BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports. 
Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2024-01-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX the XXXX XXXX  someone took money out of my savings account. Using my card/pin, some where along my card have had gotten cloned or hacked or something. Late night I checked my account notice my balance was low I called Citibank to start a dispute 10 days later they denied it. I disputed their decision 2-3 times and they still refuse to give me money back. Even though the funds are protected fdic and fraud. Today XX/XX/XXXX I spoke with another person XXXX from Citi and this guy was rude telling me Citi would never give me my money. Im disappointed with this bank Ive been banking with them for years and this is the treatment I get. They made me feel like a peasant.

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 2021-03-10
Company: Priority Recovery Law PLC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Signed up for classes on XX/XX/XXXX at XXXX XXXX College Grandmother suddenly passed away on XX/XX/XXXX and I was struggling with the loss and classes XXXX XXXX XXXX College website to explore options Website indicated I could withdraw classes if an immediately family member passed Withdrew classes XX/XX/XXXX indicating the reason as described on their website Received invoice on XX/XX/XXXX for {$1700.00} indicating I should call to set up a payment plan I reached out to XXXX XXXX, VP of Student Services indicating I follow the process on their website and expected them to remove the debt XX/XX/XXXX Received email confirmation that XXXX would review the case and get back to me when classes resumed Received email back stating I was denied the removal of debt XX/XX/XXXX My Aunt and I tried to resolve the debt collection and work with XXXX XXXX College and we were not successful, we were not satisfied with the rationale as to why the debt would not be removed XX/XX/XXXX My mother and I called again to let them know our position was to have this debt removed in the summer of XXXX after multiple threating letters and I felt harassed To ensure my credit was not impacted, I filed a dispute with all 3 credit bureaus XX/XX/XXXX The dispute was sent to XXXX XXXX College and / or XXXX collection services their position was I owed the debt and would not be removed Debt was turned over to a XXXX Collection services, a XXXX XXXX agency, my aunt and I again reached out and tried to resolve the issue, no resolution The credit bureau did mark the debt as disputing Received another threatening / harassing letter from Priority Recovery Law PLC, XXXX XXXX XXXX indicating I needed to respond within 30 days to avoid negative action XX/XX/XXXX My aunt and I called the Priority Recovery Law and explain all of the information above to XXXX  at the law firm. She indicated that she would discuss with the attorney - we did let her know we are filing a formal complaint with CFPB and XXXX. XX/XX/XXXX The new amount owed is {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 would like the following inquiries removed from my credit report because I did not authorize the following companies to pull my credit report. You are fine. Many of these are duplicates,. I also have a letter from my mortgage company saying that there was an external data breach. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I got an auto loan for a XXXX XXXX XXXX from Capital One Auto in XX/XX/XXXX. O contacted Capital One in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to Capital One on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for Capital One a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX. I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then Capital One has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, at roughly XXXX XXXX, I attempted to use my PayPal debit card at an ATM and was denied due to " unauthorized access ''. When I checked my PayPal checking account, I found that it had been " permanently limited '', allegedly due to some breach of the Acceptable Use Policy, the likes of which I am completely unaware of. Attempting to contact PayPal 's resolution center and speaking with their agents yielded no results -- they could and would not inform me as to the specifics behind PayPal 's XXXX team 's decision to place my account in permanent limbo. That account is literally my lifeblood, financially. It is where my payrolls are direct deposited to and I have bills that automatically draft from the account. I can not even access the funds that are in the account, money that I worked for, mind you, to transfer it to another account ; I have to wait for 180 days. I did not even get a heads-up that this was even happening. I literally woke up today thinking all was well and had I not attempted to make the withdrawal, I would likely not even know about my PayPal account 's status until I got a letter or a call asking why a payment hadn't gone through or my Internet or mobile phone service got shut off after I'm thinking it's being paid. PayPal did not follow best practices with regard to communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Upstart Holdings, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In the month of XX/XX/2022, I was befriended by an attractive woman name, XXXX XXXX XXXX, on XXXX. She has sent personal messages and I had reason to believe she was really the person in her pictures. We have messaged daily, and she had always talked about investing in XXXX  and how much she made doing that. She had me convinced that I could do the same. She talked about platforms like XXXX and XXXX and has sent me links to download onto my phone. I foolishly fell victim to her scam. I downloaded the apps and began investing a few XXXX dollars from my bank account to XXXX, and eventually to XXXX. For some reason, she had me send her screenshots of funds and my XXXX account information. I was told I could apply for a loan at Upstart.com to increase my funds faster. I applied and received a {$5500.00} dollar loan which I then put all into my XXXX account, and eventually transferred into my XXXX XXXX The virtual currency I was investing in was XXXX. I saw my XXXX rate increase at a rapid pace. I was convinced this was legit, but when I tried to transfer funds back to my XXXX account from XXXX, I was told I needed to pay an absurd amount, {$20000.00}, just to transfer it back. I ended up paying a few months of the Upstart loan because I felt I was stuck with it. I haven't financially been able to pay this loan in recent months, so it has gotten sent to collections. This has severely damaged my credit and hampered any future loans. I called Upstart to try to resolve this account but unfortunately, they don't have any resolutions for scams or loans applied without identity theft. I reported this person and scam to FBI, FTC, and Upstart. My next steps will include contacting Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I tried to increase my credit limit and was unable to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
CoinbasePro account has been disabled since XX/XX/XXXX and I am unable to sell or transfer my funds. For some reason, my deposit of XXXX  did not go through with my bank and coinbase flagged my account. They froze everything and gave me a negative balance of {$1900.00}. After 5 days they automatically recover the {$1900.00}, but the rest of my crypto is still frozen and my account is still disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXXXXXX, 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 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 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 2021-07-07
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Eppicard of PA has numerous consumer complaints and ABSOLUTELY NOTHING IS BEING DONE!! I HAVE charges months ago I didn't make or know about and several other people are saying the same thing! 
I even escalated it to a supervisor and promised I would get a call in 48hrs and of course I didn't which was 3wks ago.

I called back 2wks ago and all they did was apologize but still didn't help.

I need to take out my money now because for so many people with the same issue, something is very wrong and I think its embezzlement but something needs to be done now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: I.C. System, Inc.
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:
I didnt receive any bill related to the 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 explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX All have 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 states a consumer reporting agency can not furnish an account without my written instructions. 

These items were indicated in fraud and should not remain on my file

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 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/22 {$2300.00} I submitted payment for my rent using my debit card on accident in my resident portal. My rental company told me there's nothing they can do on their end and that I need to dispute it with my bank, get it refunded, and then submit payment with the correct card. 

I followed those instructions and on XX/XX/22 I received notice my claim was denied with no explanation from my bank. 

I called the bank and the " Customer support '' person just kept telling me there's nothing they can do to help me even though my bank is in the negative and I've been back and forth repeatedly with my rental agency telling me this is what I need to do. He said that it's already been closed by some power-that-be at the bank. 

Inexcusable lack of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was sold and it havent updated on my credit. I dispute it off but nothing was done beside it said my info was verified. The account is closed and they are reporting that I still have this car.

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 2022-11-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was banking with usaa when my checking account was hacked. The hackers made bad check deposits and requested official checks with guaranteed funds from what I can gather. They also sent my wife a XXXX  for {$1000.00}. 

I told usaa about this issues within 1 hour of the attack on my account. They launched investigation and within days decided to end our banking account with them. 

They've continually hung up on me when I try to get answers on why I can't change my payment amount on my usaa life insurance. 

All in all I've lost over {$2500.00} because of this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
This is my NUMEROUS plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or cash. Please take away THESE ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; 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