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/2019 2019

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 2022-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went to the bank XXXX XXXX  around XXXX to withdraw XXXX and the bank teller i will provide his name but he stole XXXX dollars of it and only gave me XXXX and he admitted that then he told me to come back wen the manager is their 2 weeks later so that the cameras roll enough to where he can't be caught

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: Agency of Credit Control
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is illegally attempting to collect a debt not owed by me. They added this on to my report an this is affecting my ability to get a mortgage with COVID

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have contacted capital one several times and have gotten absolutely nowhere. Someone applied for an account in my name XXXX XXXX, 2016. On this date, I was contacted by capital one asking did I apply for an account I let them know I did not. They verified the last XXXX of my social as well as my name and date of birth. After I spoke with them I placed a fraud alert on my credit report. On XXXX XXXX, 2016 someone tried to applied for a capital one card in my name again ... this time I was never contacted even with the fraud alert on my account. I was told by XXXX my dispute was declined and I would have to contact the credit companies and get something in writing from them. For the past two days ( XXXX ), I have talked to at least XXXX reps from multiple departments in which some have been sympathetic and understanding while others have insulted my intelligence by asking XXXX questions like " Are you sure you have n't applied for a capital one account? '' As well as stating they will be transferring me to a " correspondent '' and instead staying on the line and just changing their voice. I have lost count of how many times I have provided my personal information and have been told they can not find any applications that were placed. My social is associated with m credit report ... so how is that possible? All I would like is for the hard inquiry to be taken off of my account. It amazes me how someone can so easily steal information and apply for credit cards but to correct the issue, the VICTIM is taken through XXXX and back. I just want a solution and to NEVER be associated with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EVERBANK, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Dream Center Education Holdings
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX, applied & approved for school loan from federal government /received XXXX separate loan amounts to cover entire 2 years of my XXXX XXXX plus one year XXXX ( {$59.00} thous & {$39.00} thous ) XXXX, applied & approved for tuition reimbursement at XXXX XXXX ( XXXX ) to cover 65 % or higher based on maintaining B above average. 
XXXX to XXXX, submitted via fax grades plus copy of school fees to XXXX ) /name of person accepting fax, " XXXX XXXX XXXX XXXX XXXX, XXXX completed a large layoff ( attrittion process & closed ) XXXX XXXX, Graduated and obtained my XXXX XXXX XXXX, I was approved & placed on a 4 year deferral with no payments XXXX, approved for hardship and paid minimal amount XXXX or sooner loan transferred to a collection agency in which they eventually added another {$30.00} to {$40.00} thous. 
XXXX or XXXX, agreed with collection agency to enter a rehab program for 10 months to make monthly payments of $ XXXX-not sure of amount-unable to complete program due to their error. 
XXXX to XXXX, loan increased another $ XXXX {$40.00} thousand/treats of wage garnishments etc. 
XXXX, agreed again with collection agency ( CTI ) to make monthly payments from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Completed program successfully. 
***This is just bare bones of story but just wanted to give you an idea of process & rough timeline. I met HR trainor, XXXX XXXX my first year at XXXX XXXX XXXX ). And of course, XXXX XXXX I never met just sent the fax as proof of attendance, grade point average and cost of courses. 
Keep in mind that XXXX agreed to pay once I completed the courses and graduate and in the XXXX I had to use my federal loan as payment to the school. In other words as long as i submitted in a timely manner my grades, tuition fees & amount loaned to me by federal government, they would reimburse me that amount once I graduated. 
***I also moved so many times ( 13 times ) since moving to XXXX so I know I lost a lot of paperwork in that process, however they should have a record of it too..fortunately I do have a lot of the faxes I submitted to dept of XXXX & XXXX at XXXX

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 2021-01-04
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: Was not notified of investigation status or results

Complaint:
Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, XXXX XXXX XXXX, XXXX, and TransUnion LLC. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).

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 2021-01-04
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Payoff check was sent on XX/XX/2020 and received by Ally Financial at XXXX XXXX XXXX XXXX Ky XXXX on XX/XX/XXXX at XXXX XXXX. 
A Certified Return Receipt mail was used to track the check. Tracking number XXXX. An Official Bank Cashier 's Check made payable to Ally I/A/O {$46000.00} was sent for full payoff and extra per diem. 
Ally is threatening to repossess this vehicle and claims to not have received the above- mentioned Cashier 's Check. The return receipt shows a signature of a XXXX XXXX. Proof of this delivery and image of the signature was provided to Ally on XX/XX/XXXX at XXXX via Ally fax number XXXX. 
There have been three attempts to communicate and ask Ally to locate this check which was duly delivered to them on XX/XX/XXXX. We are asking for government help in stopping a large corporation from hurting the credit and unlawful repossession of this XXXX XXXX XXXX XXXX. 
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 2015-05-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT

Company response to consumer: Closed with explanation