BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern, I got an email from XXXX XXXX XXXX XXXX who mentioned I owe " debt '' with PayPal. The XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I sold points/miles to the agent XXXX and I would like to get dollar from him. However, XXXX didn't have enough dollar. Therefore he found XXXX XXXX ( PayPal user : XXXX XXXX and XXXX XXXX ) to exchange currency through PayPal. In other words, the triangle transaction was that I gave XXXX points and XXXX gave XXXX XXXX, and XXXX gave my USD. On XX/XX/2022, a review occurred to my PayPal account, I made an inquiry of XXXX and found XXXX used credit card to make purchase through PayPal. I felt of concern because I was aware that this is a high risk transactoon and might trigger alerm of PayPal. Later on the same day, the review was lifted and I felt everything might be okay. On XX/XX/XXXX, two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by the PayPal account " XXXX XXXX XXXX and on XX/XX/XXXX another two transactions on XX/XX/XXXX ( $ XXXX {$15.00} ) and XX/XX/XXXX ( $ XXXX {$15.00} ) were disputed by " XXXX XXXX ''. At beginning, it seemed that XXXX tried to help while all the emails I drafted for him and asked his help to send to PayPal, and he always found find excuse to delay. I felt he maliciously eacaped from his liability and at the same time, it was very difficult to reach PayPal when my PayPal account was banned. I firmly believe I don't owe any single penny from PayPal. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: CITIBANK, N.A.
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:
AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS 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 2023-08-23
Company: EQUIFAX, INC.
State: GA
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 reached out to get these UNAUTHORIZED inquiries removed and no one is helping. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at an apartment complex in 2019 in XXXX Washington and moved out at the end of the year. When I left I was given a balance statement showing my balance as paid in full and my refund coming. At no point did I receive any contact from their management office about a balance owing and only heard so when I pulled my credit report and saw an item for {$6000.00} from a debt collector. I reached out to the collector directly and they couldn't understand why an individual would be demanding about having an erroneous item removed from their credit report but, I was in fact and let them know I'd also been a victim of identity theft. They let me know this was not that but that the management office sent them a balance/invoice showing I owed them a " returned sum '' that was sent back or revoked. I contacted the management office to learn more about this and they said I had a 'returned payment '. I asked for detail about this and they shared a balance sheet with me where I highlighted the error in their accounting showing them charging me $ XXXX for a " returned sum '' for a line item that was paid for via Live Check. A Live Check / Money Order can not be " returned '' as the funds in the actual check themselves not like with a Debit card or ACH which I have on the statement as well and you can see the difference. I asked the manager XXXX XXXX XXXX who shared this about this and she could not explain it at all, I asked to be connected with their Accounting Department to verify this multiple times and they ignored my requests and could never provide any documentation or validation about the line item in question, other than the fact that it is an ERROR and they are ruining my credit over it. The line item in question and the cited payment are highlighted and attached. 

ADDITIONALLY, I reached out to XXXX XXXX XXXX XXXX directly about letting them know about this statement and update, the agent I ( attempted ) to speak with seemed to have difficultly spelling words and understanding complete sentences and was unable to even get to the point in the call where they could ascertain why I was calling- just that they knew they did not have the skills or training to help me and would need to have someone else do so. They said everyone capable at that time was unavailable and they would have to call me back- they did not know when this would be when I asked for a timeline and I never heard from anyone on their team.

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 2020-08-13
Company: EQUIFAX, INC.
State: CA
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:
To all those concerned, I'm not happy. For that matter neither is my husband. He just re-filed a complaint yesterday and now I have to file one as well. We don't know what it's going to take to have the credit bureaus delete accounts from our credit reports which are wrong. Recently they responded to both mine and my husband 's complaints with letters saying to be more specific with our disputes. We were very specific when we were mailing out letters to them all these months. How can they get away with this? How can you let them? Do my husband and I have to take matters into our own hands and sue them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was accessing my credit file and noticed the entry from Portfolio Recovery Associates was reflecting on my credit file. I do not know the company and the statutes of limitations have passed on the debt they are trying to collect. I do not owe this company as I have not done any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, My name is XXXX XXXX XXXX XXXX. I reside in XXXX California. Back in XXXX I signed up for Cash App. In XXXX I received a money transfer. A direct deposit for around XXXX dollars. 

I tried to send some of the money else to another person. My transaction was blocked for my protection according to the cash app. Not long after that someone unbeknownst to me was able to log in my account and remove my phone number and email addresses associated with that account. I was notified of this when the information was changed, but i was not at my phone and didn't notice until the next day. I have unable to gain access to my account. 

Since then I have contacted Cash App Support. 

today, XX/XX/XXXX, I received this response by email. 

Hi XXXX, We closed your case because it's been more than a week since we've heard from you. 

Please reach out if you still have questions. Here 's how : 1. Tap the profile icon on your home screen 2. Scroll to the bottom 3. Select  Cash Support Thank you, Cash Support For reference, your case # is : XXXX When i responded to this email that I have no way to cash out because I am still unable to login, i received this response. 

Hi, Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screen Select Support Navigate to your issue Need more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 pulled a copy of my XXXX consumer report and noticed that Capital one is reporting a late payment dating XX/XX/. According to 15 USC 1681 ( 2 ) ( a ) ( i ) transactions are to be excluded from the consumer report but they are being reported as a late payment. This is inhibiting my ability to get lines of credit, inhibiting my ability to open merchant accounts for my online business, its inhibiting the ability to get houses and cars to live. Today, XX/XX/XXXX after several previous attempts to get the payment removed, however capital one is reluctant to remove the late payment despite being put on notice that it is a violation of consumer law. I have XXXX kids and it is making it hard for us to survive day by day. I kindly request that this late late payment gets reversed and the status shows on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Problems with credit reporting due to inaccurate misleading information on 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 2019-03-16
Company: Riverwalk Financial Corporation
State: TX
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:
XXXX  reporting fraudulent information on my credit file ... Items were removed in XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from XXXX on XX/XX/XXXX accounts that have been disputed multiple times ... The XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on XXXX 2 times between XXXX and XXXX. The file isn't reporting per XXXX  so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. XXXX  sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from XXXX stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and XXXX  never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX  # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. XXXX has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely XXXX is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2021-05-02
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been having problems with the USBank.com online banking site for several months now. The problems include unable to schedule automatic payments, unable to make one time payments, unable to manage reward options. I am able to log into online banking and view the balance on my accounts on the dashboard. Sometimes I can make a payment but most times I can not. I get an error message saying the website is unavailable due to too many redirects. When attempting to select reward categories I have not been able to access the site in over 3 months. The inability to make payments online has resulted in 2 late fees.

I have contacted USBank twice before today but have not been able to resolve the issue. This is despite the fact that the representative I spoke with also could not use the site while I was on the phone with her. To date there has been no resolution. I finally canceled my credit card accounts with USBank.

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 2023-10-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've called Ally Auto multiple times to tell them to contact my mother, XXXX XXXX, about the account, and told them I give 100 % consent to her decisions on the account. Their recording states this is a recorded line and they keep telling me that the order of the names don't matter on the account since we are both co owners of the car, however they primarily contact me for everything. She drives the car, she pays on the car and she has 100 % physical possession of the car, but when my XXXX  XXXX  on her and left for XXXX XXXX she obviously fell on hard times. I keep getting text messages and phone calls from multiple phone numbers, some phone numbers show up on XXXX as scams, so I'm upset that Ally is giving out my information to third parties who keep calling me and do not leave voice mails. I give my mother 100 % consent to do what she wants with the car ( XXXX XXXXXXXX ), but they wanted to 3 way call and refuse to work with her. She works from XXXX to XXXX and I work XXXX to XXXX, our lunch hours are different, we can not physically 3 way call. It is entirely unprofessional to ask for 3 way call if they are on a recorded the phone line where I've identified myself and proven who I am when I call while I'm free. She even called them in her free time and asked to have full permission, yet they refused. At this point my mother is aware she is behind on payments and just wants to surrender the vehicle, but Ally keeps making this harder than it should.

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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Here is all the complaints that nobody can fix. Its very apparent there is a problem, however nobody from either company cares to fix this. I have proof on both accounts and yet here we are. No help no resolution just another company taking advantage of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We received a forwarded letter and envelope inside of the wells Fargo envelope. The forwarded letter states we had an account in Oklahoma closed. We live in Alabama and never had any account with this bank. Back in the XXXX time line. The name was correct, the address was not. The back verifes that there was an account in my husbands name. Which has to have been a fraudulent account as he's never had any account with Wells Fargo bank at that time line. I called and talked with a specialist, that could not figure it out. He said to contact this site, so I am.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
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:
new recent late night inquiry alerted on my credit report. 
Experian report showing a XXXX XXXX  XXXX XXXX. 
XXXX and XXXX identity theft filings have already been submitted. 
All need to be removed. provided proof of identity in previous submittal. 
still trying to correct the damage. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/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