BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all Capital One accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXXy XXXX and XXXXXXXX XXXX XXXX   XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am currently trying to purchase a vehicle and have security freezes on my credit with all three reporting agencies. I used the Experian website yesterday ( XX/XX/19 ) to lift my credit freeze temporarily and the site indicated this was successful. The dealership was still not able to access my credit score with Experian. I checked the website again today ( XX/XX/19 ) and it indicated that the freeze had been lifted, but again the dealership could not access the score. I called customer service and the agent said that he found the issue and would submit a form correcting it in 3-5 days. When I asked what the issue was he refused to tell me, saying it was nothing to worry about and would be fixed soon. I asked if it had to do with fraud or something that would impact my credit score and  he said it was something to do with a lender, but refused to say more. I asked why he could not tell me given that is pertaining to my credit information. He said that it was due to the policies of Experian. I think it is very troubling that Experian refuses to grant me information about my own credit record. This is my information, not theirs, and I can only think that they are trying to hide someone's mistake. These reporting agencies have far too much power and little competition. I have no choice but to allow them to have my personal and important financial information, but if I did have a choice I would revoke access from companies that do not protect my information or are not providing me full access and understanding of what is going on with my credit.

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 2021-12-02
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of IQ data international has called me repeatedly over the last few years threatening that they will ruin my credit. Harassing me about a large lump sum of money I dont owe them. Threatening to call my employers and family members to retrieve money at all costs. Ive seen stories from others on how harassing and vile she can be. Ive asked to be transferred to someone else within the company, a manager or ANYONE else, she just snickers and talks down to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX i seen some accounts on my credit report from a company called CMRE account number XXXX and XXXX and noticed that those these 2 accounts did not look familiar to me so i contacted XXXX  and XXXX  and they removed the accounts. I look at my credit again and the same accounts are appearing once again. These 2 accounts are fraudulent and need to be removed from my credit immediately. i do not owe no medical bills i have not been to any doctor in XX/XX/2020. Please see attached Identity theft victims complaint Affidavit and California drivers license to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a fraud text from my bank for a charge of {$37.00} on my credit card and was provided a fictional PayPal number and the name of a business, XXXX XXXX XXXX. The number provided was XXXX. I called and was asked to verify my last XXXX ssn which I lied about and was put through to an operator. I refused to give her any other information and just wanted details about the company. When she wouldnt provide any, I told her I would block the charge and delete my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Around XX/XX/2017 I realized that someone I did not recognize sent money to my account, it was about between {$100.00} and {$200.00}. I am not sure when it started but as soon as I realized it I called my bank and asked them to return it as I do not know who it is coming from. I was told by my bank that there is nothing they could do on their end because they don't know who it was coming from being that it was a email or mobile transfer. The agent even joked saying its free money go ahead and spend it because there's nothing they could do about it. I was the agent to block whoever it is coming from so that the issue doesn't persist and to file a claim. After this I was under the impression that this issue was rectified not knowing that this person was still sending me money on a monthly basis totaling {$800.00} after a year. I was contacted by the claims department because someone filed a claim because they have been sending money to the wrong person. I explained what has been going on to the agent doing the claim and she said that she would contact me but none did. The bank went ahead and took {$800.00} out of my account leaving me overdraft without notifying me or getting permission. The agent noted that I gave her permission to take the money out because I do not know the sender and we did not have that conversation. after I told her the situation, I was told that she will contact me back. when I called multiple times they were rude and not trying to hear out the situation. The last lady informed me that I should have been aware of this and not spend the money and I called last year to file a fraud claim which was denied because I cant file a fraud claim for receiving money even if it is from someone I don't know. I told her that I wasn't aware that the claim got denied and I was not aware that this person was still putting money in my account in small amounts monthly, she insisted that I should have paid attention and not spend the money and hung up.

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 2021-11-08
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX received a letter from Umpqua closing my account within 10 days. Vice President and Assistant Manager are discriminating and talking about clients with other customers and sharing my private account information as an ex employee with other employees in the branch. They closed my account without 30 day notice all because they dislike that I dont work there anymore. I readily used the account and last transaction was XX/XX/XXXX when branch manager from other location was informing me of all the issues still involved with employees still employed at Umpqua. I left the toxic work environment and now she has closed my account because of it. The work environment and banking environment is lacking structure and management.

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 2021-07-15
Company: ALLY FINANCIAL INC.
State: FL
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:
Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Ally finance. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. XXXX XXXX  was the only company that said they will send an email to XXXX  stating that I did not give them permission to run my credit but XXXX  says they never received anything.

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 2020-10-09
Company: Medical Data Systems, Inc.
State: UT
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:
Medical Data Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to 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 2021-11-08
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: Information belongs to someone else

Complaint:
I have disputed multiple times on incorrect items that are on my credit report with XXXX, Experian and XXXX and it has taken well over 30 days of me not receiving any investigation results.

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 2021-11-08
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:
I have disputed multiple times on incorrect items that are on my credit report with XXXX, XXXX and Transunion and it has taken well over 30 days of me not receiving any investigation results.

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 2017-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}

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 2021-04-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
WHEN I SPOKE TO THIS COMPANY XXXX THEY PROMISED ME A PRODUCT THAT THEY INFACT DID NOT KEEP THERE WORD. I PAID THEM XXXX ON XX/XX/13 BY DEBIT CARD AND AFTER PAYING THEM THEY DID NOT ANSWER MY CALLS NOR RETURN MY PHONE CALLS. I HAVE TRIED TO LET MY BANK KNOW THAT THIS COMPANY WAS A SCAM BUT THEY SAID THAT THERE WAS NOTHING THEY COULD DO. THIS COMPANY WAS A SCAM THEY FRAUDED ME. I NEED MY MONEY BACK. PLEASE HELP ME

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 2018-01-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018, I received a letter from XXXX XXXX XXXX   stating that they were trying to collect a debt of {$750.00}. They have the wrong person. I have never heard of the Creditor, they spelled my name wrong and they have the wrong middle initial. This happened a few years ago and I simple called them and explained they have the wrong guy. 
So I thought I would do that again. Big mistake!!! Calling their # sends you to some kind of phone XXXX site. Now they have my # and call 3-4 times a day. 
Their # is XXXX Can you make them stop?? 

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