BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: Innovative Debt Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls a day, including calls that stack on top of each other like minutes between phone calls, I have asked them to stop calling many times and told them I would report them if they did not stop, they continue to call. Today XX/XX/XXXX at XXXX they called twice so close to each other that the time stamp for both calls in my phones logs are stamped for XXXX and XXXX. A day before at XXXX and XX/XX/XXXX XXXX stacked calls at XXXXXXXX XXXX and XXXX they are calling like this non stop even after I have asked repeatedly for them to make no more contact. They constantly change the phone number they call from as well as if it were an attempt to hide who they are

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 have sent multiple dispute letters to all three credit reporting agencies, Ive sent them a CommonLaw Copyright Agreement stating that any information pertaining to myself is copyrighted. I also sent all three bureaus a filed and perfected UCC-1 financing statement showing my perfected interest in my legal persons name, likeness, assets, etc. The last dispute letters were sent about a month ago requesting that certain accounts be removed, that certain inquiries also be removed that were not authorized, and that late payments are actually illegal and that the agencies should correct certain information on all three reports. None of my requests have been honored. Permissible purpose has not been given to any of the three agencies to report certain information that I demanded be removed. Lastly my credit age is being reported unfairly and incorrectly which is negatively affecting my ability to be approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: U.S. BANCORP
State: MO
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:
I purchased a XXXX XXXX in XX/XX/XXXX which was supposed to allow me to travel from XXXX XXXX until XX/XX/XXXX. I could not schedule until XX/XX/XXXX. When I tried, I could not schedule anything without paying more or the place I wanted to travel to was not allowing me to use the XXXX XXXX. 

Although I was aware of blackout dates, this was not what I expected. I tired reaching frontier via every mode listed : phone, email, and the chats. Nothing led me to be able to request a refund vi electronically or discuss anything with a live person. Even the phone number was bogus : XXXX. 

After several times I reached out to US Bank who gave me a provisional amount. It was rescinded XX/XX/XXXX, because I failed to return the completed US forms which I was unaware of. After sending them back on XXXX XX/XX/XXXX they refused to reopen the case. 

Their reasoning " It was the same information. '' I continued to call and visited a branch because I'd sent in the docs and a picture showing I have no points and have not used XXXX XXXX. 

Finally, XXXX XX/XX/XXXX they reopened the case. Yet today they have recharged me again. When I called, according to the US rep I talked to, there is no one handling my case. I could only leave a message. 
Today I uploaded the original docs sent to US Bank and the current pictures from my portal on Frontier. As you will see, I have no miles and no ability to use a XXXX XXXX XXXX. 

This is a business card and I have had to take a plan and XXXX trains recently because of this dilemma. I can not use it to XXXX for my XXXX-class reunion XX/XX/XXXX and return on XX/XX/XXXX. I was supposed to be able to travel nationally and internationally. 

I am disappointed in US Bank because regardless of if my bill is {$1.00} or thousands, I pay it monthly. I do not believe anyone truly invested and they are pushing paper and going by ads or whatever they think without justification. I have nothing for my money.

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 2023-11-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Today   XXXX   XXXX  I spoke with a Transunion Manager by the name of  XXXX   XXXX  about removing a couple of unauthorized inquiries on my credit file. Before I even spoke to him Transunion had a automatic message stating there was a glitch regarding inquiries and if we were affected by the glitch to have the inquiries name and date. Furthermore  XXXX   XXXX  was the manager that answered my call and he said to have inquiries removed I would have to contact the creditor and have them write a letter on my behalf to get the inquiries removed. I stated to him that the inquiries I wanted removed had already been removed and they were readded because of their glitch which is not my fault. He further stated there was no glitch but Transunion has a automatic message stated so. I then went on to ask him how do they investigate inquiries since I have recently disputing these inquiries once again and that same day they came back factual. He stated that they do n't investigate, that once something hit my credit report it 's factual and will remain. I told him that 's not an investigation and that by law if a credit reporting agency such as themselves want to add and remove things that they have to do so in writing within 5 days and they have yet to do so.

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 2019-09-17
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: Their investigation did not fix an error on your report

Complaint:
My account with US Dept of Education was paid in full in XX/XX/2019 and my credi report in XXXX for Equifax was updated to show paid in full. Then in XXXX my credit report was updated stating I owed {$560.00} and was in collection. I tried disputing with both Equifax and Dept of Ed and equfax is stating this is the information they are receiving whereas Dept of Ed is saying they are reporting paid in full. This is impacting my score and it seems like either the information has been sent wrong or equifax is not updating my report. Attaching a screen shot of My equifax report to show what XXXX said and what it currently says.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In late XXXX I set up a Personal PayPal account in order to sell some of my personal items online. I have had a business account with them for many years and have done hundreds of thousands of dollars on that account with no issues. I have had 3 small transactions ( all under {$20.00} ) and they have immediatly held my funds on each with numerious reasons given. I have called 5 times and finally got the first two released. Now I just got another held even though PayPal sent me two different emails saying that " Congratulations! You are now an estabilished Seller. '' Were happy to let you know that you are now an established seller with us. Payments you receive from today onwards will usually be instantly available to you, and money currently in your pending balance should be available within 21 days of the transaction date. '' It seems so wrong for them to hold my money. They have my credit card on file, They have my Bank Account Information on File, They have my outstanding and long standing business information on file, I immediatly ship and furnish them tracking numbers and yet this is how they treat me. This is exactly how XXXX companies work. Raising Fees ( They just took a huge fee increase ), Holding Funds, and making it difficult for people to get their money. Great way to make your numbers look good to the stock market? I DO NOT have issues like this with my long standing business account but with all the information they have there is now reason I see that they can justify holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 informationisinaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-10
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: Personal information incorrect

Complaint:
Hello, On XX/XX/XXXX I sent a letter to Transunion requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. The new information was added but under the wrong category ( previous ) while old information remains listed under the wrong category as well ( current ). On XX/XX/XXXX I submitted another letter reiterating my request to have my information corrected. To this day, no action has been taken by Transunion and my information remains incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: CITIBANK, N.A.
State: CT
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:
On XX/XX/2020, my daughter XXXX ( XXXX ), lets me know she can't find the credit card she shares with me. She believes it's misplaced and we order a replacement from Citicard. 
After a tumultuous 2 months during which I lose both my parents to XXXX, on XX/XX/2020, I check my credit card statement and spot XXXX fraudulent transactions for a total of {$10000.00}. 
I immediately contact Citicard, cancel the card and order a new one. I am told to fax a copy of my statements, circling the fraudulent transactions. The fax is sent on XX/XX/2020. 
Without any news, in XXXX I re-contact the fraud department. It seems they have not received my first request to reverse the charges. Over the phone, we go over the fraudulent transactions. I am told they should be reversed within XXXX cycles. 
In late XXXX, Citicard informs me the investigation is closed and deems the transactions valid, because my daughter had the card in her possession. 
Over the phone I contest this point to no avail. 
The fact is my daughter was visiting XXXX, NY. She believes the card was stolen at a restaurant there, on XX/XX/XXXX. She never filed a police report because she didn't think, at the time, that it was stolen. 
The fact that I kept using the card while my daughter 's card was also used fraudulently is interpreted by Citicard as " we had the card ''. 
I explained at length that we didn't know my daughter 's card was stolen. To no avail. They refuse to hear my explanations. 
The pattern of fraudulent transactions clearly shows a very unusual pattern and could/should have been spotted by Citicard. 
At this time, Citicard refuses to listen to my explanations and keeps charging me interest on the fraudulent transactions. 
I have been a Citicard customer for XXXX years. It is the first time I have a similar issue with this company.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter

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 2022-10-07
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I closed my Barclays credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

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 2019-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a PayPal Business Merchant Account that was to be used for my company XXXX for clients paying reoccurring subscriptions. After several months of trying to contact PayPal and being transferred to multiple departments to explain that payments are not being obtained from my clients and that payments processed from paypal are not appearing into my companys account I have had no successful resolution. My company XXXX is currently missing over {$100000.00} due to unsuccessful payments processed on the PayPal side. 

PayPal has sold me multiple products which are seemingly all different departments which causes me to go in circles when trying to resolve the issue. Aside from trying to explain to PayPal the situation and upload documents for them to review they're unable to do a screen share with their clients and or obtain emails a client would like to send them to obtain the documents. 

When I have previously used their portal to upload the documents I haven't been able to get a successful resolution by their support department and or whoever deals with potential fraud, security issues, and or customer complaints. 

Aside from the payments not being processed my account has gone negative {$38000.00} from supposed clients of mine who have asked for refunds or stated that the charges were not authorized and when I compare the chargebacks the charges are made under my clients name but the documents shown by PayPal show a previous developer hired by my company to build out the software platform owned and or operated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I got charged ( {$470.00} ) to my red card that something I did not buy. Target store refused to check the camera. I am fighting for a months with target to dispute charge. I went to Target store to buy XXXX Gift for my son. My son grabbed gaming machine and other toys ( XXXXXXXX XXXX XXXX XXXX : total of {$470.00} ). My father tried to use his credit card. His credit card did not work. So we decided to buy only the XXXX toy ( {$50.00} ) with my target red card. I informed to the cashier that I will only buy the lego. Cashier informed me that she would not charge other items and only charge the lego. I received the receipt only for the lego toy. A few weeks later, I realized that gaming machine XXXX, XXXX, other toy were charged to my card ( {$470.00} ). I never purchased those and never received the receipt. I processed the dispute for the charge to Target and requested them to check the surveillance camera. Target did not check the camera and denied my dispute for three times. Target stated that this is valid charge since the pin number was used. I used pin number to purchase the lego. XXXX is very expensive gaming machine ( {$400.00} ). It would be easy to track that inventory or check the surveillance camera if I really made the purchase or not. Target did not perform any of those and refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into chase to put my insurance check into save keeping while renovations are happening. Chase took the check with my name and mortgage company name and put into account. I got a letter mailed to my house that I am not even living at due to the reconstruction from chase saying that the check put in account for save keeping looked fraudulent and I needed to call to clear up, no phone call or anything. Thinking everything was good because it was in account and nothing was said we have bought stuff for the house. No my joint account for mortgage to pay my house off is being closed. The teller should have never allowed the transaction and chase is not being very helpful through this stressful terrible time. Now I have no way of paying and have to wait extra weeks to pay the team. Super unprofessional. I called and ask for multiple house how I can fix it and they told me they just need them to say yes and that my account will be back to normal. That is no longer the case and it is closed indefinitely. All the pain, stress and suffer is not what should be happening to make sure I dont lose my money.

Company response to consumer: Closed with explanation