BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-08-24
Company: Resurgent Capital Services L.P.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX  XXXX, XXXX XXXX, LVNV and XXXX  XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to Capital One XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Capital One 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Requested itemized bill to verify the debt in XXXX, XXXX. Received itemized bill in XX/XX/2023. 

Reviewing the list of charges that I was led to believe they should not be able to have, as a XXXX violation, I have paid all these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Debit card was used on XX/XX/2023 around XXXX XXXX ( PT? unsure of time zone ) to make a {$25.00} purchase at XXXX and a {$95.00} purchase at XXXX. I received a push notification of the XXXX purchase and immediately locked my card and requested a new card. 

I disputed the charges as soon as the purchases posted. Capital One investigated and stated that both charges were chip to chip transactions. They used this finding and the fact that I still had the card in my possession as justification to deny my dispute. 

I would like further investigation into this as I did not make these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report XXXXXXXX {$310.00} XXXX   XXXX {$8900.00} XXXX XXXX {$670.00} XXXX  XXXX {$670.00}

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 2023-07-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account and refuses to explain why it has been frozen and is demanding I send them identification and risk identity theft. They refuse to allow me to close my account even though I no longer wish to use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: SC
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 had my employer deposit my paycheck for years XXXX I was a loyal customer up until they took my retirement money in XXXX XXXX of XXXX funds was always low my account was closed with XXXX dollars of retirement was missing not including the XXXX dollars over the years I had and was never paid back they just closed my account! When I called I never got an response and when I did they ask me why I waited so long!

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 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 719XXXX 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 tXXXX 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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was receiving a cash advance from my wife thru XXXX XXXX to my personal checking account # XXXX the amount was {$100.00} on the XX/XX/. I instead of being charge the fee of a XXXX if done instantly i decide to allow for the 3 day wait and it would be deposited into my personal om Wednesday on XX/XX/ at approximately XXXX XXXX XXXX XXXX When i checking for the funds to see if they were in my account they were .They were not instead put in my old Business Acct. i see my old business account on my Capitalone bank app that was closed by Capitalone some time ago because there was a dispute on overdraft charges that was not notify are expanded to me. I requested a statement of the charges that i never received instead a letter just saying i owe them {$400.00} and change. But the funds were not sent to my personal account but to my closed business account # XXXX. From there Capitalone transfer the funds that were intended to the personal checking account. To the closed business account and seized by Capitalone. They are calling it right of offset debit on the old business acct. I feel they had not right to diverted from one acct in good standing to another. That is misappropriation of funds and thief! The try to call them to resolve to correct the matter they investigated it and said they would issue a refund which never happened til this day XXXX I have try to call the charge back dept with no success other then them saying they don't why it hasn't been refunded yet. But they could request for another refund but it would take another 2 business days.This has been going on since the XX/XX/ eleven days not counting weekend.I have evidence showing the funds in the Business acct. My personal account is in good standing. They are giving me the run around of this refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
ON XX/XX/XXXX, of this year I sent TransUnion LLC my second dispute regarding 4 accounts which they can not verify according to the rules of the Fair Credit Reporting Act. I got a response from them on which they prepared on XX/XX/XXXX stating that they are not required to re-investigate the items I am disputing even though they never verified it in two dispute letters I sent them. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
That is basically my issue with them. They are not following the rules set forth by the goverment.

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 2018-11-05
Company: Paypal Holdings, Inc
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
I placed an order on XXXX on XX/XX/2018 and used PayPal as my form of payment. My debit card is linked to my PayPal account. The order did not process but a three pending authorizations of {$310.00} are on hold with my bank. There is no order but PayPal still obtained a hold for 3 transactions of {$310.00} each. I was told there was a technical error between XXXX and PayPal and I must wait 3-5 business days for the authorization to be removed. They should not have not submitted for an authorization when the order did not go through. So now theres no order but over {$900.00} of money is being held for 5 business days. I should not have my money on hold due to there technical issues. My money should be made available to me especially when theres no order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name continues to update to a suffix either XXXX, XXXX, etc. My name is XXXX XXXX XXXX. I do not have a suffix at the end of my name. I keep calling and mailing in disputes concerning this. I've also mailed in copies of my ID and SS Card to verify this information. My name is currently showing XXXX XXXX XXXX XXXX. It should be XXXX XXXX XXXX or XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Bread Financial Holdings, 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 an unauthorized inquiry dated XXXX XXXX on my XXXX consumer report. They accessed my credit again without my permission as I did not apply for anything!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime bank claims department did not investigate a claim I filed accurate. On XX/XX/2020 there was a {$190.00} unauthorized transaction, I filed a claim disputing this on XXXX XXXX. I I recieved email saying it was denied but the issue is they didn't Investigate the right day or the right reason for the investigation. I then sent a rebuttal and letter explaining they where wrong the the date and the reason I was disputing it. They investigated XXXX XXXX and did it as charged twice but it was XX/XX/2020 and it was unauthorized. I then got email just now saying they are sticking with the denial. Funny part it is the new email has the reason they where investigated changed on it. They didn't look into the right date let alone the right reason. I am now stuck with losing out on my weeks unemployment benefits got the week due to my bank being negative {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: AL
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:
Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my XXXX  and Equifax. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr Cooper under XXXX XXXX XXXX, are very unprofessional, inconsistent and not knowledgeable with all the informations. I started inquiring about how to do " XXXX XXXX '' since our mortgage is under FHA. We can apply from it, since the original borrowers are my " direct family member '' ( brother/nephew ). So we started applying this year around XX/XX/22, they said, need " deed of transfer '' which we made it thru notarized and registered already to our XXXX XXXX XXXX " transfer of ownership '' was now under my name " XXXX XXXX ''. They said, it's denied coz the period of time lapsed within XXXX days. So, they open a case again and denied on XX/XX/22 coz they said they need " proof of relationship '' with the original borrower, we submitted and again XXXX days lapsed again. The problem with them, they only update you if you call them and will tell only by the phone not even sending you email of letter, if we need something else to be completed. Every time i call them always " under review '' to the XXXX XXXX the XXXX days lapsed again and again and again. Now, today at around XXXX i called them again and i spoke with XXXX he said, the " XXXX XXXX '' will not gon na be granted to us, because it can be with the " spouse or children '' by the orginal borower. As far their requirements from the documents they sent to us " direct family member '' included with the questionaires for assuming party/selling party, If they have changes they should revise it with the stated dates, but not at all. What i'm understanding " XXXX family is limited to the 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 don't think MR COOPER knows what they're doing or processing " Loan Assumption ''. The mere fact why they never told us in the beginning, they keep us prepared documents almost the beginning of the year. The time/effort/money we spent to make this things legally under our name now. PLEASE HELP US. They're not FAIR. They'll probably has plan coz the " real estate '' is down and they want us probably to start all over again, the offer us HIGHER INTEREST. Since literally we are paying the mortgage and legally and registered under our name " XXXX XXXX  '' We really need your help. The previous complaints we made, all lies, nothing solve.

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 2018-11-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXXXXXX 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 explanation