BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to formally file a complaint against Capital One, XXXX, XXXX and XXXX. Since XX/XX/XXXX I have sent several requests to Capital One directly and all 3 credit bureaus on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, which I have certified mail receipts for formally disputing and requesting validation of debt/accuracy of the information they are reporting. For months, Capital One repeatedly sent notices advising " in order to research your request, please send information ''. Information they should already have due to the fact they are reporting to the bureaus that I owe this debt. Requests for last four digits of account number, full ssn number ( which I always provided with each attempt ) Capital One would continue to send notices stating they could find no fraudulent activity associated with my ssn and the account number I was providing. Again, they still have not validated debt/provided an original contract bearing my signature. So finally frustrated with Capital One, I try to dispute with the credit bureaus to see if they could get debt validation. They too would always send updated credit reports stating the debt has been verified and updated on my credit file. I formally requested from Credit Bureaus how they are verifying this debt, if the original creditor can not provide validation of debt. Their response is always verified and updated. It has now been 12 months of back and forth with Capital One and The Credit Bureaus. Violation of defamation has definitely taken place. I would like this debt removed from my credit reports with all three bureaus, as this has caused so much financial stress and hassle on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: KY
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 the items that are not mine and there some items that is still remaining that needs to 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: MO
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:
A balance is still incorrectly on Equifax, has been properly removed from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vehicle that was totaled in an accident. The original lien holder was paid by XXXX and Gap insurance. This left a balance of roughly 2000. I received a letter from Jefferson capital a debt collection agency advising they own the debt and offered a settlement on the account. I received a call from Jefferson capital today and was advised the balance is now over 4k and they offered a settlement of XXXX. They are using deceptive practices in an attempt to collect on the deficiency balance which is not legal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recover is claiming to collect on accounts that have been charged off. There are no charge offs in my name under the claimed origional creditors as they have been paid in full years ago. The only thing that was sent as validation of these said accounts was 2 statements from XXXX of said accounts. That is not validation according to my consumer rights. They do not have any validation nor is any such said origional creditor an any credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Account status incorrect

Complaint:
I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANCO POPULAR DE PUERTO RICO
State: GA
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:
To Whom It May Concern, This is in relation to my XXXX Credit Card issued by Banco Popular de Puerto Rico, account ending XXXX. My annual membership fee was renewed and posted for {$140.00} on XX/XX/2018. My statement closed on the same date. I called Banco Popular and closed this account on XX/XX/XXXX and requested the fee to be reversed. I paid off the balance ( but not the XXXX $ since this was going to be reversed. The reversal shows as posted on XX/XX/XXXX however, after the account was closed and i paid off the balance, the Bank charged {$1.00} ( on XX/XX/XXXX ) interest on the annual fee that was reversed. This fee should have been also reversed as part of the account closure however the associate may have forgotten to do so or maybe there was a system error. In XX/XX/XXXX i was assessed a XXXX $ late fee, in XX/XX/XXXX $ late fee plus XXXX interest charge. The XX/XX/2018 statement showed a balance of {$4.00}. The account was reported as closed with missed payment and my score has dropped over 60 points which hurts my chances of getting credit due to this bank error. 

On XX/XX/2018 I made a payment of the maximum amount i could do ( XXXX $ ) in anticipation of more trumped up late fees or interest charges ... This balance is due to bank error, hence I am requesting my XXXX $ refunded via check and the credit bureaus reporting remediated ASAP to show I have not missed any payments and the balance is XXXX and was XXXX at time the account was closed. 

I have several times attempted to call the bank at the number indicated on the online statements on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  Every time i call and tried to select any of the IVR options none go through ( can not get balance or get to a representative, etc. ). I have emailed my complaint to the email on file at XXXX, however I got an automated email saying to call the general phone number ( which does not work ). I have recorded the calls showing attempt to call to solve this in a reasonably manner, however I need help at this point from CFPB since I am unable to contact this bank ... I have recorded all the calls showing desperately attempting to select any of the IVR options and none would work. 

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 2020-08-25
Company: CITIBANK, N.A.
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:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, XXXX, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and XXXX   monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

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 2020-11-15
Company: EQUIFAX, INC.
State: IL
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 requested proof of ownership of an account from XXXX XXXX from Equifax. this account belongs to a XXXX XXXX and filed in her bankruptcy. however they are still reporting this account on my report with no proof. the amount is {$8800.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Asset Management Outsourcing, Inc.
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:
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Nationwide Recovery Service by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, Nationwide Recovery Service is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, 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:
I allegedly had A loan with A company by the name of XXXX XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and XXXX and XXXX  has --. I reached out to XXXX at XXXX  XXXX XXXX  and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX  branch number XXXX at XXXX XXXX who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX  the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact XXXX XXXX to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
I have a XXXX account on my credit report from XXXX, reported delinquent in XXXX, XXXX. I have never opened this account.I have disputed this account with XXXX, Equifax, and XXXX   and it comes back verified. I have tried reaching out to XXXX and they tell me the account is too old to do anything about, and unless I have the account number they refuse to discuss it with me. The account had a balance of XXXX. After I disputed the account numerous times it now shows {$0.00} balance, but updates {$0.00} dollars with a derogratory statement on XXXX and Equifax monthly. XXXX has a XXXX balance but havent updated since XXXX. I am so frustrated with this situation. XXXX is the worst, everytime I disputed the DOFD was updated until it now shows, XX/XX/XXXX. The other CRAs have the DOFD at XX/XX/XXXX. This is wrong and illegal. Please help me get this fraudulent account off all three CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

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 2019-08-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: NV
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:
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a zero a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. 

I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. 

From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently sent a letter of verification to Experian, XXXX and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported 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 2021-03-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My complaint is against PayPal. 

They have permanently closed my two PayPal accounts on XXXX-XXXX  on XX/XX/XXXX ( reference ID : XXXX ) and are holding {$4700.00} and {$2700.00} for over 180 days. On multiple occasions, customer service assured me that the money would be released after 180 days. Not only did they not release the money after 180 days, the transaction page indicates that both accounts had the money transferred to PayPal account, without notification. The first transfer was made on XX/XX/XXXX ( transaction ID : XXXX ). The transaction on the second account was made on XX/XX/XXXX ( transaction ID : XXXX ). Both transfers were due to " PayPal 's damage caused by Acceptable Use Policy violation ''. There was a prior notification stating that I would receive an email on how to access my funds after 180 days. The email was never sent to me and both my accounts indicate a balance of {$0.00}. 

Thank you, XXXX XXXX. 

Please see below : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call today for the first time about a very old debt that Im not sure of. The Company is XXXX, XXXX XXXX XXXX. The lady claimed I had a charge off from Wachovia bank back in XXXX. I dont recall what this is and now shes saying if I did not agree with paying the full amount today or giving them info to remove money from my account on today, I would be placed in the check system and accounts would be frozen.

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 2021-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I had an international wire transfer coming to me and Wells Fargo was the intermediary bank. They said the funds came through but were given to someone else whose name did not even come close to matching mine but somehow had the same account number? Wells Fargo said this rarely happens but it can happen. They told me there was nothing they could do as the money was gone and spent. They even said they knew who took the money but could not get it back because it was already spent by the person who stole my funds due to Wells Fargos mistake. This wire was for {$8000.00} to help pay for my mothers XXXX  expenses. How can they think its okay to give funds to the wrong person without any recourse?

We called several times to speak with Wells Fargo on the missing funds and their answer was always the same. Yes, we received the wire, gave it to the wrong person, and there is nothing we can do. It got to the point where they starting hanging up on me as soon as I gave them the account information to see what can be done.

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