BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two notices in the U.S. mail from Wilber & Associates, P.C., XXXX XXXX   XXXX, XXXX, IL XXXX. This company states they represent XXXX XXXX company, and are contacting me to pay XXXX XXXX {$1200.00}. They refer to File # : XXXX ; Online Access Key : XXXX ; " Our Client : '' XXXX XXXX ; Client Claim Number:XXXX ; Claim Location : XXXX , CA . 
I immediately called XXXX XXXX. After speaking with XXXX XXXX at XXXX, and three other XXXX employees, who all agreed there was no such claim number and no relationship between XXXX XXXX and Wilber, etc., I spoke with XXXX XXXX from the Subrogation department. 
All of these people told me that XXXX XXXX had never hired a company called Wilber or Wilber & Associates to represent them. They did pay out a claim to their client, XXXX XXXX, but were not trying to collect these funds from either myself, or XXXX XXXX XXXX XXXX, who also received a collection notice. In other words, this collection notice is an attempt to collect on a debt already paid by XXXX XXXX, and XXXX XXXX has no knowledge that Wilber and Associates is using their name in an attempt to collect more money than is due. Thus Wilber & Associates is fraudulently representing that they are employed by XXXX XXXX to collect a debt from me that has already been paid, and the account closed out. No money is owed, as it has already been paid. 

Notice how it seems legitimate by saying I can make the check payable to XXXX XXXX, but the fine print on the bottom allows Wilber to collect the money, and then destroy evidence that you made the payment to XXXX XXXX. This should be illegal and punishable ; I'm sure some loophole allows it, and hope people are not duped by this.

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 2018-04-30
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX  payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Both complaints filed, received the same reply from TransUnion. It does not matter how much they think they are right. They are still in violation of the FCRA. They can not arbitrarily determine or report a score that is not consistent with information, complete or incomplete on my credit report. Simple as that.

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX earned income credit qualifying children office address XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX admissions office Attach XXXX XXXX confidence financial letters of posted and post dated Annual XXXX XXXX Qualifying financial errors corrections caused by XXXX XXXX XXXX XXXX Public works political organization concerning Geographic coverage married Joint medicaid and medicare review errors caused by Judge office XXXX XXXX constables commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. XXXX XXXX XXXX witness by Judge 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 2020-07-01
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: Information belongs to someone else

Complaint:
INQUIRES THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM ALL FTC VIOLATIONS! 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 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 2020-06-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, a Sunday, I noticed my Paypal account was showing 10 unauthorized transactions. They were occurring even as I looked at my account online. 
They were for items mostly around $ XXXX dollars for distillery product, groceries, XXXX, XXXX, clothes, and more. The total was around {$230.00} before I could change my security settings such as pin, password, and add a code by phone prior to use debit card. I had my debit Mastercard and nobody else had a copy. Nobody else was given my pin for the card either. It was like somebody had my card and pin in a store and was buying things. It appeared to be an inside hack job or maybe stole a skim for my Paypal debit master card. I reported this to resolution. I tried to call Paypal to report some unauthorized activity but no live person was available. The activity stopped after I changed the pin or increased security measures that evening. I had not used my Paypal card for several days prior to this. I have not used it since XX/XX/2020 either. 
The next day my personal bank account began receiving charges from Paypal. It is strange that I did not have my bank set for auto back-up as the activity was occurring. Yet the charges were forwarded to be paid by my XXXX XXXX account. I reported to XXXX immediately to block these unauthorized charges. Eventually, XXXX did it and would not allow Paypal to transfer charges to my bank account. I did not have my bank pay any charges and have blocked them from getting to my personal XXXX account. I have tried to close the account with Paypal. There is a credit of about {$35.00} in the Paypal account. I do not care about that since I had not used it for any of the unauthorized charges. My account is " Limited '' by Paypal and they even wanted me to give them my PW for my XXXX account and a copy of my statement. It is apparent that Paypal is not accepting the activity on XX/XX/2020 as unauthorized. I am surprised by this since Paypal had generally been helpful for many years as a safe way to do online transactions. Paypal is not allowing me to close the account online. I have written a half dozen messages to explain to me how this could happen. They do not respond and just leave the account dangling in a " Limited '' status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: CITIBANK, N.A.
State: TX
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 settled 5 accounts 2 Citibank 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided 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 explanation
Consumer complaint received 2022-08-09
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received a bill for the medical service until almost two years later. I contacted XXXX XXXX XXXX XXXX and they said that my insurance company never responded when they sent the bill. I contacted my insurance company and they said they never received any information on the bill. I contacted the medical facility again and they admitted they sent the information to the wrong address. They sent the information to the correct address but my insurance company denied the claim because it had been too long since the date of service. I called the medical facility again and they said they would write off the bill since it was their fault. However, I just received a collection notice from United Collection Bureau , Inc. for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
Purpose of this complaint is to show the intentional act by Wells Fargo to damage and cause harm to my credit. 

XX/XX/XXXX on XXXX, and XXXX W.F. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, W.F. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with W.F. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction 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 2019-09-13
Company: Experian Information Solutions Inc.
State: AL
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 received a copy of my credit report and found the following item to be in error. in no form i recognize this.

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report and found the following item to be in error. in no form i recognize this.

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 2018-06-18
Company: BARCLAYS BANK DELAWARE
State: LA
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:
After going paperless I did not get a statement letting me know that a payment was due and 5 days after the due date I got a reminder that a payment was late and was charge twice a late fee XXXX each time this is a was for then to XXXX us.

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 2018-12-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been going back and forth with XXXX XXXX XXXX XXXX in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the 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 2019-03-27
Company: GSI  Recovery, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had went to the hospital XXXX  of last year XX/XX/XXXX. I had received Medicaid and all of but one bill for {$110.00} for XXXX XXXX XXXX was paid for in which I had called several times about informing them I had full Medicaid at the time. I now receive a bill from GSI recovery in which I had called several times and never got a call back until today XX/XX/XXXX when I had called 4 times until finally someone picked up. When I tried to explain what was going on and tried to give him my information he said that I had to call Medicaid in which I then tried telling him I did and they said to call them he then yelled at me told me to never call his business again and he dont care that it will now be added to my credit report as bad debt and that I should pay my bills. I was covered so my bills are paid why I keep getting this one that I have called many times about I dont know and keep getting the run around but to be threatened that it will now be added to my credit report as bad credit when i should have never received this bill in the first place is beyond belief. How many times have this company did this to people instead of helping them just threaten them and put things on their credit report that do not belong there.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
To Whom It May Concern : My name is XXXX XXXX ( DOB :XX/XX/XXXX SSN # XXXX ). As ofXX/XX/XXXXlast month I reviewed my credit report and a Capital one credit card account unauthorized by me. This account is listed as an primary user in my name which I have absolutely no knowledge of!! I've contacted Capital one several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Capital card ( XXXX ) that was opened onXX/XX/XXXX. I was XXXX XXXX XXXX. This card has caused problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Issues with extra interest and money added

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 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 applied for a townhouse and I didn't get approved. I couldn't understand why until I checked my credit report. I have several items on my credit report that are not mine. I don't understand what's going on but these items are not mine, I didn't approve any of these items and the all need to be deleted from my credit report. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, AUTO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. ( Inquiries ) : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, 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 2019-09-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ACCOUNT RESTRICTED ON XX/XX/2019, WENT INTO THE BRANCH AND RESOLVED IT ON XX/XX/2019. 

XX/XX/2019 ATM ACCESS RESTRICTED AND WENT INTO THE BRANCH TO ON XX/XX/2019 AND COMPLETED A PIN RESET TO RESOLVE IT XX/XX/2019 ONLINE ACCESS RESTRICTED, AND THE USELESS LOSS PREVENTION TEAM IN XXXX ASKING ME TO STEP INTO A BRANCH TO VERIFY MY IDENTITY AND RESET MY ONLINE ACCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just became aware of an account from XX/XX/XXXX from saying I owe XXXX dollars from a XXXX bill. I still have XXXX XXXX and I don't owe them. My account is up to date. When changed were made to my account I was told everything transferred over which it did because I paid for it. Now here it is XX/XX/XXXX and this show up as collections on my credit report. No one from XXXX has ever contacted me stating that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND 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