BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting the following items inaccurately ( see  enclosed ). This violates the FCRA.

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 2020-09-03
Company: SYNCHRONY FINANCIAL
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:
Synchrony credit card through banana republic. I am current on all debt. Last summer my wife and i are heading home from XXXX XXXX CA and head through XXXX XXXX I have receipt ) and I get cell reception and pop up comes an email about something I ordered? I was confused and could not do much at the time but it freaks you out when you see something that clearly is not right. I could see a large purchase for an android or XXXX smart watch like {$200.00}. BTW I own an XXXX  and wife does. We get back to our home in XXXX XXXX CA and sure enough when I got on my computer I could see this order from Walmart. Ok I did not order this. I called Walmart at first and tried to figure out what was going on and after many failed calls I finally got through to someone and we talked but I remember we went around and around and finally they said well it looks like you used your credit card so maybe the credit card company needed to handle this. I then call them and explain. I wrote to them and explained. They did an investigation and said yes I had been hacked but since I had the product ( for what ever reason they ( hacker thief? ) sent it to my house? ) they want me to " cooperate '' and send it back. I said no problem send me a label and I will put it in a box and put it on my porch. I was told they can not do anything and continually told me to " cooperate '' I said no problem but I will not incur a cost for shipping. I am already agreeing to wasting my life packing this thing up and sending off I will not spend money over getting hacked. This went back and forth for months. I sent in-mail through the synchrony website and had phone calls. They expressed they did an investigation and found fraud but since I had the product they wanted me to cooperate by contacting Walmart and sending it back. Walmart wanted me to pay for shipping and would not understanding the situation. Here I am with a {$200.00} watch I did not order and it is completely useless to me. I am willing to cooperate but I will not pay for anything. I think it is more than reasonable and cooperative to offer to spend my time packaging and dropping off the package in the first place. Oh Ya so they refunded the money at first then charged me for it after the disputed yes it was fraud but no they want their money. Bottom line I did not order it ( I was told it clearly was fraud, and I am still being charged. Synchrony was less than helpful and very hard to get communication from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, XXXX, and Experian. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX, XXXX Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

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 2017-01-05
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the loan off in full on XX/XX/2016. In XXXX I received a letter saying I owed still. The company started calling 5 + times a day. I sent in my receipts 3 times, I spoke to a supervisor who said they received the receipt and would have it taken care of and it may take 24 hours for them to stop calling. XX/XX/XXXX they took XXXX from my bank account which also caused a {$39.00} overdraft fee. I called the company they refuse to accept my receipt and stop electronics debits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Kriya Capital, LLC
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: Account information incorrect

Complaint:
To Whom It May Concern, I mailed a certified letter to Credence Resource Management on XX/XX/2020 disputing the collection account for a XXXX XXXX  account in the amount of {$320.00}. By the way, I do not ever recall having a XXXX XXXX account. I received a response letter from Credence Resource Management dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by XXXX XXXX XXXX agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to XXXX XXXXXXXX on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by XXXX XXXX  Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from XXXX XXXX they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX  and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim. 

This complaint is in regards to XXXX XXXX XXXX as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS XXXX XXXX XXXX ABLE TO VALIDATE THE DEBT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my 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 explanation
Consumer complaint received 2020-08-12
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company refuse to tell me anything about a debt that's from another side of the world I dispute with XXXX comes back verified even through when I call this company direct there no answers or responds!!??????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i notified the company XX/XX/XXXX that i had been a victim of identity theft for a account that was opened on the date of XX/XX/XXXX in the amount of {$1100.00}. I told the company to please stop contacting me via calls and forwarding me mail regarding the fraud accounts. The company stated they conducted a investigation and that the account were valid and continued to call me and threat me via a 3rd party collection company ... they have been using disrespectful abusive language ( saying they will come and find me, and they will make my credit drop to XXXX tomorrow ) and i will no longer allow this. I no longer feel safe at my home address. The company has stated they do not care and i owe the amounts so they'll call as much as they like..i sent the company my FTC Report and i sent they information for my Identity Theft. I have also just sent a letter to the Attorney General over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I fought this medical debt over a emergency XXXX XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX-XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.2.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that one time I should be punished after the fact, and for 5 more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a business checking account with bank of America, I noticed some charges described as " Bankcard deposit fees " I asked about it a couple years ago and was told that its a bank fee,, At the end of 2021 I asked again, the fees were getting high and this time I was told by the bank that this was a merchant fee, I informed the bank that my merchant account is with bank of America. the bank also told me that that they did not know who was charging me .. and have no way of finding out. and I would have to contact the fraud department of bank of America, I did and never heard from them since..

The charges occurred for approx 4 years ..The person at the reception area of bank put in a stop request to stop charges and it stopped..

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XX/XX/XXXX {$1700.00}. Inquiries : XXXX XXXX XX/XX/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 2017-09-04
Company: TRANSWORLD 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 XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Customer Service Agents are repeatedly providing misinformation and providing false information in regards to policies. For over a decade we have used PayPal with absolutely no issues. We started with a personal account and when we established a non-profit organization we opted to start a new business account for it. There has never been a dispute, refund or any other negative activity on the account. However, PayPal has started to place funds on hold. When reaching out to customer service to resolve this we have been given misinformation by no fewer than 4 of their customer service agents. Some have blatantly lied and only backtracked on the lie when pressed to provide proof of the policies they were referring to. On more than one occasion we have provided the requested information only to be met with rejections and requests for information that has absolutely no reference to our organization. For example, they keep asking for vendor information when we do not sell or provide any physical products. At this point my thoughts are that PayPal has decided that they will use customer funds to provide themselves with short term interest free loans. There have been at least 3 support tickets to address this single issue. We have spoken to a " supervisor '' who agreed that the support tickets have been severely mishandled and apologized however nothing is done to resolve the issue. On the last call we were on with an agent for over an hour. There was a request for our vendor information and other information that would pertain to a business selling physical products. During this call it was repeated several times that we have no physical products. We are a non profit organization that provides consulting and services. However we just received another request for this information that in no way applies to us. We are a XXXX organization that is in good standing. In contrast, our organization uses other payment processors and have had absolutely NO issues whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a letter from US Bank ReliaCard about important disclosures on XX/XX/2020. 

The Program Name is Pennsylvania Unemployment Compensation regarding a Pre-Acquisition Disclosure. 

I have never received funds nor applied for PA Unemployment in my life. 

I am concerned that possibly someone used my name to apply without my knowledge. 

How the US Bank National Association got my name and address is beyond me. 

My concern is that if such a prepaid card is not used for 420 consecutive days, they charge a monthly {$2.00} fee. Since I don't have such a card, and I don't receive unemployment payments from PA, I want to make sure that I do not receive a bill/statement indicating that I owe these charges.

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 2015-05-29
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: COMMERCE BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, 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:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed a Certified letter to Capital One Credit card requesting information to validate a debt they claim I owe. I received a 1 page letter from Capital One. This letter did not verify any contract bearing my signature, nothing was provided stating that I owed Capital One. Again on XX/XX/XXXX I mailed another certified letting you know of the day you signed for the letter and that the information requested was yet again NOT sent, only this time Capital One totally disregarded the second letter that was sent and did not event to bother responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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:
On XX/XX/2020 I notified XXXX XXXXXXXX XXXX and paid off a debt of {$980.00}. I was assured by XXXX XXXX XXXX that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my Equifax credit report.

Company response to consumer: Closed with explanation