BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is 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 2020-10-22
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently pulled my credit and saw several accounts that were fraudulent, it is ruining my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my report often to make sure my information is reporting accurately. A few years ago, I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company XXXX as a collection for {$270.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or dunning letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have never once heard of XXXX XXXX   before this problem and because of them, I am even being denied short term loans that have no hard inquiries. They stated that XXXX was reporting a XXXX score back in XX/XX/XXXX OF THIS YEAR, and then a XXXX ... I had never even heard of these people ... when I know I have been working my XXXX off getting my scores up to past 660!! ... I even tried to get my score from them but there is no way in XXXX I am sending every single detail of my personal information to them in order to obtain the " info '' they SOMEHOW already have. I would love to have them shut down because it is causing a bunch of trouble and just screams SCAM!

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 2021-04-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent AMEX a letter dated XX/XX/2021, and told them that they are reporting erroneous inconsistent account information on my credit report. Tracking Number # : XXXX. 

AMEX responded with a letter that is saying that they will send me the documents that I requested but the letter never came. 

Because of this negative effect on my credit report, I had been denied loans which, in this time of crisis is a necessity. This has caused me and my family a lot of stress, As per CCRAA which is a state law, AMEX is required to submit a report that is accurate and consistent as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
The account in question in discussion is Amex Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 XXXX XXXX XXXX XXXX XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
It has come to my attention that a WELLS FARGO BANK, N.A. check numbered XXXX was successfully received by the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX but the funds were never delivered to XXXX by WELLS FARGO BANK, N.A. If XXXX is dealing in good faith it stands to reason that WELLS FARGO BANK, N.A. failed to honor the negotiable instrument that was sent to XXXX. It is the duty of WELL FARGO BANK, N.A. to make the funds available to the payee of the negotiable instrument once the negotiable instrument is processed. WELL FARGO BANK N.A. 's apparent failure to process the negotiable instrument as required has negatively impacted a debtor 's credit file causing it damage.

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 2020-09-02
Company: Medical Data Systems, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I paid {$740.00} to Medical Data Systems to settle a debt that Medical Data Systems had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from XXXX XXXX ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to Medical Data Systems a year ago. 

I contacted XXXX XXXX informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that XXXX XXXX has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.

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 2020-10-09
Company: DISCOVER BANK
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 information incorrect

Complaint:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, 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 2020-12-06
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XXXX I venmo the wrong use the user according to venmo declined payment however it was never returned to me, I payed the correct vendor and then venmo charged me the XXXX never returned to me.. and froze my account, I was told they would correct the mistake unfreeze my account and never did, nor did they go after the user who didn't do her part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
bank of america my debt card was used with all positive balances in the account at time of purchases starting date XX/XX/2020, today is XX/XX/2020, they held all processing until today so they can charge me 6. {$35.00} overdraft charges all at once .to collect the fees. ill explain. 
The first transaction was done XXXX FOR {$9.00} point of sale debt charge went thru. 
Next : merchant debt for {$1.00} charge went thru. 
all positives balances in checking account at time of t transactions Today XX/XX/2020, I had 2 charges come thru at XXXX XXXX on XX/XX/2020 usually in my business account i have ample time to cover these 2 charges before XXXX XXXX  banking hours. they blame it on merchant processing they are all debt cash transaction. 
Last charge was a XXXX transfer from my checking account to a relative account, cash balance positive in checking account. today the charged {$35.00} charge for that transfer as well. 
my complaint is all transaction are mine but they did not post transaction until my account was in the negative which was XX/XX/2020 I will not pay these fees deceptive account practices complaint # XXXX for bank of america filed

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 2020-10-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In spite of various requests by prospect lenders that I've requested to refinance my mortgage, Equifax has failed to send the reports. About two months ago the lenders and I called Equifax which confirmed they were no issues. 



Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Harris & Harris, Ltd.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A message from Harris Debt collection at phone number XXXX. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : TransUnion is reporting a payment status of current with no late payments, XXXX  is reporting a payment status of current with no late payments and XXXX  is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-11-27
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX and i been a customer for over years now. Its says if i get a direct deposit of XXXX $ i would not have to pay a monthly fee. Ive been charged for years i never spoke up. Rite now it is over XXXX . I get a direct deposit over XXXX $ every month for over 3 years. I wiuld like all that money back into my account. The American Express company is stealing money from me for over 3 years for a charge that should be free. You have all my information, please correct what you are doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On the morning of XX/XX/17 I completed a {$1800.00} wire to Coinbase. I have confirmed that the wire instructions including the further credit reference was present and correct. Coinbase still had not credited the funds to my account. They stopped responding to me on Saturday. They didnt even acknowledge my messages earlier. You cant call them on the phone.i shared all of the wire info including the bank Ref and fed Ref numbers. They havent even made an effort to check on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently pulled my credit report an found various fraudulent accounts, it is ruining my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2019-05-30
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened an account with SunTrust Bank. On XX/XX/2019 I deposited two XXXX checks from the United States Treasury which were issued for XXXX. I verified with the Social Security Administration that the checks were genuine. On XX/XX/2019 i called the local SunTrust branch after viewing the mobile app and there was a fraction of the total deposit being held, but the rest showed available. I was dually informed the possibility of a hold was likely, but would be returned. I proceeded to make purchases during the day and when I tried to use my card just an hour later I found that my account was closed. I called the customer support and the lady was dumbfounded and bluntly told me she had absolutley no clue how or why it happened. I called the branch this morning and the manager informed me that the account was closed due to possible fraudulent checks and I was being sent the remaining amount in 7-14 business days. If there was an evaluation of the checks, they should have just locked the account until the answer was found. Furthermore, I shouldn't have access to the funds at ALL until the research was complete. Now I have to wait two weeks to get a check from SunTrust to get the money that the government gave me? In that time my phone will be shut off, I won't be able to provide for myself or family, everything I had was in that account. Something needs to be done about this. I've read news reports that this exact same thing has happened before SunTrust has corrected it.

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 2017-12-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I received a letter in the mail from XXXX XXXX XXXX XXXX stating that " The records of XXXX XXXX show that your balance of {$200.00} is due in full. '' My XXXX account balance is {$0.00} and I have confirmed this with XXXX directly. I do not have any credit cards therefore no XXXX credit 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 2020-10-22
Company: EQUIFAX, INC.
State: KY
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 have disputed the inaccurate reportings with TXXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, XXXX is reporting a payment status of current with no late payments and Equifax is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/20, I purchased an XXXX gift card for {$500.00} which I sent to a client a few days later. The card arrived unopened and intact with no signs of having been tampered with. On XX/XX/20, my client emailed saying he was about to use the card and when he had checked the card balance on the XXXX website, it showed someone had stolen {$490.00} from the card on XX/XX/20 leaving a balance on the card of {$5.00}. The client printed out and provided to me the activity for that gift card showing the card purchase and the unauthorized disbursement of gift card funds. It shows someone with a PayPal account in the name of XXXX XXXX stole the money and passed it through PayPal. He also emailed photos of the card and the card envelope. See attached. I have also attached the receipt for the purchase to cross-reference the card information on the package to the card information the receipt. 

on XX/XX/20, I contacted XXXX who said I must contact PayPal for any help recovering the stolen funds since they were " laundered '' through PayPal by the thief. 

Beginning XX/XX/20 and multiple times since up to XX/XX/20, I have emailed and left written messages on PayPal 's " Message Center '' explaining that theft/fraud had been committed against me by one of their users using their payment system and asking them for a response. PayPal has provided NO RESPONSE. 

I have also called multiple times to the PayPal phone number posted on their website and on the printout of the XXXX card activity - XXXX. Each time, after going through the lengthy phone menu to try to speak to someone at PayPal, a phone messages says there is no one available to service this call now and the call disconnects. 

I want PayPal to take responsibility for ... 1 ) the fraudulent use of their system by one of their users ( the thief who stole my and my client 's gift card funds ) and ... 2 ) their failure to provide to me any response to my repeated requests for help and ... 3 ) to recover the gift card funds from their account holder who stole them and reimburse those funds in full to me.

Company response to consumer: Closed with explanation