BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had received statements for medical treatment from XXXX XXXX XXXX. I made payments on the balance as best I could and told the staff by phone and in writing that my husband works out of state and gives me a monthly stipend to pay bills. I have been out of the workforce since XXXX. I am in an XXXX relationship and financial control is one form of it, documented in my medical records. I told the billing staff in writing and by phone that I was doing the best I could. When the Pandemic hit, my husband who works for an airline had the potential to be laid off, and I advised billing staff. I requested a print out of my ledger so that I could see my balance and that the payments of {$20.00} or {$25.00} were applied. XXXX never sent it. They stopped sending statements. They said I could only set up a payment arrangement if I submitted my husband 's gross income/ tax return. I do not have access to his money, he keeps most of it in an account I have no access to, and I told the staff. I do not want to risk physical injury to myself by submitting the tax return to them, and it's misleading when I only have a smaller amount to work with- it would not give an accurate view of my financial problem.I believed that my contact with staff would prevent collection activity. However, they submitted my account to Ameri Collect I learned XX/XX/XXXX. I called Ameri Collect and XXXX XXXX claims they sent me a letter XX/XX/XXXX that was returned to them by post office. I asked what address it was sent to, and she refused to reveal it to me, giving only the house number.She had no details s to why it was returned, and said it was sent by " normal mail ''. I asked if it was resent, and she said once it's returned they do not try to mail it again. Apparently they did not confirm my address with XXXX either. She claims to have 9 accounts of mine that were turned over to them, which makes no sense. Again, my written request of XX/XX/XXXX for a print out of my account reflecting payments I made was denied by XXXX of XXXX. She returned my letter to me with her notes scribbled on it. I still have to confirm with XXXX what I owe, and I need to see how the payments I made from XXXX to present were applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ENCORE CAPITAL GROUP INC.
State: IA
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:
I did not give any authorization for any of theses companys to share my personal information. 

This is a violations of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 explanation
Consumer complaint received 2019-11-25
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX <XXXX> To : XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX - Here 's your receipt. 


Thanks for paying with PayPal To see the payment details, log in to your PayPal account. 

Payment from : XXXX XXXX XXXX XXXX Payment to : XXXX  XXXX  XXXX XXXX Note to payment recipient : You haven't included a note. 

Transaction ID : XXXX Date : XX/XX/2019 Payment Status : COMPLETED Description Unit Price Quantity Amount WP Video Machine - Multi Site License {$29.00} USD 1 {$29.00} USD Tax amount Total {$29.00} USD Payment to recipient {$29.00} USD This transaction will appear on your statement as PAYPAL *XXXX  XXXX Transaction Summary : Total Amount of this transaction : {$29.00} USD ; Payment method : XXXX x- XXXX Payment to recipient {$29.00} USD Amount you'll pay {$29.00} USD Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX Copyright 1999-2019 PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Paypal REFUSED To Give me Refund Companys sends out Zip files they are lock cant open.I even download XXXX  XXXX to open.It gave virus in my computer i had restore my laptop to back in date to get it to uninstall so my coputer would work.Now if the company was smart PDF file works perfect for me but i didnot have choice.I want refund asap! Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$5800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXXXXXX XXXX on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED TRANS UNION AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY 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 explanation
Consumer complaint received 2022-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XX/XX/2022 Payment amount XXXX I called 2 times to find out what happened to the payment no straight answers and both calls they hung on me when I repeated ask why the payment was put on hold this has never happened to us before. 
On XX/XX/2022 the XXXX payment was taken out of the account and no payment was credited after XXXX XXXX XXXX to the account. 
We are concerned about the unlawful practice that capital one has taken out money from the checking account on XXXX but no credit has issued yet there has been no credit to the credit card as of the time of this complaint. 
We received no notification that the payment was put on hold my was for what we never had with making our payments. We had to pay rent thank goodness we had extra other places to pay our rent! 
As of this complaint we have not received a clear answer to our question but a bunch of scripted nonsense that makes absolutely no legal practice and abuse of our account and how and why we are being treated unfairly. 
And for the stress that capital has caused us .we want an additional credit of XXXX for the abuse, stress and unfair treatment that capital has put us through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: In progress
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked Equifax, XXXX, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED. 
I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the accounts XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my XXXX and Transunion credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.

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 2021-09-18
Company: WELLS FARGO & COMPANY
State: IN
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 a business checking and personal checking with the bank. The bank has been and is still today requesting me to pay overdraft charges that have been excessive since account opening. I recently noticed I have already set up push notifications, sms notifications and email notification alerts to notify me that once my account goes under {$0.00} I am to be notified but nothing happens. I have brought this to the banks attention already. My balance is never {$0.00} so I should be receiving alerts when it drops below {$0.00}. I have paid roughly {$300.00} or more in overdraft fees due to me not being notified in a timely manner by the system since account opening. I recently spoken with the bank and they shared with me that they see the alerts set up but there is some kind of system error. They cant see nor control when the emails are sent but the push notifications they can see and should already be happening but they arent. As well the sms notifications are on but they arent sending alerts neither. Due to this reason I am paying fees that is not my fault because had I been notified the funds would be made available immediately thereafter and cover my transactions in time to avoid overdraft fees or any fees occurred due to not being notified. The bank gives until XXXX to make a deposit to avoid any fees once the account goes to a negative balance. Due to this the bank have caused damage to my finances. This bank has gotten over on me long enough and I refuse to keep allowing this to happen.

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 2019-11-22
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a debt on my credit from a company Lewis Mcd/XXXX XXXX XXXX that I have no knowledge of. The dates are out of a range to my knowledge and the amount owed is not an amount I have ever seen. I have never heard of this company before it showed up on my credit report and it is not being removed from my credit history. I have researched this company and they are known for creating fraudulent accounts and I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TN
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:
MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX XXXX EXPERIAN JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX XXXX EXPERIAN CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: IA
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-09-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MN
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:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested a 1099 from XXXX XXXX XXXX XXXX Account XXXX. I haven't received any response after 30 days. I now sent a certified letter requesting 1099 for the Charged off account. 
At the time I was laid off from work. I fell behind on all financial obligations. 

Attached to this complaint is my 2nd attempt after 30 days. That this company has not responded to retrieve the 1099 fir this XXXX year certified charged off account.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/22 I deposited a check for $ XXXX the actual bank in XXXX XXXX Wa XXXX I was given the bank receipt where it states {$5300.00} will be available on XX/XX/22 & {$2500.00} on XX/XX/22. XXXX funds have been released so I called the bank again and now am being told no fees are scheduled to be released in till XX/XX/22. This is an extreme hardship for me as each day moves forward. I have spoken to XXXX who wrote the check to me and they said this is very uncommon as they write checks daily and have never had this issue. There is no hold on their end is what he has explained to us. So why the funds are not being released is concerning and very frustrating. There is no compassion whatsoever. Its endless waiting on hold while they pass me from one department to another. Very unprofessional.

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 2019-11-22
Company: EQUIFAX, INC.
State: NV
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 a few accounts, inquiries and addresses that don't belong to me. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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