BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a police report of a burglary which resulted in my identity theft back in XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge from XXXX appeared on my Capital One Visa credit card in XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018. I reported the charges and they were refunded and my card was canceled and I was issued a  new card. In XX/XX/XXXX another new fraudulent XXXX charge was added to my new credit card. I called to complain, they explained that the " updater services '' they provide, give the fraud account the new credit card number automatically and that's how they got it. They canceled my 2nd card, and issued a 3rd card. Capital One put a block on the merchant, apparently preventing them from making any new changes on my cards. Now for the month of XXXX, there is another pending charge from XXXX on my 3rd card and the cycle will continue and there's nothing I can do about it. I also called XXXX to inform them of the fraud and they did nothing to help me, because I can't give them the account number for an account I didn't create. How can any of this be legal????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation. 

I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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:
Collection account from XXXX XXXX XXXX in the amount of i {$640.00} appearing on my 3 credit reports under the name XXXX XXXX, which I have never been known by. On XXXX, I disputed the account and Experian closed the dispute stating that the account remains unchanged. I contacted the collection agency and requested information on the account, which included a letter showing that there is no balance to report. On XXXX, I provided additional information in response to Experian, which included the letter from the collection agency, but again the dispute was updated on today XXXX as accurate with a now past due balance of $ XXXX.Experian has failed to investigate and review the documentation that has been submitted proving that the account should not be reporting on my report and should be deleted.

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 2019-01-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 


1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX  that follows. 
2. I'm watching my balance as I'm selling things on XXXX  because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 
3. Paypal notifies me by email that an XXXX  buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 
4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. 

The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 

5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. 

Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. 

I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are fraudulent and unauthorized transactions listed on my account that arent mine, and dont belong to 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 2017-08-04
Company: EQUIFAX, INC.
State: AL
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 made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   of f my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX  , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

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 2020-06-25
Company: CITIBANK, N.A.
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:
Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or XXXX  has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.

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 2020-05-09
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been receiving call regarding this account.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Trans Union, XXXX, or XXXX has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with Trans Union, XXXX, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2018-03-01
Company: Santander Consumer USA Holdings Inc.
State: OR
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:
Complaint number XXXX - Santander is absolutely lying and the CFPB has absolutely done nothing to help. First of all, the information in their response has nothing to do with the complaint, or very little ... THEY ARE ONLY REPORTING NEGATIVE INFORMATION WHICH IS ILLEGAL AND THE STATUS OF THE ACCOUNT IS INCORRECT! My credit reports show an open account with ONLY NEGATIVE REMARKS. Here is a confirmation number from an unanswered dispute/investigation from XX/XX/2017. XXXX. This dispute/investigation has yet to be answered by them and simply because of this, the account and its remarks need to be removed from my reports. The account is not open, and they can not ONLY REPORT NEGATIVE INFORMATION. IT IS A VIOLATION OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX I noticed a delinquency on my credit report from Santander. I purchased a car from XXXX financed by Santander on XX/XX/XXXX. The payments were supposed to begin on XX/XX/XXXX. I'm in the process of moving and despite having mail forwarding set up with XXXX I didn't receive a bill or mail of any kind until XXXX when I received a bill dated XX/XX/XXXX for {$270.00} ( {$260.00} Due + {$6.00} Late Fees ). I contacted Santander, paid the bill in full immediately, and asked why I wasn't contacted sooner. I was told that the phone number Santander had on record for me was XXXX digit off from mine and that they had tried to send mail previously but it was returned. Santander refused to remove the credit delinquency. I don't understand why they would report this against my credit when they incorrectly recorded my phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: CORELOGIC 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:
XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.

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 2019-11-17
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: Information belongs to someone else

Complaint:
Not my account

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 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XX/XX/XXXX : Found a derogatory statement from XXXX Bank. Stating that I owed money of approximately {$1000.00} on an account that had been added to a Chapter XXXX bankruptcy in XXXX. According to XXXX Bank they were never informed of the bankruptcy. I contacted Office of the Comptroller of the Currency and informed your XXXX XXXX XXXX Bank refusing to remove the debt from my credit reports. On investigation by the Office of the Currency, XXXX Bank removed the derogatory statement and sent me a letter of apology. I found out on XX/XX/XXXX that the derogatory statement stating that I still owed XXXX Bank money was re-instated on my TransUnion credit file. I contacted XXXX Bank and was told that no one was sure why this had happened. I checked with TransUnion and the derogatory statement remains. 

XX/XX/XXXX : Found a derogatory statement from XXXX Bank/XXXX XXXX for {$300.00}. It had not appeared prior to this date. This account was also discharged in Chapter XXXX bankruptcy in XXXX. On calling XXXX Bank I was informed that XXXX Bank did not know who the creditor was that had added this derogatory statement to my TransUnion account even though I informed them that XXXX Bank had done so. They refused to listen to my complaint on my informing them that the debt was discharged through a Chapter XXXX bankruptcy in XXXX. Their response was that I contact the creditor who placed the statement even though I informed them that they were the ones that did so.

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 2019-01-25
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Omega RMS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX 

XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. 

XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.

Company response to consumer: Closed with explanation