BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX to utilize XXXX which is now known as XXXX. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX  with a XXXX   and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I attempted to send money to my daughter via PayPal 's " send money to a person '' feature. Usually, this is an instant transaction. This time, it wasn't. Instead of an instant transaction, PayPal issued an e-check which takes 3-5 business days. When I looked up information about how to cancel this, I found this on their site : https : //www.paypal.com/XXXX   XXXX & XXXX & XXXX " Can I cancel an eCheck? 
No, but the recipient can cancel an eCheck. If we have not begun processing the payment at the time the recipient makes the request, we will cancel it outright. If we have already begun processing the payment, we'll refund the money into your PayPal account. '' My daughter immediately canceled the transaction. Yet, PayPal took the funds anyway. When I tried to reverse this to get my funds faster all of my requests were refused. I have to wait as long as 8 days to receive funds that they took out of my account when I didn't intend for them to come out at all. 

My bank, XXXX XXXX, also would not help. 

I'm attaching two files. One, a screen capture that shows the transactions were canceled and the second, a screen capture that shows the money came out of my account anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: OH
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:
My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX  deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX   now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..

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 2018-02-12
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.

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 2021-02-04
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: Account information incorrect

Complaint:
I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP

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 2018-02-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Unable to access mortgage account online. On XX/XX/19 called customer service, spoke with them and tech support twice. After I ended first call and was able to access online account, I was still unable to access " mortgage statements. '' Online system showed that it could not verify me, and wanted to send an access code. I never received the access code. This prompted my second call. I was told my mobile phone ( which had been added to the mortgage account, with a text received that indicated my cell was added ) is ineligible to be added to my mortgage account because it is a company phone. Note : I pay my company for personal usage, and this is my only mobile number. At one point while speaking with the customer service representative I was told I could go to an ATM with a Wells Fargo Debit Card or Credit Card and this was going to make my phone number eligible. 

This seems very suspiciously like a way Wells Fargo is making mortgage clients open credit card and or savings/checking accounts. Which is wrong, very wrong!!

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 2018-10-21
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 paid this debt with a collection agency. It was a settlement in full. I no longer have a balance according to the debt collector. I received paperwork stating such, however the original creditor is reporting a balance due. I also paid a different debt with the same collector and same terms, and that one no longer shows a balance on my report. I have tried several times to dispute/submit this information showing I paid to the settlement terms and no longer have a balance with XXXX, the debt collector and Capital One to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: OH
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:
My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, Equifax now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet in XXXX, Ga ( XXXX XXXX ) in XXXX, and a couple of years later I began receiving calls about delinquent accounts which I had no responsibility for. So I filed a police report in XXXX County Georgia in XXXX Case # XXXX. After submitting the police report to all the creditors who had been contacting me it seemed all was corrected and updated except with a collection agency who every year renewed a collection to my XXXX credit report. I've contacted them and explained the account isn't mine and requested that they send anything whereby I'd signed and obligated myself to the collection account only not to receive anything. The collection company has submitted copies of payment schedules, but no legitimate copy of any kind whereby I've signed to obligate myself to the account in question. The collection company name is Portfolio Recovery Associates, however, it appears that the company has used several versions of names over the years perhaps in order to resubmit the collection account. I've since learned that the attorney general 's office claims that the Virginia-based company Portfolio Recovery Associates violated the state 's consumer protection laws. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am a victim of identity theft. The following credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.

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 2020-11-18
Company: CITIBANK, N.A.
State: MA
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 XXXX charged a reinstating service fee on a cancelled service. I was instructed to dispute the charge with my credit card Citi as the account has been closed. Citi started an investigation and provided a credit which was reversed on XX/XX/XXXX, XXXX indicating the information wasn't enough to support your claim and to contact the merchant. The account has been closed and Citi Card is supposed to protect it's customers against unauthorized transactions. No direct contact or additional details provided. by Citi for why they came to their decision.

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 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no contract.

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 2018-04-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They told me I own money, but I dont own anyone money and I have great credit score. 
The person who called has very strong accent, and he was rude and bossy, which sound more like all scam calls. 
I blocked their number. After that, they hide their number and keep calling 3 to 4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After spending {$20000.00} for a {$14000.00} 2017 XXXX XXXX / XXXX XXXX a Car their Buy Program, I was denied {$0.00} down financing. I had just left my [ XXXX XXXX XXXX ], who have me recorded of having a XXXX FICO. But after a long, strange XXXX XXXX to XXXX, somewhere between XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX to date XXXX ) and the Credit Bureaus ( Trans Union, XXXX, and XXXX ), I was not only denied credit but XXXX therein presented me with what appeared to be a FORGED XXXX document bearing a XXXX of XXXX or so. I then told XXXX that this information is not only incorrect from the Bureaus were under Court Order : the residence issue : my address was supposed to have changed pursuant the XXXX XXXX XXXX XXXX ' findings : Mortgage Fraud, defendants : XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX for XXXX XXXX and wife XXXX XXXX / Section 1189 and G.C. 8224.1 Violators. See FERA Act of 09.  And that at least {$250000.00} ( USD ) was suppose to be reflected to each respective parties in concern, bearing case number XXXX / Related Case numbers as the Credit Burea account  numbers. However, none of these things have been done to date and or as the Law outlines.

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 2018-07-09
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ARSI Account Recovery Specialist, inc. ( KS ) XXXX XXXX. Have violated the fair debt collection practice act by the following.1. they added their own fees and or charges, 2. threatened with sueing, 3. threatened me to pay more, 4.filed a judgement ( garnisment ) without a notification or subpoena when I all ready had a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2018-02-12
Company: Opportunity Financial, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email around XX/XX/XXXX, in which PayPal claimed that they were selling off my debt to a collection company. I was so confused by this, because not only have I not used PayPal in years, but I have not been able to even login to my account in roughly the same amount of time. Then I looked at the total of this supposed debt that I have, and it said {$15000.00} and some change. I was absolutely flabbergasted, as I can definitively say I never ever used PayPal to accrue {$15000.00} worth of anything. I actually dont even remember a time Ive used PayPal in my name. I feel like they are just trying to take money from me, and claim that I have a debt that I did not incur. I have tried to email them to appeal this supposed debt, but they are not budging. They are claiming that guy was the one that in fact spend this money. I can 100 % say I was not. They said the charges are from XXXX, and I did not use PayPal in XXXX. I am at a loss, and I do not know what to do about this. I have worked very hard to fix my credit recently, and this is absolutely going to destroy it. This is totally unfair and not right in every way. How can a company just do this to me? I need help. It is entirely possible that this is a case of identity theft, where somebody fraudulently use my PayPal years ago. I just dont know. PayPal is being extremely uncooperative, and they wont even provide me with a detailed list of these supposed charges, so that I can even dispute them.

Company response to consumer: Closed with explanation