BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: NJ
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:
Have been disputing some accounts since XX/XX/2020. These items are inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile. Experian has failed to remove the items or respond to my last dispute.

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 2021-02-22
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I applied for a job with Glasser & Glasser P.L.C- I submitted a credit check for employment purposes only. I was offered a job with the company making {$14.00} hr. On XX/XX/XXXX, I sent the background form for Glasser & Glasser P.L.C to only use for employment. After running the background, on XX/XX/XXXX, I was sent a collection notice from Glasser & Glasser P.L.C as a collection notice for XXXX XXXX XXXX, ( that I had at a different address ) sent to the address I applied for the job at Glasser & Glasser P.L.C with. On XX/XX/XXXX, I sent a certified letter to cease all communications in regards to the above style case. Returned green card was returned as proof of their receiving it. Thirty days later, XXXX XXXX XXXX, from Glasser and Glasser P.L.C mails me, at the address provided for employment, not the alleged debt address, a letter and copies of statements from Capital One, violating the Fair Debt Collection Act 804 subsection C in regards- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
On XX/XX/XXXX, I received ( again to the address given for employment purposes ) A Warrant in Debt, filed by Glasser & Glasser P.L.C in General District Court of XXXX XXXX, Virginia. Hearing set for XX/XX/XXXX at XXXX. 
Attempted to settle any alleged debt with the original creditor is referred to the third party collections of Glasser & Glasser P.L.C who illegally obtained this alleged debt in the purpose of offering me a job with them. No other notice was sent to me prior to filing my background report for the purpose of employment. To me this is a ponzi scheme, as the offer for employment was rescinded by Glasser & Glasser P.L.C. I feel this is a illegal way to obtain a alleged debt, by falsely offer employment then take it away when they obtain a debt on your credit report. And violating the Fair Debt Collection Act in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: PNC Bank N.A.
State: NJ
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:
I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX  that I did not order the wine. The wine was returned to the shipper. 

XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed at the end of last year that I had a series of false debts on my credit report, that collection agencies are attempting to collect from me. These debts all occurred around the same period of time. The 3 companies are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
I was able to call XXXX and ask them specifically what info was in the account and I ended up finding out that my older sister had used my name SSN and DOB to get cable at her apartment. They said If I were to file a police report and give proof of report they would remove debt. I filed a police report and before turning it over to them I noticed they were nice enough to have already removed it. # SOLVED The XXXX XXXX was previously a XXXX bill apparently. My sister or also is the culprit for this as well. I've never had a phone in my name by XXXX. I attempted to dispute with this XXXX XXXX XXXX through XXXX and XXXX, letting them know of the situation with XXXX and stating that I have been a victim of identity fraud by my sister. They didnt even attempt to contact me or look into anything. # UNSOLVED I'm tired of them trying to get me to pay for this when someone took my personal info and breached my personal information. I feel violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs XXXX credit cards, Bank of America accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.

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 2018-04-03
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has furnished a closed account to my profile without my knowledge and has no authority to access or posses my personal identifying 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 2019-03-10
Company: Netspend Corporation
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Negative Balance Notice-Action Required XXXX  XXXX XXXX  XX/XX/2019 XXXX XXXX   Inbox To : XXXX ; Dear User, We wish to notify you that activity on your card account has resulted in a negative balance on your account for XXXX consecutive days. You may be required to resolve the negative balance to continue using your account, and you may be prevented from opening future accounts that are managed by NetSpend. 

Please fund your account as soon as possible so that you no longer have a negative balance. 

Sincerely, Your Customer Service Team

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 2018-10-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A few weeks ago I request my sears card from citi bank be re issued due to the card being lost and the representative told me they couldn't issue me a new card because my account was delinquent and I had to pay off the entire balance before I could a new card and today it was near impossible to close that account after paying it off, the rep tried to keep me as a customer which I understand working in a bank myself. But he mentioned if I did close my card he couldn't send a complaint since I expressed my frustration about the previous rep who answered the phone, after telling him I still wanted my account closed his attitude went from nice to annoyed and closed the account then hung up the phone.

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 2017-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX/XXXX/17 I applied for a Capital One secured credit card, in an effort to build up my credit. They required a {$49.00} deposit, in order to get a {$200.00} credit line. I made the deposit online, and gave them my email address.
Days went by and I received no email notification for my payment.
I received a piece of mail from them, saying my card would be coming soon, and if I have n't made my deposit payment yet, to do so online.
So I figured the first deposit never went through.
On XXXX/XXXX/17 I made a second deposit, thinking the first one was lost in the ether.
Turns out both deposits went through, the first one gave me a {$200.00} credit line, and the second deposit gave me {$49.00} additional credit.
I called them to say this is ridiculous, and is essentially theft. I overpaid them by {$49.00}. That money should either be refunded to me, or go towards a future bill. But after two long calls, with lots of " checking with other departments '', and being placed on hold, they flat out refused, and said they would pass on my information to their supervisor so as to improve their process in the future.
I told them I was very unhappy, and this is a very bad start to opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I first discovered the fraudulent charges I immediately contact XXXX XXXX  as required. I completed the required dispute form and emailed it on XX/XX/XXXX ; 1 day after I received the form. When I called to report the fraud I was told by your agent that the money would be returned and not to worry. I was also told that the two XXXX and XXXX charges were pending and would be reversed. I have yet to have this money credited and now that also is in dispute. Please listen to the call if you need to verify this information was told to me. As I told the representative I do not drink coffee or tea and very rarely visit XXXX ( see account history ) I also do not have a XXXX account that can also be verified via my account history as well. The XXXX account is clearly not in my name/address and I am requesting the name and account number and all information you have on this account. I am not familiar with your internal policies or procedures but this issue has caused a tremendous financial burden on my family. I relied on your representatives to provide true complete and accurate information. Why couldnt this charge be reversed in a timely fashion as I was told? 
The other charges should have a video proof that I did not make the withdrawals and/or additional purchases. I am not familiar with most of these places but I do not use the ATM when there is a fess to get This information was requested on XX/XX/XXXX and to date have not been received. 
I called on XX/XX/XXXX and talked to another representative who told me to follow the instructions in the letter to have the disputes reevaluated. However, the letter does not state this is the procedure? How can we as consumers navigate the system when your representatives are giving different instructions than your written correspondences? 
Also, the Federal Trade Commission states that under the federal Electronic Fund Transfer Act that I would not be liable if I notified you within two business days after you realize the card is missing. I did notified you in less than 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate 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 2020-05-14
Company: EQUIFAX, 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with identity XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX   XXXX {$5000.00} XXXX/XXXX  XXXX {$800.00} XXXX  XXXX  XXXX {$5100.00} XXXX/XXXX   XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax has not validated the dispute legally completely. I have submitted numerous letters asking for validation and or supporting documentation/signed signature indicating the owner of this account. Equifax has neglect to submit proper validations besides the wording valid. I spoke to an supervisor by the name of XXXX id # XXXX who advise equitable has submitted a response of XX/XX/2018 that it is mines. I ask her what information was verified to confirm validation. She said they just said it is my account and Equifax do not have to validate or support with any documentation even with a letter indicating request. I attempt to ask what information was verified she stated she is unaware and Equifax do not have to provide any information to consumer even though I answered all the security questions. Requesting to remove as Equifax has not yet validated this fraudulent account per my written request with statutes attached. Please see that confirm XXXX only removed the remark of the re-investigation that has been placed on my account since 2018. Also XXXX report shows the account was under re investigation but was never fully investigated by law completed. XXXX who the account was sold to could not validate this account with any supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
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:
payment showing on closed account paid in full

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 2019-03-10
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
Transunion has recently changed an account ( XXXX department store ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now transunion has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. Transunion keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong 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 2020-05-24
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 filed a dispute with credit bureaus, spoke with the company and they will not provide me any information why they will not take this off. In addition, they provided information to the credit bureau that they knew was false as they told me I had spoken with them, which I had not. I have tried multiple times addressing this was my previous deceased husband who leased an auto, forged my name and was fraud. The company says they do not have to take my dispute information and that they will not remove from my credit. I have filed police reports, showed erroneous information that they provided to credit bureau and advised the credit reporting places that the information is wrong and provided them documentation.

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 2021-11-03
Company: EQUIFAX, 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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: ERC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection letter from ERC, XXXX XXXX XXXX, XXXX, FL stating amounts owed from XXXX XXXX XXXX service. I canceled my service with XXXX XXXX XXXX over a year ago and paid total balance due at the time of equipment return. I have notified ERC that I paid the total balance due at the time of equipment return and sent them billing statements and receipts to show that the account had XXXX balance. Yet they continue to send letters stating {$150.00} is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sold counterfeit coins by a XXXX company that operated under several names and was advertized on XXXX and the money was taken in by paypal. I will include police reports and an IC3 form detailing the dollar amounts. PayPal at first offered me a system by which I could get a refund and refunded one of the shipments and then led me on a wild goosechase through there messaging system ( which they said was the only way they could be contacted, so i was never able to talk to a real person although I requested this multiple times. They said they would do it, but then refused. They wanted me to ship the coins back to the counterfeiters at my own expense and wait for a refund from counterfeiters. I refused to do this as it is against the law and two of the coins if real had a {$40000.00} plus value. In addition although I was in contact with paypal daily, reported this to XXXX which was running the ads, the police department, the FBI and the Secret Service, they are still running the ads and operating the same scam.

Company response to consumer: Closed with explanation