BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Access Receivables of NC Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam : I received a notification in the mail stating that I owe {$710.00} dollars from Access Receivables Management XXXX XXXX XXXX, XXXX, MD XXXX case number is # XXXX, they were retained by XXXX XXXX XXXX XXXXXXXX XXXX I enrolled for a class back in the fall ( XXXX ) for the XXXX XXXX for XXXX to take a class. However, I was unable to take the class due to financial reasons. It is the practice of the school to enroll via student loan or pay by cash, check. or credit card. 

I wasn't able to do so as I stated, so normally the class gets dropped if you do not pay by the deadline. Apparently, the school did not drop the class which must have been a glitch is what I can only believe happened. So, now they are trying to collect money for a course I never took. 

If you go to the grocery store and place items in a cart and get to the register and don't pay for them, you can't go out of the store with the goods. Any servicing or product based entity will not allow you to receive the merchandise/services without paying. So, how this happened that this got pass someone in the schools administration I do not know. I have been attending this college since XXXX and this has been the process, since then. I do not want this to appear on my credit on keep me from finishing my education. I have a few more courses to take get a dual degree in which I am being told no longer exist. I have exhausted my ability to apply through financial aid this time. The only way I can do so is when I obtain my XXXX XXXX XXXX. My education is important. I need your assistance in resolving this matter. 

Very Respectfully XXXX XXXX ( XXXX ID at XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old XXXX  account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX, XXXX, representing Citibank XXXX filed a small claims action against me last year in XXXX XXXX XXXX Florida XXXX Managing partner, XXXX XXXX is the attorney of record for Plaintiff. During the on-going litigation, XXXX has willfully failed to make discovery, has TWICE failed to appear at hearings, has had illegal ex-parte communications with the judge, ( who has now recused herself, but is still getting a JQC Complaint anyway ). In response to my Request for Production of Documents, XXXX submitted a production file with over 135 pages of meaningless, non-responsive documents and further raised meritless, boiler-plate objections to the majority of the Requests, all of which were for discoverable evidence. Litigating in bad faith and engaging in dilatory stalling tactics violates several of the Rules Regulating the Florida Bar governing lawyer conduct, in particular, Bar Rule 4-3.2 requiring lawyers to expedite litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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: Problem with personal statement of dispute

Complaint:
Transunion reporting inaccurate information

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 2023-09-13
Company: BARCLAYS BANK DELAWARE
State: VA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-07-25
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank blocked my account around XXXX of XXXX without contacting me or sending any emails about my account been blocked. 

After serval call with their Fraud Department, they said my account is still under review, and I will need to visit their branch in order to remove the block on my account. As a matter of the fact that I am living in Alabama, there is no branch in my state, and the nearest branch will take me 8 hours plus to get there. I have well informed their agent, but they keep ignoring the fact about this unreasonable request and insist me to visit their branch to verify my identity. 

On the second week, I reached out to their supervisor in the " ATO '' department, that supervisor told me that I could mail my Identity document to their corporate office in order to remove the block on my account. 

On XX/XX/2019, I mailed my document out to Citibank, and the mail was delivered on XX/XX/2019. On the next few days, I tried to reach out to their agent in the " ATO '' department. They declined the fact that I was giving this option to remove the block and insist that me to visit their branch. Beyond that, they refuse to disclose any information about my account. As I asked to be transferred to a supervisor, they declined my request and kept repeating that I need to visit their branch. 

As I keep trying to contact their supervisor, some agent starts to give me faulty information, like their supervisor is not on duty, in a meeting, my account is not handled by their department. Blah blah blah ... 

During those calls, I requested my account to be close out so that I can have my money back. They declined my request and said I need to visit a branch to close my account. 

This request is absurd, they only operate in a few states across the U.S, and they expect their customer to visit their branch to solve any banking issues. 

By now, they are still " reviewing '' my account. They refuse to provide and information regarding this account block and a specific timeframe for this " reviewing '' process. It's almost two months since Citibank has blocked my account. This negligence of Citibank cause me tons of troubles, and I'm paying high-interest rate for my credit card since I can't use access fund to pay off my credit 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 explanation
Consumer complaint received 2023-09-13
Company: I.C. System, Inc.
State: WA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I noticed on my credit report that I have charges from companies that I do not recognize. I failed report with FTC and I am uploading this file with the questionable charges. 

I never received any services for the things that people are charging me for. 

Another problem is that I went in an emergency room for XXXX-related complications and they didn't even in charge my insurance as a 100 % veteran or anything they just sent me a bill and then sent me to collections. 

Want to try to dispute with XXXX I was not allowed to upload my documents proving that I had the right documents.

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 2023-09-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to lodge a formal complaint against Wells Fargo for its failure to make funds available from a state-issued check, leading to severe personal and financial hardships over the past XXXX weeks. 

On XX/XX/2023, I deposited a check issued by a state organization into my account at Wells Fargo. Subsequently, I reached out to the bank on several occasions to inquire about the delay in making these funds available. The following Saturday, I spoke to XXXX separate customer service agents, both of whom claimed that the bank suspected the check was fraudulent. Furthermore, that Monday, I met with a branch manager who stated that the funds from the check were not available. It was bad enough, that I had to wait almost an hour to be seen and was told he had to leave to run an errand. I insisted on being seen, especially after waiting for almost an hour without being asked by him or the security officer why I was sitting there for so long. Instead, they both were visibly upset I asked to check why I could not have access to my funds to be told a lie without any way or help to recover my funds. 

To verify the authenticity and status of the check, I contacted the State comptroller 's office directly. They confirmed unequivocally that the check already cleared within XXXX days and that the funds had been transferred to Wells Fargo 's accounts. 

Because of Wells Fargo withholding of my funds, I have experienced significant financial distress. I am unable to pay critical bills, including rent. My phone service was disconnected, and I was forced to borrow money from my supervisor at my new place of employment a deeply embarrassing situation. Most distressingly, I couldn't send money to support my spouse and child, leaving them without the means to cover essential back-to-school expenses. 

It's deeply concerning and distressing that a reputable banking institution would withhold legitimately sourced funds beyond the legal allowable time, leading to such profound personal and financial ramifications for their customers. At the time of writing this letter, I still do not have my funds. 

I urge your office to investigate this matter thoroughly to ensure that such mishandlings does not happen in the future to myself or other customers. I would also like guidance on how to proceed further and any remedies available to address the financial and emotional hardships I've endured due to Wells Fargo 's actions. 

Thank you for your attention to this critical matter. I look forward to your prompt response. 

Respectfully,

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 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 XXXX  account # XXXX, has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

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 2020-06-19
Company: Ad Astra Recovery Services Inc
State: KS
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:
Ad adsta ... XXXX XXXX XXXX it was paid in full though my bank account still is not off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-02-07
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pdm in XXXX florida continues to contact me after I told them I am filing ch XXXX bk. 
I dont even know who they are. They must have bought my debt from an original creditor. 
They are also calling my mom, my nephew and my brother who were never listed on any of my debt This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
For the past 6 months Capital One has been reporting I owe {$1000.00} on a {$500.00} credit card. My credit report says that Capital One closed the account for fraudulent activity but are ruining my credit. 

I didnt authorize or open a Capital One Account. I disputed with them and the 3 Credit Bureaus. 

Capital One keeps saying the information matches instead of investigating FRAUD. Which is someone stealing your information. 

I want them off my credit report because they are ruining my ability to get loans or credit. 


XXXX XXXX XXXX has been reporting missed payments in which I didnt miss any payments. They are reporting I missed 7 payments during COVID19. Under the Cares Act companies are not supposed to report late payments if you make arrangements with the company ( see attached ). Also I paid off the account and XXXX  reported my balance increased and that they are late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: AZ
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX  XXXX XXXX : {$95.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX  XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FIN XXXX Balance : {$4300.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} Original creditor : XXXX Balance XXXX {$110.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$82.00} Original creditor : XXXX Balance : {$95.00} XXXX XXXX, XXXX Inquired on XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance XXXX {$150.00} XXXX  XXXX  XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$130.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX 'S XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/2022 2022

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 2021-04-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Now i know that PayPal close my account for not reason and them will not help me with Getting it back up and going. i just load my PayPal account with my cash deposit and them just close my account for stole my Money. 
They just made all difficult for me. My account was already verified with all My personal information and i never had or made any mistake. I never had any Dispute or charge in my account. They said i can send money to my friend or family and after i load the account they just blocked my account I think this Company stole money from people, without think how people work for Get the money. They never take my calls or respond my message. I have proof about Everything i made in my account. 
PayPal is not doing her job properly and that the reason i am File a report here. 
PayPal violates its terms and conditions in the service agreement and acts to the detriment of users. MY email is XXXX paypay must be close. PAYPAL IS SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: LEXISNEXIS
State: IL
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:
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation