BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I used Paypal to wire the money to a supposed friend. However, I later found out that someone else hacked my friend account. I tried to request the money back but couldn't. I filed a report to paypal but they said they couldn't reverse the transaction because it's personal account. I tried to explain to them but they closed down my case without any action. The total amount I was defrauded with was XXXX usd. 

I even sent the accounts of the fraudster but Paypal ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX I opened a dispute for a collection account that keeps being re-aged on my credit report. The dispute returned as verified that the debt is valid. 
I disputed it again after asking the company for validation of the debt, they verified and changed the amount from {$3000.00} to XXXX Made a complaint with the Arizona Attorney General 's Office, and the company finally sent validation of the debt. The date of the original debt is past the 7-year statute of limitation and should be removed from my reports. They have refused to remove the outdated information.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity. 

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.

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 2024-01-10
Company: Experian Information Solutions Inc.
State: MO
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:
Closed this complaint with a different response that's worded differently but says exactly the same as all the others which explains nothing

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 2024-01-10
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : XXXX XXXX XXXX Sunrise Credit Service Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XX/XX/XXXX. The supposed collections debt to XXXX was started several years before I first subscribed to XXXX as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.

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 2018-11-20
Company: Collection Bureau of Kansas, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original account was with XXXX XXXX XXXX  and the account was closed and charged off as a bad debt. It was sent to a collection agency in XXXX XXXX, KS and I was making payments to them until hard times fell for medical situation in my family. I received nothing new from the original collection agency or the bank whom the debt was with until I was paying on a bill thru XXXX  XXXX XXXX, attorney also does business as the Collection Bureau of Kansas. I disputed owing him any money on the account as I was in no contract with him or his business on a debt that had been closed and charged off. I received nothing back from Mr. XXXX validating the debt and I have been paying on a debt in his office for XXXX XXXX in which my last payment was mailed in with ALL ACCOUNTS PAID IN FULL. Mr. XXXX office has returned the payment and refused it because they say I owe them the account for XXXX XXXX XXXX that I have disputed and have never received validation on. I have contacted the bank to try and resolve this since the original collection agency did not report the payments that they received from me. Numerous times of trying get resolution through the bank and nothing until I reached our to XXXX the branch manager of the bank I went to and he advised they changed collection agencies to XXXX  XXXX XXXX this year. He did advise me that I could pay the bank or the new collection agency. I am disputing this because Mr. XXXX did not follow the FDCPA in validating the debt balance, etc. and he has not only refused my money for my other debt but failed to notify me that all attempts had ended and they were taking legal action. Today I received a limited actions docket hearing order from the district court. His office is very rude and disrespectful and they do not adhere to FDCPA rules when attempting to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I call the Citi Hilton Honors Reserved XXXX, after I was notified from XXXX XXXX XXXX XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from 3 XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with Citi Hilton Honors however the card was settled for less than owed. I do not have the card are the documents to prove. Citi Hilton had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I previously submitted a dispute for Santander on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Sezzle Inc.
State: MI
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 used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted by 3 companies representing the same debt owed, for the same service. All three are reporting individually. 

Only 1 represents the correct provider of service. Provider was unwilling to work on payment arrangements when spoken to and turned over to collections. 

I only received 1 EMS service, copies of Ambulance Record and  Emergency Room Intake will follow. I was left in a XXXX  from this accident and released from the hospital in XX/XX/2017 to my relatives without EMS services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was issued a Capital One Quicksilver Visa Card. On XX/XX/XXXX I Charged {$670.00} on my card. I made more than the minimum monthly payments ON TIME over the next 10 months. It was entirely paid up on XX/XX/XXXX. However the following late fees were charged to my account : XX/XX/XXXX {$25.00}. XX/XX/XXXX {$25.00}. XX/XX/XXXX {$39.00}. XX/XX/XXXX {$39.00}. I challenged Capital One Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX UT on XX/XX/XXXX. They suggested that I call XXXX. I called on XX/XX/XXXX and spoke to an individual named XXXX. I could not understand her language. I asked for her supervisor. I was then connected to XXXX whose only word I understood was " NO ''. My Capital One Case Number is XXXX. My Card Was suspended on XX/XX/XXXX. I am objecting to the {$120.00} Late Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Park Hill Holdings
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my SafeRent report sent to me via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received mail from XXXX bank stating that someone with my information has attempted to open a credit card ; Capital one and XXXX XXXX. Spoke to XXXX and they confirm they have an alert on XXXX and place a freeze on my account and was advised to the XXXX and XXXX and FTC regarding the the attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: TX
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, I am writing the complaint in regard to a dispute charge that had been denied. Original charge on my credit card is {$1500.00} on XX/XX/XXXX. I started the dispute on XX/XX/XXXX. My dispute had been denied by Citi Bank on XX/XX/XXXX. I disputed a charge by a fraudulent moving company, XXXX XXXX XXXX XXXX. They charge {$1500.00} for a service fee. I had provided evidence that I had asked the company to cancel the service. But the fraudulent moving company, XXXX XXXX XXXX XXXX, refused to refund my money back. I started the dispute but Citi Bank does not resolve my issue and still help the fraudulent moving company, 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 monetary relief
Consumer complaint received 2024-01-12
Company: Ability Recovery Services, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I visited the XXXX XXXX XXXX XXXXXXXX XXXX twice : once to receive XXXX  to a small lXXXX XXXX injury, then again a week or two later for a XXXX XXXX XXXX. I believe the bills must have been sent to the wrong address. I did not have insurance and the bills went to collections, eventually popping up as two collections accounts on my credit report. One was in the neighborhood of {$1200.00}, and the other maybe {$800.00} ( it seems so long ago ). 

In XXXX of XXXX, I negotiated and resolved these two collections accounts, which were removed from my credit report. 

XX/XX/XXXX, I noticed the {$1300.00} collection from Ability Recovery Service on my credit report. I contacted them and asked for something like a medical billing statement or some kind documentation that shows the services I was originally charged for, which they said they could not provide. I contacted the original creditor and they could not find my account.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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 2023-01-06
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have tried multiple times to speak with America First Credit Union regarding my two loans ( home equity personal and HELOC ) to get them to consider and abide by the CARES Act in regards to my situation due to XXXX, I became unemployed since XX/XX/XXXX. I had paid off every single month the monthly principal and interest amounts on both loans but I am no longer able to do so without furthering myself into credit card debt. I have not had gainful employment since. I was able to be granted their once-every-six-months " skip a payment '' program, of which I was able to skip payments in both June as well as XX/XX/XXXX. 

However, this is not good enough, so I seek remedial solutions and have tried to ask them and their management to look into addressing the CARES Act and allow me to be granted forbearance since at least one if not both loans are eligible, since at least the non-HELOC is considered a 2nd mortgage. But HELOCs have the term " Home Equity '' in them as well. I am unsuccessful in getting them to contact me and providing a resolution in light of the CARES Act, of which they are not free to ignore. The last time I was told I was going to get an answer was earlier this week on a follow-up phone call, but that never happened. It seems they are starting over every single time as if I never ever spoke about this or something. This is egregious because I am unable to pay the next month without serious harm and damage to me. 

I am already on forbearance for my home mortgages, so these loans are now a massive hardship on me as I only receive XXXX XXXX as pretty much my only source of income, which doesn't come close to paying anything except utilities and food by itself. I also was told that I would have to fill out a series of paperwork entailing my finances and expenses, but the CARES Act states that that isn't allowed, that banks must merely provide some kind of modification and/or forbearance option without question, until I can find gainful employment or a source of income that get me out of all this hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The company continued to charge me fees on top of fees that were already added. So it was like I was being charged double. I reached out to them about this matter but nothing got done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief