BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I am writing to file a formal complaint against PayPal regarding the unjust and unexplained limitation of my account, which has persisted for over three months. Despite my unwavering adherence to all PayPal policies and regulations, my account remains inaccessible.

I kindly request that PayPal takes immediate action to either restore my account to its full functionality or grant me temporary access to submit all the necessary documents and proofs required to address the limitations. I want to reiterate that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have a strong desire to continue conducting legitimate business with PayPal. It is within my rights to have access to this service and I will not tolerate an extended denial of access without due cause. If PayPal remains unresponsive and does not take prompt action to address this issue, I will have no choice but to escalate this matter by filing a complaint against PayPal with the Internet Crime Complaint Center ( IC3 ) and seeking legal recourse in a court of law. 

It is imperative that this matter is resolved with the utmost urgency and fairness, as my ability to engage in legitimate business transactions has been unjustly restricted without warning. 

I eagerly await your immediate response to this pressing issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE 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:
Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/2022 {$0.00}

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 2023-04-12
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: Information belongs to someone else

Complaint:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following inaccurate items ASAP. Thank you.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit 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:
To whom it may concern, My name is XXXX XXXX I live in XXXX XXXX, on the day of XX/XX/XXXX I rented a car because I miss my flight to XXXX, I use XXXX party app like XXXX to book a car it was {$18.00} per day and I bought a insurance thru price line time off rental no one said anything to me that car rental is only same state which is Florida and after they have seen my License is From XXXX XXXX when I got to XXXX merchant name XXXX XXXX XXXX They ask me to bring the car back to Florida I can not do that because I had to work, to make it easier I assist that I will drop this car at the airport and they can find a way to pick it up they refuse to pick the car up now its a day XXXX I left the car at my work I told them where is the car and Car Have a XXXX DEVICE so they know where is the car located it took them 1 month to pick the car up which is not my fault I am diabetic I have take insulin my work and my illness I can not able XXXX XXXX XXXX + hour to XXXX XXXXXXXX XXXX. On the day of XX/XX/2023 I got charged into my credit card for {$6100.00} I call capital one on that same day when I saw the change for XXXX I panic where this coming from my Credit limit is only {$500.00} And capital one let this happen and now they want me to pay this amount I have a job that I am making {$12.00} I can barely have food to eat after paying the rent I tried everything to ask capital one to dispute and they are not helping me at all I work so hard to built my credit I need help please help me this is why I am reaching out to consumers department because I need your help please..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX  XXXX involved me making deposits for a total amount of XXXX XXXX from my CashApp account to fraudulent investment firm ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was reached out to by what I thought was an online job opportunity. I was sent two mobile checks to my email and instructed to send money to a XXXX account for start up fees and work equipment. It seemed weird, but Id never had an online job before and was unaware of the associated processes. Luckily, the bank held a majority of the deposit, two checks, one for XXXX and the other for XXXX. I was to send XXXX to XXXX XXXX in XXXX. I contacted the bank while the transaction was still showing as pending on my account, and requested the money back on XXXX, but it was denied. The bank disputed the charge, but ultimately decided I was at fault. They did a credit reversal and now my account is negative. By their protocols, I have 41 days to pay or my account will be closed. Upon calling and asking for information about my next steps, I was told Id have to wait five days because the system isnt showing my information on the reversal or my options. But those five days count toward the total 41. There is also not a repayment plan for deposit accounts. But I dont have the money to pay all at once, especially since I didnt have that money to begin with. Ive called repeatedly since this happened and have never been given clear information about my options or next steps. The transaction was reversed XX/XX/XXXX, yesterday and I called this morning. There is nothing showing in the system that gives any information on what I can do. My account was also placed in credits only status where I can only use certified funds as a deposit. So Ill have to pay extra when this is all over with. I just want to be able to either have it reversed because I believe that the decision is wrong. The transaction was pending when I disputed. Or at least be able to regularly deposit funds without have to physically mail money or pay wire fees. I am not trying to get out of paying If it is deemed Im at fault. I do not agree with that decision, however, I just want to be able to pay without a time constraint and extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello ok so my account was closed due to fraud. First they restricted my account and then they lifted the hold and unrestricted my account they said my account was good. I had a check for XXXX from XXXX XXXX XXXX bail settlement the money was available on XX/XX/XXXX to be in the account they closed my account due to that the check wasnt verified from the maker but the check did clear out I called XXXX XXXX XXXXXXXX bail settlement and they said the check was cleared XX/XX/XXXX but chase is giving me a hard to release my funds due to that they cant call the maker because the number does not show on there system to call meanwhile the check was cleared I tried to give them all numbers from that maker and still there system is not showing the number to the company I do have a recipient with the sequence number that the check was deposited and also have the letter that came with it I told XXXX you guys should use XXXX to XXXX the company because it shows the number and the reason why they had a bail settlement out for. I would like them to release my funds and send me the check of my funds that was available and then the check was cleared please please help me with this to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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: Account status incorrect

Complaint:
XXXX XXXX is reporting an account as adverse against my credit file which has caused a drop in my credit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with Trans Union and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Someone applied for a XXXX card in my name. I did not apply for a XXXX card. I would never apply for a XXXX card. The company sent me the card, I called them and told them that I did not apply for this card. They cancelled the card, however all of my information was breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an issue that had to resolved with 360 banking through Capital 1 last year. It was mediated by the CFPB because they changed my name on my credit report and the banking I have XXXX and their explanation was I feel less than par and very distasteful crude and I felt I was part of my own dehumanizing. Its happening all over again theres missing payments and large amounts of money and I get absolutely no help from them filed formal complaints not once have I ever received a call back even from the first incident. They did have to write up their staff by the name of XXXX for violating my civil rights, and I would like to reopen or associate this mediation with the last complaint, its just cultured and enable behavior. Im in my opinion and I can prove this..

I am also sending in the documentation to show they took the money out and to show with a firm that they received the money and when it posted to their account, Im also providing the information with the return payments when monies are in the account as well. this month alone Ive been charged over {$300.00} just from the leasing company because of whatever is going on at the 360 banking.

I was only able to upload five documents, but all of this also occurred. This is the third month in a row that the payment was apparently returned as well from my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I sent a letter to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or informations not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again : The following are fraudulent items that needs to remove : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX XXXX  XXXX : {$400.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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