BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I recently deposited a check for final wages to from my employer and my financial institution-BBVA Compass- placed a hold on the funds. Due to the large amount, it was to be expected, and I had more than enough funds to cover my outstanding transactions. Unfortunately, my deposited check was returned, but instead of just reversing the hold, BBVA reversed the amount from my available balance. Ultimately, this resulted in twice the amount of my deposited check being withdrawn from my account. After numerous phone calls, I was left with, " The hold will drop off some time today. '' In the meantime, the bank has returned XXXX of my items and charged additional NSF fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American express has been stalling and i did everything one can ask for. i sent them the remittance coupon to settle the debt. They are just been stubborn and hard headed. these people are greedy. At this point I am covering my tracks to show prove to the pending lawsuit as evidence of them refusing to credit the account. on XX/XX/XXXX they sent me an email that they will be closing my account on XX/XX/10 XXXX days before I wrote my initial cfpb complaint. All bills are PREPAID. All obligations is owed to the united states.The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. They keep trying to get me to call to settle the debt when I have already sent them multiple letters. this is also a breach of privacy rights according to 15 usc 1692 c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a HARASSMENT! also threatening to send my private information to the credit bureaus is identity theft or selling the debt. i have given them more than enough chances. At this point its ridiculous. They want the fight so that's what will have to happen. the bureaus have 4 days not fifteen in a case of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: TX
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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015, the account ( XXXX ) on XXXX purchased my XXXX mini XXXX XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) XXXX, notifying me of the transaction complete, and from XXXX, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " XXXX '' ( email address : XXXXXXXXXXXX ) and " XXXX '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX The XXXX tracking number that I provided to the buyer after shipping the XXXX to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
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 in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve 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 2017-07-18
Company: EQUIFAX, INC.
State: AL
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 in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had  no    XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Personal information incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX inaccurate Address listed on credit report for experian. i submitted dispute letters and called in over the phone to dispute this inaccurate information. i filed a police report and did everything the compnay told me to do still nothing happened. 
there are also inquiries that were not authorized by me when reporting this information experian told me to reach out to the company and the compnay told me to contact the credit cureau inquires XXXX XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2015-07-07
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 've already filed a complaint once against IC Systems. Case # XXXX - they removed this from my credit then added it back. I 've contacted both IC Systems and XXXX XXXX XXXX and neither of them have an account for me. I again am asking the IC Systems remove this from my credit. The way I was talked to and harassed with phone calls is not the way to collect any type of debt and I will not be paying them or XXXX XXXX XXXX due to they were very unwilling to help me on their end with an arrangement I could afford. I again will ask this be removed from my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX   XXXX   XXXX   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address 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 explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX   XXXX   XXXX   is reporting on my credit report a late payment in  XXXX  of 2016 and failed to fix the problem I attached a letter from  XXXX  verifying and confirming the error but they still failed to address error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a " debt '' from a previous employer that i worked for in  XXXX . It was a   XXXX   doctor. The  XXXX  doctor gave all the employees free vision screenings etcs. I bought a pair of prescription sun glasses. It was to come out of my payroll check. I ended up changimg jobs shortly after because I found a better job. The office manager asked if she could keep my last check to pay for the frames. I agreed. NEVER receiving my last check, i assumed all was fine with the presciption glasses. Apparently not. I have disputed and disputed this debt for years. I never once signed anything stating I would be liable for anything better yet something i paid for in full. In   XXXX   XXXX  , i contacted the collection agency to explain what was going on. They did n't care. I explained what was the total of the glasses which was {$210.00} at the time, compared to what they said I owed which is {$470.00}. It 's not right. Its illegal what my past employer did and for the collection agencys doing. This is killing my credit score and its stopping me from pursuing goals that I wanted to meet. Please help. Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX  .   XXXX   , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to   XXXX   and Transunion and filed a dispute. I received the message dated  XX/XX/XXXX  from  XXXX  : Discharged through Bankruptcy Chapter  XXXX . This account is scheduled to continue on record until  XX/XX/XXXX . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  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 2016-11-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a fraudulent charge on my account from a service i had canceled. I called U.S. bank to ask for a stop charge because my account was overdrawn. He agreed to stop it but it was never stopped. The charge went through and i was charged the XXXX dollars. I called back had the XXXX $ refunded but there charge caused me to have XXXX more overdraft fees. They agreed to refund XXXX of them because it was there mistake but not the third because i had agreed to pay the XXXX $ for the stop charge that never went through. The overdraft fee is keeping me in the negative and will have more overdraft fees by tomorrow morning even though i had depositied XXXX dollars cash into my account to cover the cost of my purchases. they are charging me several over draft fees for a service they said they would provide but never did. I have no control over the situation and they refuse to refund me the total amount they have basically stolen from me. I have direct deposit and can not avoid my next check being half of what it should be, which is tomorrow XX/XX/2016. They say its there policy not to refund all overdraft fees, even though it was there mistake that put me in this situation.

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 2016-09-29
Company: U.S. BANCORP
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Us Bank wrongfully placed a garnishment on my bank accounts. They did not verify the ssn with the collection agency, then were not helpful, in fact were quite condescending and dishonest, when trying to resolve the situation.

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 2016-08-01
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
RE : Case ID # XXXX My name is XXXX XXXX, and I have had an account with Ebay and Paypal in excellent standing since early XXXX. On XXXX/XXXX/XXXX I received an email from Paypal stating the following : Hello XXXX XXXX, We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your sales / offers of jerseys on eBay, user ID : XXXX. 

As a result, your account has been permanently limited and this can not be appealed. 
So they suspended my account with {$10000.00}. They added in their email the funds will be frozen for 6 months. 
My Ebay account is still active and with 99 % excellent feedback, no open complaints, no chargeback 's, no returns. I still do not understand why Paypal chooses to close my account while Ebay chooses to keep it active. This is very incongruent. 
I have pleaded with XXXX different customer Service Reps to please review my case, since I have no problems with Ebay or vise versa. I keep getting copy and paste standard replies. 
I kept my funds from sales on Ebay with Paypal because Ebay automatically withdraws their monthly invoice fees from there. I also retrieve money from " My Wallet '' to pay for replenishing my goods and other business expenses, as well as living expenses. 
If I do not have access to my funds for 1 month I will have no way to take care of Payables and Expenses. 
If they want to suspend my account, I can live with that decision, however I can not support myself if they take and freeze my funds for 6 months for no proven reason. 
Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: Veros Credit, LLC
State: CA
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:
On XX/XX/2022 I received 7 auto loan inquires on my credit that I never authorized. I was NOT in the commission of looking for an auto loan at that time. 

I did apply at XXXX XXXX XXXX on the XXXX of XXXX and only gave permission to send the loan to 2 banks and was approved with XXXX. 

I only work with certain banks and would never approve of having my credit ran like this to unknown financial institutions. XXXX XXXX XXXX had zero permission to do this and I was never notified of this by them. Once I got notified by XXXX I quickly locked my account to stop any further inquires. I believe this was done deliberately to lower my credit score due to the deal they did on the XXXX being sent back by XXXX due to the heavy repairs needed on the car I was sold. 

these are the 7 banks/financial institutions that ran my credit without permission that need to be removed from my credit report. 

XXXX/VEROS CREDIT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation