BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company , LLC sent a dunning notice dated XX/XX/2021 addressed to me. The notice stated that I owe them an alleged debt of {$270.00} for Account # XXXX. Enhanced Recovery Company , LLC sent the notice to an address where I do not reside. This account is identity theft, I filed a FTC report with the consumer reporting agencies when XXXX XXXX XXXX sold the alleged debt to XXXX, XXXX debt collection agency, their account number for this alleged debt was Account number # XXXX for {$270.00} ( notice both account numbers are different for each debt collection agency ). XXXX terminated collection efforts due to identity theft. I find it strange that Enhanced Recovery Company LLC is collecting XXXX cent more than XXXX, please be know it is against federal law for a debt collection agency to add fees on to a debt balance. Also in order for a debt to be a in fact a debt there must be a transaction involved, I have no relationship with Enhanced Recovery Company LLC so there is no voluntary transaction, I am also not contractually included in the business transaction between Enhanced Recovery Company , LLC and XXXX XXXX XXXX. And from reading my consumer report XXXX XXXX XXXX has charged off this alleged debt which means the alleged debt is not collectable, therefore there is no longer a transaction. If Enhanced Recovery Company , LLC decides to pursue to place this alleged debt that resulted from identity theft on my consumer report, let it be known that I sent Enhanced Recovery Company , LLC a Notice of Dispute ; Demand for Validation and Proof of Claim letter detailing the documentary evidence I will need to validate this alleged debt pursuant to federal law, if I don't receive such documentary evidence in XXXX days your claims of me owing you {$270.00} will be invalid and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm going to keep it very simple and say that due to Capital One closing my account without my written expressed consent, my rights as the original creditor have been utterly violated. I received several emails that attempted to coerce me into paying on a debt that is not mine. As a result of this unwanted closure, I have had severe difficulty maintaining my basic everyday needs. This is ridiculous and not okay to have me, the natural person ( original creditor ), suffer the way I have been experiencing. This company has committed aggravated identity theft by assuming they can act on my behalf without my written expressed consent. Emails are the only correspondence that I have record of Capital One harassing me with attempts to collect on an alleged debt. The way this company has made my life a living XXXX with how they have attacked me and violated my natural God-given rights is asinine. This must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MI
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Wells Fargo ( WF ) Small Business Platinum Visa Card back in XXXX. As per it's terms and conditions as shared in the attached I neither received promotional one time credit nor promotional 0 % interest rate for 9 months. 

Upon calling WF team refuse to admit it. I called them day before yesterday ( XX/XX/2023 ) around XXXX pm and they hung up on me then yestedday ( XX/XX/2023 ) and around same time and samething happened after listenign to me and by knowing that the have made a blunder about it their XXXX XXXX hung up on me even after this time I specifically told her to do not do it. I've tried and now tired of calling them hence reching out to CFPB.

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 monetary relief
Consumer complaint received 2022-04-21
Company: HireRight Solutions, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
hopefully this is the right spot. 

HIRE RIGHT HIRERIGHT LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OK XXXX PHONE : XXXX FAX : XXXX back round check, drug screening, physical, and MVR requested by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PHONE : XXXX JOB APPLIED FOR AND LOCATION : XXXX ILLINOIS XXXX ( XXXX ) STORE # XXXX i live XXXX iowa NAME : XXXX XXXX ADDRESS XXXX XXXX XXXX  XXXX IOWA XXXX MY NUMBER : XXXX on XX/XX/2022 hireright was doing a back round check and did not complete it until XX/XX/XXXX XXXX from my knowledge they were not suppose to go back past 7 year back round check. when I received the paper work they went back 12 years and found out old charges. i also have paper work saying there was other tests done like a XXXX XXXXl, and drug screening. they called me and informed me i have passed all the tests. but then get called again saying I don't meet the regulations of the company so this tells me they didn't hire me because of my background that happened 12 years ago. upon talking to a lawyer that's is considered illegal to search back that far and considered discrimination also illegal. I am trying to fined a way to sue them and press charges on this company. I currently don't have a lawyer and I am looking for one asap. i do have the paper work with me at the current moment to show proof that they discriminated against me. but yet passed everything else except for the back ground test. please help me prevent this from happening to other people like me. 

to my understanding if the company was going to pay me {$75000.00} or more a year then they can search further but they werent going to go anywhere near that high. so please help thanks you God Bless DOCUMENT BELOW SHOWS EVERYTHING PASSED CEPT LAST ONE I DO NOT WISH TO SHOW ON PUBLIC DATA BASE HERE. THATS MY BACKROUND CHECK FROM 12 YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank  about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX  points,. Consequently, I am not able to secure financing for a replacement vehicle. 

Therefore, I am asking that this inaccurate report be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX XXXX Services at XXXXXXXX XXXX on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was 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 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts immediately!

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 2023-06-29
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened an account with Citibank on 2017 for an XXXX XXXX card. It had an annual fee of {$95.00}. However at some point in the last 2 years they transitioned the card to something called Citi Premier Card which had none of the rewards or any connection to XXXX. Rather than informing me, they kept billing me {$95.00} despite the fact that I had not signed up for that card and was not getting any of the benefit of the XXXX card. 

Last month I closed the account and was promised that the {$95.00} annual fee would be returned. However, I found out today that despite that promise the {$95.00} fee was still applied despite the fact that I had closed the account and had never used the premier 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$3100.00}

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 non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Transunion is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXXXXXX XXXX XXXX', and " XXXXXXXX XXXX XXXX' which I do not recognize, The inquires that are fraud on XXXX are " XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on Transunion are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, XXXX and Transunion. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from 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 2019-03-03
Company: DISCOVER BANK
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX. 
They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Toyota Financial Services do not sign any letter mailed to my address. Making the letters not a legal document and/or documentation ( XXXX ) I sent two pictures the last 2 letters from Toyota Financial Services WITHOUT ANY SIGNATURE ( S ) This is a BUSINESS COMMUNICATION AND THAT IS SUPPOSED TO BE DONE. These letters are LEGAL DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Called to on XXXX XXXXXX/XX/XXXX to request a settlement offer or to lower the interest rate to payoff the card. Was told there wasnt any offer they could make.

Company response to consumer: Closed with explanation