BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: CO
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 submitted MULTIPLE disputes and information IS STILL INACCURATE. they are reporting higher balances than they are and reporting inaccurate after it's resolved. XXXX  XXXX sent check for {$670.00} is not balance of XXXX and was paid off by bank 3 wks ago. XXXX  XXXX was paid off even though it is still in dispute for XXXX.. I HAVE NEVER HAD A BALANCE EVER FOR XXXX  XXXX FOR XXXX!! MY CREDIT ALLOTTED BALANCE IS XXXX AND XXXX ON 2 CARD. I HAVE NEVER BEEN AT A BALANCE OF XXXX EVER IN 4 YEARS BEING WITH THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Manhattan Beach Venture, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an " offer '' from a company ( I forget if it was a direct call, or web ad, or mailer ) that offered to setup a payment plan to repay my student loans. The company stated that after paying a minimum balance, based off of my income, after 8 years the rest of the student loan would be forgiven, as part of a student loan forgiveness program with the US Government. 

Opting for this, I setup a monthly payment with XXXX XXXX XXXX XXXX XXXX, speaking with XXXX XXXX, to pay {$46.00} a month. I signed a contract and sent a VOID check to take money directly from a bank account. Every month I received an email stating that these transactions had been made and that things were going well. For four years they collected payments from me monthly. 

After receiving a call about my student loans that no payments had been made, I began to look into XXXX XXXX XXXX. I couldn't reach any of their phone numbers nor emails as they had all been disconnected. They had taken my monthly payments and no payments had been made to my {$30000.00} in student loans.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/XX/2020

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 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XX/XX/2021 : Bank of America added incorrect remark

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 2021-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The company withdrew XXXX sent it to somewhere without letters no me know where leaving me a balance of XXXX they have been holding my money since XXXX I been calling they will not give no explanation for what they are doing I called again to get my remaining balance and close my account they still will not do this I need to know where my money went also I need access to my funds this has been a battle with capital one bank since early XXXX this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: FL
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:
THE PAYMENT HISTORY SHOWING ON THIS ACCONT IS ABSOLUTELY INCORRECT. I NEVER WENT TO COLLEGE, I NEVER HAVE HAD A STUDENT LOAN AND I HAVE DISPUTED THIS SEVERAL TIMES OVER SEVERAL YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Did a search for help desk number for PayPal. The search led to a site with XXXX number. The person posing as a help center for PayPal, asked questions that seemed legitimate. Then tried to get me to pay fee for a credit card that was supposedly taken out through my PayPal account. The following was a text that they sent me : Thank you for calling Paypal Support. We really appreciate your time & patience with us. XXXX XXXX XXXX  is XXXX. 
Call back XXXX. 

XXXX XXXX, XXXX XXXX XXXX Thank you, Paypal Support. 

XXXX additional number they used. 

They hacked my PayPal account and tried to get funds out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These were Medical records that both collection agencies failed to validate and didnt honor the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Suite XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. 

I verified mailed letter was sent to XXXX XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This issue is been going for quiet some time. 
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect. 
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved. 
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX. 
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}. 
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: HSBC NORTH AMERICA 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:
Hi, my name is XXXX XXXX XXXX I am having a problem with HSBC bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in XXXX  where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NOTICE A ALLEGED DEBT FROM PHOENIX FINANCIAL SERVICE FOR THE AMOUNT OF XXXX $ THAT I DON'T OWE ON XXXX HAVEN'T HEARD FROM THEM OR RECIEVED ANY INFORMATION THAT I REQUESTED.I HAVE ATTACHED A COPY OF THE LETTER BELOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Sequium Asset Solutions, LLC
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:
I received a call from XXXX stating that I had {$1800.00} debt owed. As my credit score is over XXXX I was sure this was a scam, and when pressed on who I owed this debt to they simply said they would remove me from the call list. This was clearly a fake call and scam attempt. It is scary that these scammers exist and are calling old people in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Law Office of Brett M. Borland, P.C.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXXXXXX XXXX XXXX -no action taken XXXX XXXX XXXX XXXX  handed collection over to Law Office of Brett M Borland , P.C . located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a XXXX transact card onor around XX/XX/2021 i put XXXX dollars on it and when i tried to activate it they told me they closed my Account becaise of frsud on a previous acvount. I told them i never had an account and they ignored me and tokd me id get my money in so long 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 2021-03-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reported to synchrony XXXX in XX/XX/2020 after looking at my credit report after I found out all of my information had been breached and several accounts and hard inquirys were done without my consent. An FTC report and a police report were both reported and made in XX/XX/2020. I have reported it them as well and submitted all documents asked for. They asked for no further information. XXXX has taken this off of their reporting agency. While PayPal had no contact info to me relating to this account and refuses to close the account and label it is fraud. All I know is it is less then {$800.00}. I never received statements and I never paid for a bill, I only learned about while looking at my credit report in XX/XX/2020 and at that time the account was only 30 days late.. so i asked them who had been making the payments on the account since it was me and at the time they stated, they could not give me any information regarding the account because they can not verify me. I have made numerous calls now, as experian has taken off of my credit report as identity theft, but because commeninty XXXX is not closing the class it still reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MD
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:
To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was made aware of fraudulent transactions after being in the hospital for a severed finger. I had been unable to check my bank account online due to no service in hospital and when I was released I was made aware of these transactions. Then I made a note and went over all receipts and there were multiple unknown transactions after I had used the fuel pump and got gas. Three online two in stores and one manually entered. I called the bank and notified them. Three days later they called saying they were suspending my debit card use for 12 months for protection due to my past disputes from my soon to be ex husband who I have not given permission or allowed to even be near me cause he wrote bad checks and stole my debit card multiple times. Then the next day they closed my claim and stated that no signs of fraud were made aware. Then when I tried to escalate it they told me there's nothing I can do even if he somehow stole it or someone else did they knew my pin and had my card which I believe I had but I was also in hospital and unsure of placement of items. The dates were XX/XX/XXXX for the amounts of XXXX XXXX XXXX  XXXX XXXX XXXX 's XXXX tracsup 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 2022-08-12
Company: Experian Information Solutions Inc.
State: NJ
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:
This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.

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 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
During this XXXX, when I went XXXX XXXX XXXX for car battery which was under warrenty and the auto shop worker confirmed me that it was under warrenty before I move the car to them for exchange this parts. 
However, late I found it was in my credit card bill, amount {$110.00}. XXXX XXXX XXXX XXXX fake on my receipt by put wrong plate number and fabricate charge such for food grocery ... ) immediately and I started to talk to XXXX XXXX, told them the truth, they issued charge back, but then one month late XXXX XXXX re bill to my account, I then went to local office of XXXX, submitted addition support of warrenty sticks by fax .. 
But dispute dept of XXXX XXXX changed my original claim number so that is the trick dishonesty to customer, by doing so the dispute dept guy Pretend not see my evidences a/o disconnected my submitted document Logically, so as result, they pretend not see the solid reasons of mine, And often they disguised not to received my supporting evidence. 
By the way, as I also contacted headquarter of XXXX. on early XXXX A higher lever managed told me they ( XXXX issued credit to me after Knew the auto dept cheating ), I asked XXXX, why change my XXXX number You know what I mean. correction?

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 2021-04-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called to Barclays apple card to make a onefull payment and end monthly payments I want pay all since last 4 years ago but they said no to me they denied it. Im still paying me minimum monthly payment that it is all for interest i will never end to pay XXXX became in XXXX when i called them they was very un respectful with me they told Sir man fella also they use you have a trans voice man I feel denigrating every time I call them when i got the card i was paid a insuranse cuota saying if me lost my job they paying monthly minimum but they denied it too. 
they have m 5 years charging to my bank of American saving account minimum payment with out my permission i had to pay XXXX dlls but they charge my 99.99 % of montly mayoent to interest and I still having the XXXX to pay in my Barclays card. The account was closed with out concert my card was loccked but not my payments since 5 years ago they told me cause security reason they said they can trust in a women with a man voice they said that cause they sure i have man voice I never miss a payment they always taking the money from the women they said having a man voice bank account since the last 5 years in that moment when they receive the payment they doesnt think im a man rigth? 

Im denigrate Im insulted they broken my right they still my time and my money i need help to stop this

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 2017-11-06
Company: CITIBANK, N.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The hard inquires on my report I did n't request for them, have n't tried to receive no line of new credit, from credit cards are car loans are nothing like that I have over 10 inquires, have no clue where they came from,

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 2017-11-06
Company: EQUIFAX, INC.
State: NY
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:
List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a couple of accounts that do not belong to me on my credit reports. Please 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