BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My computer was hacked and someone went into my XXXX and made 2 purchases that come out of my personal checking account and also went into my paypal and sent themselves XXXX also out of my personal checking account. Both XXXX and Paypal was linked to my personal checking account. Whomever done this also done 2 transactions off of one of my credit cards. XXXX is actually what alerted me by email that someone might have hacked my account and they shut down my account immediately. They stopped all purchases and automatically refunded transactions I have not been able to speak with them not once but they knew this was not me and shut it down immediately and refunded the transaction. I immediately called my personal bank because I have XXXX and Paypal charges and I disputed them and they automatically removed them because they also knew this was not me. Well immediately the morning of XX/XX/20 when I discovered this I automatically completed and unauthorized transaction with Paypal. They denied this due like transactions and stated this was not unauthorized. The person that completed this sent themselves XXXX out of my personal checking account why would paypal not wait until funds were authorized before sending money but I am guessing they did not. I was contacted on XX/XX/20 concerning negative balance because my bank returned payment and I have appealed this 3 times and they keep denying. I have all proof this was not me I can send whatever needed but when talking to someone on message center due to can not talk to anyone one by phone you ask them what they possibly will need to prove this and I am getting nowhere. I have money in savings in my paypal account and now that they have my account showing XXXX negative I can not even get that out. Which I am not to much worried about the savings I need to have this fixed on the charge for XXXX this transaction was in no way me and I need help to get this removed from account. I have attached a copy of the transaction with Paypal, the denials from Paypal, Proof from my bank, Proof from my credit card, email from XXXX alerting me of fraudulent activity and I am also attaching a letter that I sent to Paypal XX/XX/20.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I used a company to send an email to Capital One asking for a Goodwill removal of some late payments. In response to that email, Capital One sent me a letter stating that they could not change my address unless I give the 3rd party permission. It also said a copy of the request was included with the letter. I did not request an address change and the copy of the request showed what we asked, a goodwill request for removal of late payments. Included with my request, was the request of 6 other Capital One customers. It showed these customers name, address, phone number, the majority of their account number and a link to their social security number. 
I contacted Capital One customer service because I was obviously concerned about these customers data being leaked as well as the possibility of my data being leaked. 
I was initially told by the cs agent to just destroy the documents and to sign up for some " credit monitoring '' at my own expense because she couldn't confirm if my data had also been leaked. I asked her if they intended to inform the customers that their info had been shared. She then gave me a po box address to send the info back to at my own expense. This response is completely unsatisfactory. They sent out peoples private info and are acting like its no big deal and expect me to foot the bill for my own credit monitoring?! Nevermind the fact that they never even responded to the goodwill request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: SC
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 validity of an account listed on my credit reports with both Experian and XXXX. The creditor is XXXX XXXX and the disputes originated in XX/XX/2022 and again in XX/XX/2022. In my disputes with the bureaus I specifically requested that they provide me with proof of validation of account from XXXX XXXX. Both disputes with each of the bureaus were not resolved to my satisfaction as this information was never provided to me. Instead, the bureaus ( Experian and XXXX ) notified me that the creditor ( XXXX XXXX ) informed them that the account was indeed mine and thus they did not remove them from reporting as a negative item with the bureaus. The XXXX account does not belong to me which is why I am adamant about that and requested validation from the bureaus which they have not been able to provide to me, yet they continue to report the account accordingly. XXXX XXXX has made changes and added a comment to the reporting of the account claiming that it is " in collection '' instead of a charge off account which has now caused a significant drop in my FICO scores. Experian and XXXX continue to lower my FICO scores without merit or cause even though they can not or will not but definitely have not provided me with supporting documentation to support the inaccuracies in my report so they can continue to push their products and partner merchants to consumers like myself who value their credit worthiness.

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 2020-03-18
Company: EQUIFAX, INC.
State: PA
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 reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCM # s XXXX, XXXX, XXXX, and XXXX. I have repeatedly sent validation letters to MCM in XXXX, XXXX, XXXX, and XXXX of this year 2018. I have disputed this with all 3 credit bureaus.

MCM continues to send me letters in response ( attached ) stating " they are uncertain what I am disputing '', and have yet to establish that the account is accurate and true in nature.

I have asked to see the original documents that I allegedly signed and they refused. MCM /Midland will not provide them. I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA. 

I have attached examples of the replies from MCM and their lack of validation. I can provide proof of mailing if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife passed on XX/XX/21 and has account XXXX with Charles Schwab Bank which contains {$100000.00}, Account XXXX with {$29.00} and I have not been able to get them to forward the funds. It is their reference number XXXX XXXX XXXX XXXX XXXX. They set up a call to me and forwarded the forms to complete plus sending them a copy of death certificate and the letters Testamentary. This was done and forwarded on XX/XX/21. XXXX XXXX is the person I have dealt with and they will not return a call. I forwarded the forms again on XX/XX/21 via fax and have had no response. 

Would appreciate any help you can give me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NY
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 never been late on any payments reporting to my consumer report showing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. On XX/XX/ I took action with all credit reporting agencies to correct these inaccuracies, certified mail, with no relief! I have noticed a collection, trident asset management ) As collector of debts, attempting to collect a debt I am not aware of. I have never received a letter of debt validation from these agencies.l believe they are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. lf you'd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it. A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds. 
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC Vs XXXX XXXX XXXX make clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I contacted Experian about the false information on my report which was submitted by XXXX XXXX which was a result of identity theft. XXXX and XXXX removed said inaccuracy but Experian refused.

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 2022-12-03
Company: Sensible Auto Lending, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter advising that I had a past due balance on a victoria secret card that I did not have or use. I was advised that I purchased for almost XXXX dollars items that I did not make or receive because I am a XXXX patient. The debt was transferred to a XXXX XXXX XXXX named XXXX XXXX from Victoria secret. I advised them that I was in the hospital getting XXXX care and that I did not make these purchases and disputed it. They told me although it was disputed they provided proof of the debt and that I still owed. I wasnt able to offer my reason for disputing it and I am asking for your help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Capital One closed my credit card account which cant be done. I am the entitlement holder over the account and securities and financial assets Capital One has in the possession. I demand my account be open and unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On or around XX/XX/2019, I mailed a letter to Experian requesting that they update my credit report to include my current address. I requested that Experian mail me a letter confirming processing of this request. I also asked Experian to mail me a letter if any further information and/or documentation was required. 

As of today, XX/XX/2019 I have not received a response from Experian. 

I am attaching a copy of the letter that I sent to Experian to my complaint.

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 2023-03-28
Company: Westlake Services, LLC
State: IL
Product: Credit reporting, credit repair services, 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:
Westlake financial took my truck but closed the loan in my credit report I put {$15000.00} down for that pickup truck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 

XXXXXXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was aware of some suspicious activity on my account. I notified them. They said that I have nothing to worry about. A month later 9 or more transactions unauthorized happened in my account. I then notified them. They seemed uncaring and unbelieving. Multiple times I have went to them only to get pushed aside again and again. My account is negotiative and still active and me still unsure how to proceed.

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 2023-05-02
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  Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2018-02-07
Company: TD BANK US HOLDING 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:
On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.

Company response to consumer: Closed with monetary relief