BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  are reporting unverified information on my credit report on this Capital One Bank # XXXX and the below creditors and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US Dept of Ed/XXXX # XXXX Us Dept of ED # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Paypal Executives, I feel frustrated and powerless with the bad experience I've had when contacting a PayPal agent in XXXX. 
These people are dedicated to extorting customers with falsehoods and slander, damaging customer accounts. 
The Agent named XXXX from the call center in XXXX, I spoke at XXXX XXXX, placed a permanent limitation on my account in an abusive and arbitrary manner. 
Reference ID : XXXX XXXX I needed help resolving a payment I was trying to process and the system wouldn't let me. 
The agent XXXX did not pay attention to my request and arbitrarily he said that the account should be limited. 
I felt so scared and decided to withdraw my money before he limited the account. 
Before XXXX XXXX  my account was perfectly fine. 
XXXX XXXX from the call center in XXXX should not work at PayPal, they are people who do not work for the client. 

Please request the executives to take action on this character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2012 a debt was placed with National Credit Systems Inc for a lease with XXXX XXXX apartments. It is a joint account with myself and one other person ( XXXX XXXX ). This is not our debt we never had a lease with the XXXX XXXX. XXXX XXXX has written a formal letter stating we do not owe this debt and the collection still refuses to remove the debt from our credit reports. I have copies of letters, certified mail receipts, and email correspondence proving efforts attempted to resolve this matter. For over 6 years this incorrect information has been on our credit reports preventing us from getting a place to live and ruining our credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NE
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:
My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

The once again reinsertion of the following accounts XXXX XXXX # XXXX, and XXXX/XXXX  # XXXX proves that Equifax did not prevent these accounts from reappearing on my credit report, nor did they verify these accounts with the original creditors as all these accounts have been either settled, paid in full or settled with a secondary debt buyer to whom the original debt was sold to. I have every reason to believe that Equifax used a secondary consumer data agency to verify these accounts months after they were deleted on XX/XX/2021, as they did not conduct a real investigation in regards to the Fair Credit Reporting Act and have subsequently committed the following FCRA violations : 611 ( a ) ( 5 ) ( B ) ( i ) Inability of CRA to furnish proof to the creditor or furnisher that previously deleted item is certified as being incomplete and inaccurate : or the allowing of the information to be reinserted without verifying its accuracy with the furnisher first 611 ( a ) ( 5 ) ( B ) ( ii ) Failure of CRA to provide consumer with certified tracked proof of consumer receiving notice of item reinsertion with 5 day period 611 ( a ) ( 5 ) ( C ). Failure of CRA to maintain reasonable procedures to prevent item reappearance in consumer 's file.

Equifaxs failure to hence remove these two accounts also constitutes to a violation of FCRA : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation into disputed accounts and delete item from consumers file in accordance with paragraph ( 5 ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information upon investigating items inaccuracy or failure to be verified 611 ( a ) ( 5 ) ( A ) ( ii ) Failure to notify furnisher of disputed information that the information has been deleted from consumers file 611 ( 6 ) ( B ) ( iii ) Failure to provide to consumer a description of the procedure used to determine the accuracy and completeness of the information furnished I am fully prepared to file suit against Equifax for the various FCRA violations listed above ; as I am now owed compensatory damages in regards to 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] I HAVE EXHAUSTED ALL OF MY RESOURCES AND ENERGY TO HAVE THIS ISSUE RESOLVED. Please see the attached documentation on this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting 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 no knowledge or approve this loan called XXXX that's on 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 non-monetary relief
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: FL
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 reserved a hotel stay on my citi card for hotel XXXX XXXX in XXXX XXXX, for the amount of {$1700.00} back in XX/XX/2020. The reservation was for XX/XX/2020. I reached out to the hotel and they promised a refund I have the emails that i provided to citi cards showing the hotel promising me a full refund. In XXXX the reservations department at the hotel stated they were not going to issue the refund because of the pandemic and they did not issue any credit either. Instead they ask that i go through my credit card which is what i did. Citi entered the first dispute incorrectly. They issued it as though i did not like the service and was claiming a refund. WHen in fact the country was shut down due to covid no one was able to fly in or out. I cancelled well within the time frame required. Citi then opened the correct dispute and i have been back and forth with it has been a year later dealing with Citi and there response was the case has been closed the merchant and their bank have declined to give me a refund. So i am out of {$1700.00} no resolution. I am reaching out for your help to get this matter resolved. I feel that they have given me the run around and have not helped me with a full refund. The pandemic was hard on everyone. It is no fault of mine that we were unable to travel. The airlines gave me a full refund. They understood that it was out of my control. Thank you for your help on this matter.

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 2021-08-11
Company: ALLY FINANCIAL INC.
State: NV
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo kept taking money out of my account and kept having security issues. Ended up closing 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 2022-05-03
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect 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 non-monetary relief
Consumer complaint received 2021-02-26
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:
I had late payment reported for my XXXX  XXXX credicard in XX/XX/2020 which i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with XXXX  XXXX card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using XXXX  XXXX credit card since XXXX  2020, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX since XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with XXXX XXXX. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with XXXX  XXXX. so somehow i feel my identity or something is leaked and hacked through XXXX  XXXX which have affected my credit badly multiple times. 
and last two time in year 2020 i was promised by XXXX  XXXX representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XXXX for the due payment reported to Credit beuro in month of XX/XX/2020. 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.

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 2020-10-28
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
PayPal limited my account from sending or receiving funds on XX/XX/2020. They never sent me any notification as to why my account was limited. I reached out to several customer service agents within their company which they didn't tell me a reason why. I logged in to my account with a notification that stated my account balance of {$1800.00} will be held 180 days and then released to me after. On XX/XX/XXXX I received notification from PayPal that someone logged in my account from an unrecognized device, which prompt me to login and change my password. Once i logged in I notice my balance was {$0.00} and it should have been {$1800.00}. PayPal took my balance without notifying me as to why. I called them 3 days in a row and waited over 3 hours on hold just to speak to someone and they told my I violated their agreement but couldn't tell my how or didn't send documentation is to why. How can you take my money and not explain to my why and how? I asked the Agent for her id number and she wouldn't provide it. I asked for a Supervisor and both agent on 2 different days hung up on me. I also asked for coperate office information, email and phone number and i was told the only had an address. This company has created fraud on my account. they never asked my for any documentation to prove my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report shows a payment deferred status with on my XXXX XXXX  account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a credit card with XXXX XXXX XXXX XXXX earlier this year and XXXX XXXX XXXX XXXX told me they could not access my file. They said when they tried to pull my Credit Report they saw " not available '' and there was a " fraud alert '' on my account. Equifax told me there was no " fraud alert '', " freeze '' or " lock '' on my account and that XXXX XXXX should be able to see my account. A few months later I tried to apply for a loan with XXXX XXXX. Again they said my Credit Report was unavailable... they couldn't pull my account. Equifax sent me a letter stating there was no fraud alert, freeze or lock on my account. If my Credit Report is unavailable, I can not apply for any products. Equifax has told me over the phone that the problem is with XXXX XXXX. XXXX XXXX says the problem is with Equifax. I do not agree with Equifax 's response that there isn't a problem as I have had this issue since earlier in this year XXXX XXXX  ) and it is very frustrating. I would like this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email from USAA Bank in Texas on XX/XX/XXXX stating that I will receive a restitution payment of {$180.00} deposited into old USAA account. If I closed old USAA account the consumer finance protection bureau will mail paper check to me. It's now XX/XX/XXXX and I received no check. And, USAA said there is no way to track this. Even though I called USAA XX/XX/XXXX. USAA said too soon to tell as well. Since, my XXXX XXXX apartments in XXXX XXXX, Arkansas stole my Veterans Affairs UPS shipment on XX/XX/XXXX Police report number XXXX filed XX/XX/XXXX. Neither, managers, XXXX XXXX or XXXX XXXX, knew who did this. I need for you to look into this check and send to my newly opened Post Office Box. I'm not receiving mail regularly. I also have a fair housing complaint with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CT
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Account information incorrect

Complaint:
Equifax and XXXX  should not be reporting a collection/chargeoff in addition to being ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account is not in chargeoff status nor is it ( 120 ) days late. XXXX is reporting correctly. I have attached a copy of the Investigation Results from the Florida Dept of Revenue for reference. Please update the information on Equifax and XXXX. It is a violation of the Fair Credit Reporting Act to not report correct information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation