BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the beginning of XXXX between XXXX and XXXX, I sent payment to my XXXX Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for XXXX XXXX use only. I did not owe anything on that the XXXX store  card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX   dollar late fee. Again, the following months when I would pay my XXXX mastercard, the payment would keep going to the old XXXX credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a XXXX store  card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a XXXX store card, that I only have a XXXX mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/XXXX any amount of money. My account is with XXXX Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax confirmed that my personal data has been hacked. The only way for me to get a " free '' credit freeze is to sign up for a service that is free for the first year, and then will begin AUTOMATICALLY BILLING me $ XXXX/month after one year. Since it is IMPOSSIBLE to contact anyone at Equifax - I do n't know how I would be able to cancel it after one year ( before incurring charges ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money gram company has been unfairly refusing to do business with me. I do n't know the why. I ca n't receive or send money with the company. This has been going on for months. I received money of an amount of {$100.00} from my cousin in Texas. They agents of money gram has been asking many question even thought the company has my information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-06-10
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a letter via mail over 4 months ago requesting a cease and desist in regards to contacting me about a debt. The statute of limitations expired over 4 years ago. The company still continues to harass me with letters each month. This morning XX/XX/21, I received a call from an XXXX guy that I could barely understand regarding the account. They are clearly violating my rights when I have requested that they STOP contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Capital One authorized fraudulent transactions and failed to protect me as a consumer On XX/XX/XXXX I called Capital One to report a fraudulent transaction for {$2000.00} on XX/XX/2019 from XXXX. I informed the representative that 1 ) I did not authorize this transaction 2 ) I received a phishing attempt after the transaction was made telling me to update my account by clicking a link and 3 ) that I suspected further fraudulent activity - the XXXX representative said the only way to receive my money back was to send them my medical records On XX/XX/XXXX I received an email from Capital One 's card investigations team requesting the following : - A copy of the original purchase receipt - Your efforts to resolve the dispute with the merchant - The expected date of the hotel stay/rental - The date of cancelation ( include the cancelation number if you have it ) - The merchant 's cancelation policy - this helps us with your dispute - Proof you canceled within the merchant 's cancelation terms On XX/XX/XXXX I emailed back providing documentation proving the fraudulent activity ( ie phishing email attempt/XXXX request for medical records ) and explained how I never received proof of cancellation because this was an unauthorized transaction. 

On XX/XX/XXXX I was told by Capital One my claim was denied because I did not have proof of cancelation of the XXXX  within 24 hours of it being authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-13
Company: Paypal Holdings, Inc
State: AK
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:
Advertising for what you want then you pay then you find different charges on your card that was not authorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: FL
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:
On numerous occasions, I have contacted Equif ax &   XXXX  to notify them that I am no longer liable for  XXXX   XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore, Equifax  &    XXXX   continues to allow   XXXX    XXXX  to report information that is not 100 % accurate.   XXXX    XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from Equif ax &    XXXX   stating that they will not re-investigate this erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$110.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, my wife received a request from fedloan servicing asking her to recertify for the income-based repayment plan ( IBR ). The recertification application was due by XX/XX/XXXX. We completed the IBR recertification application and uploaded it via fedloan servicing 's online portal onXX/XX/XXXX. We received confirmation that it was received on XX/XX/XXXX.
<P/>
I followed up with a call to fedloan servicing and spoke to a customer service representative. They assured me that the application was complete and that the newly calculated payment ( that would last for a period of 12 months : XX/XX/XXXX - XX/XX/XXXX ) would begin without interruption on XX/XX/XXXX. We later received a communication re : a " hold '' on the account. Again, we called to ensure that the application had been processed correctly and that the new payment would be recalculated and applied to the XX/XX/XXXXdue date. We were once again assured that the new payment would be calculated after theXX/XX/XXXX payment ( i.e., the 12th payment of the cycle ) was applied and that the XX/XX/XXXX payment would reflect this new amount.
<P/>
However, today, on XX/XX/XXXXwe reviewed our payment due on XX/XX/XXXX and noticed that the IBR recertification application had not been processed correctly/timely, as the XX/XX/XXXX payment was reflecting as unchanged ( it should have gone down as my wife 's income decreased substantially ). I called and spoke with XXXX and XXXX. XXXX indicated that she would submit an " expedited request '' to have the payment recalculated and applied for XXXX. She said that this would be completed by Friday, XX/XX/XXXX and reflected on the XXXX  statement. I asked that it be reflected on the XXXX statement and she indicated that my wife would have to make this request. I tried to explain that this is not a new request as this should have been done in the ordinary course of things had the paperwork been processed correctly back when we submitted it in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AK
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:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: WELLS FARGO & COMPANY
State: CA
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 the month of XXXX an unauthorized XXXX  was made in the amount of XXXX. Upon noticing the XXXX I immediately called my bank and told them about the fraudulent transaction.Wells Fargo gave me a temporary credit and days following denied my claim and reversed the credit ending in my account being negative 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 2018-12-27
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
I reviewed my report and discovered many fraudulent and incorrect information listed. I was a victim of identity fraud and I am requesting these fraudulent items be blocked.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: AK
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:
After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are injurious to my score and I want them to get removed as soon as possible.

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 2019-07-15
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: Account status incorrect

Complaint:
I purchased a used vehicle in XX/XX/2018 and then proceeded to get a loan on it post purchase from XXXX XXXX XXXX XXXX. I bought the car in Texas and transported to Caliornia, titled, registered and insured it in CA with no issue as well. XXXX willingly loaned on the vehicle after their own due diligence. A year after originally buying the car when I went to renew my registration I was told that the car had been reported stolen in Texas and I needed to surrender the car to my local police station. After lots of back and forth with the police in Texas and California and several phone calls with XXXX, I turned in the car to the police and no longer have it in my possession. XXXX has demanded I continue to make payments on the loan for a vehicle I no longer possess. I can not afford to make 2 separate car payments and they are now reporting delinquencies on my credit report and my score has now plummeted. XXXX willingly loaned on a vehicle that wound up being stolen ( even though I had title in hand from alleged owner with Bill of Sale and registered it in CA with zero issues ) and they are now destroying my credit and demanding I pay off this loan.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-29
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
When I purchased my vehicle I used a cash payment for deposit however the paperwork states I used credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
hi my name is XXXX. I have a paypal account in my name as previously stated. I currently opened a paypal account to receive funds from my daughters father. ( we are not married or live together ) I only use paypal to make small online purchases like kids school uniforms, groceries, etc..and to receive money for my daughter.I opened my account on XXXX XXXX and XXXX XXXX they limited the access to the account with no further information posted only to call them. I called them and refused to give me any further information besides that my paypal account is limited and I asked repeatedly for answers on when my funds will be released. AGAIN THESE FUNDS ARE LEGAL FROM MY DAUGHTERS FATHER AND HAVE BEEN CLEARED BY PAYPAL. yet they want to hold them and make me responsible for his paypal account in bad standing. we do n't have the same last names, we are not legally married, we do n't live together so what does that have to do with freezing my account and the availability to withdraw my funds if this paypal account is solely mine. this is illegal to do so. I will be filing complaints electronically and on paper certified in the state of florida with the attorney generals office, the bbb and the united states federal reserve since paypal is n't a bank these complaints are looked into by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX XXXX to check out their Lawn care service and pre-paid in full for One year of service upfront. At the end of the one year of service, I decided to not renew. I had numerous calls from various people in XXXX XXXX   asking if I wished to renew their service. I communicated that I was not interested in renewing their service. After a few days I got a letter from them stating that I owe {$170.00} for services rendered this year and if it is not paid, it would be sent to collections. Please note that I had explicitly signed up and pre-paid up front for only 1 year of service. 

Thinking that this was a mistake, I called them back about it and they said that nobody informed them that I did not want to continue their service and so I owe them this amount. I responded again that I was not interested in renewing their service for another year, and also let them know that I am not paying the {$170.00} because I did not authorize or even request additional service. 

XXXX XXXX decided to send this " debt '' of {$170.00} to transworld systems for collections anyways.

Company response to consumer: Closed with explanation