BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, 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 2019-06-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been communicating with my bank, XXXX, because paypal has been making unauthorized withdrawals from my account. XXXX took care of this fraud and had the money returned. 

They also notified me on XXXX XX/XX/2019 that paypal had set up a " recurring monthly charge '' of over {$400.00} from my XXXX acount WITHOUT AUTHORIZATION OR PERMISSION. XXXX has set up an automatic debit stop payment since I never, ever transferred money TO paypal from my account. 

I did not know paypal had done this. I never gave them consent or authorization to take money from my XXXX account. Because XXXX has restored the money fraudulently taken and put a stop payment on them, paypal is trying to say I owe THEM money and my account with them has a negative balance! 

This is wrong since I had about {$160.00} in my paypal account BEFORE they tried stealing money with the unauthorized automatic debit. 

I have tried repeatedly to get someone assigned to this matter to communicate with me to resolve it, and paypal has steadfastly ignored my every request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: CA
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:
Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about 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 explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXXDEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: RI
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
No action was taken no one wanted to work with me on a payment arrangements even when some of these accounts on my records were made by someone else I even know that one person that used my name for something is deceased but I have no proof so nothing can be done so I’m stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have been trying to dispute inquiries on my XXXX, Transunion and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.

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 2019-08-29
Company: AFNI INC.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. 
Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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/2021, someone logged into my bank account and scheduled two bill payments to 1. XXXX Credit Card Bill Payment ( not mine and not sure whose ) - {$4900.00} ; 2. XXXX XXXX XXXX Payment ( not mine and not sure whose ) - {$4900.00} ; 3. There were not enough funds in the primary checking account, so Fraudster transferred {$5000.00} from Savings Account and another {$2000.00} from another checking account to the primary checking account.

These ( Bill Payments ) were paid out on XX/XX/2021. 
When I saw these Transactions on XX/XX/2021, I immediately called the Bank and disputed and filed the claims, and kept accounts on Hold. 

Bank never communicated back until I called back on XX/XX/2021. On this call, they mentioned that the Claims were denied as transactions were made from the same device that other transactions were made. And the Representative mentioned that he will send the detailed report in the regular mail, which I never received till now, but they have sent a simple report on XX/XX/2021 via email upon my continues requests, in which it states that Transfer completed by the same device and not being disputed as fraud. with some transaction details with IP Addresses and some other random generated IDs. Customer Reps from the Fraud department were not able to explain that report clearly nor report statement is correct. But I have looked through all those transactions, IP Addresses, and random generated IDs upon looking at those details, there is clear evidence that all Fraud Transactions were made on XX/XX/2021 and XX/XX/2021 as I explained at the beginning of this complaint, and those IDs and IP addresses are different from the regular transactions. 
Having said that, based on the transactions and login details shown in the letter all the fraud logins and transactions were done on XX/XX/2021 and XX/XX/2021 which are not done by me or from my device or my network. 
Please help me to get these funds back to my account from Bank. 
Please let me know if you need any additional 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 monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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:
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
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

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 2023-06-04
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My younger sister went to the XXXX XXXX XXXX store back in XXXX to return an XXXX as she was switching over to XXXX XXXX XXXX. The employees there took the phone, closed her account & told her she can go without giving her a receipt. She asked for one and they told her she does not need to worry about that. That is where the problem started. 

had to go to XXXX in XXXX because of an overcharge made to my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ) and was told by an agent on the phone that the XXXX was never returned & that I owe {$720.00}. I told her & it was been returned & that the associate stated there was nothing due on my account. I was also told that matter was resolved & it would not affect my credit so I do not need to worry about anything. 

Fast forward to a month & a half ago : my younger sister contacted XXXX in regarding her old phone number ; the agent assisted her but then stated there was a balance for the XXXX  once again. We both told the agent AGAIN, that matter was been resolved. She ( the agent ) said she will remove the amount from the closed account.

Yesterday I checked my mail & see a letter sent by Source Receivables Management that my XXXX account has a balance of {$780.00}. 
I am very frustrated as I have been told multiple times that the amount of {$720.00} was removed, & the fact that the phone was returned ( which was REQUIRED in order to close the account ). I would like for this issue to be resolved as soon as possible. 

I also see that this is very common with XXXX still charging previous customers for phones that have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX XXXX has repeatedly called my place of work, home and even my father and step mothers home. They told my step mother that I was getting ready to be sued for a debt and that they needed to tell them where I was. I finally got in touch with them, did not understand the debt, or remember the debt specifically. I asked them for proof of this debt and they stated they did not have to give this to me, because the name of the company seemed familiar and I was being threatened I agreed to be on a payment plan. I have made payments and have only 2 left and was unable to pay these last 2 due to COVID, these people are now calling my place of employment threatening me to call my boss, calling me and when I answer, this women keeps saying.. oh OK, just wanted to see if you were at work and then they hang up. I have told them DO NOT CALL THIS NUMBER AGAIN, it's my place of employment and it's a call center I can't receive these calls here. I am in California and I am told they must send me proof of any payments I have made within 30 days and I have NEVER received anything from them other than threatening calls. NOTHING BUT THREATS.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim ( claim ID : XXXX & claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX 2 XXXX ) that was cancelled because of not having a valid ID. 

I paid {$1800.00} plus a {$16.00} ; and {$1600.00} plus a {$16.00} service fee to XXXX, and received no service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$42000.00} ; XXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$34000.00}.

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 2023-06-04
Company: Support Collectors, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX had no knowledge of this debt from a summit collections account. Summit collections have not called my phone one time. This is illegal debt and identity fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$280.00} ATM Withdrawl - XX/XX/XXXX - {$240.00} ATM Withdrawl - XX/XX/XXXX - {$2500.00} ATM Withdrawl - XX/XX/XXXX - {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These accounts were opens fraudulently and the bureaus keep validating accounts that stem from identity theft. This is unlawful and unfair to be victimized, these accounts are not mines. I know my rights under section 605b and section 609 of the FCRA. 

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 XXXX XXXX XXXX And this is not my address delete it XXXX XXXX XXXX XXXX XXXX CA  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 2021-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- Failed to complete money transfer from previously verified, utilized and valid account. 
- Erroneously charged a Returned Item Fee - Harassed and threatened me - Failed to acknowledge that I was not at fault and refused evidence to prove their error.

See Attached Documents for Details and Evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation