BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted numerous times by IQ Data International , Inc., a debt collection firm ( " IQ Data '' ), concerning a purported debt that I have no legal liability or responsibility for whatsoever. IQ Data is unlawfully attempting to collect a debt from me that I do not owe in violation of the Fair Debt Collection Practices Act. IQ Data has also wrongfully reported negative credit information to the credit reporting bureaus in violation of the Fair Credit Reporting Act. In an effort to remedy the negative impact to my credit report, I have explored simply paying some amount to make IQ Data remove the negative credit bureau reporting, but any payment by me would be nothing more than an extortion payment to IQ Data as I simply do not owe the purported debt upon which IQ Data is attempting to collect. 

The purported debt that IQ Data is attempting to collect arises out of a contractual landlord/tenant lease dispute where the underlying lease is governed by New York state law. I have fully satisfied my obligations under the lease and do not owe any amounts to the original creditor or to IQ Data. Under New York landlord/tenant law and the express terms of the underlying lease contract, neither the original creditor nor IQ Data is entitled to collect any amounts from me as I have fully satisfied my obligations under the lease. To the extent any portion of the purported debt exists, such debt is owed by a certain XXXX XXXX XXXX as the attached " Move Out Statement '' from the original creditor clearly indicates. 

I respectfully request that the CFPB investigate this matter, as well as IQ Data 's  business practices, as I believe my situation is not unique and that debt collection agencies are routinely attempting to unlawfully collect purported debts that are not liquidated debts, but are instead disputed amounts under residential landlord/tenant lease contracts where the landlord is wrongfully attempting to collect amounts that are not due under the terms of the lease or that violate state landlord/tenant laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone sent me money on Venmo XX/XX/18. I open an account and was unable to transfer funds. My account is frozen. I provided required documentation but Venmo refuses to send money back to sender or unfreeze account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im XXXX  XXXX or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a claim at the beginning of XX/XX/XXXX about a hotel committing fraud, posting an advertisement of free nights upon longer stays with misleading information that lead to my booking and stay at their facility. After inquiring with the owner of the hotel XXXX XXXX, who did not back up his false advertisement, I contacted my credit card company who advertised the protection of fraud and traveling purchases for their consumers of their XXXX XXXX XXXX XXXX After almost a year of battling with my card company, providing a substantial amount of documents, evidence and any information requested, they continue to not assist me. I have reported this to the XXXX  and have written a letter to corporate of Capital One where I was told to by an agent when I was told it was now past the time frame of when the charge was made. I havent heard back and I was even given false advertisement, from an agent whom I spoke with on XX/XX/XXXX who asked me to upload a second opinion letter to reopen my case, to which I complied. After getting another letter stating can not assist, I called again to speak to a manager at the dispute center where she specifically said, the previous agent gave me false advertisement and should have never reopened my case, asking me for those documents when regardless it was going to be rejected. Not to mention, the letter I received as to why Capital One could not assist me was because, it lacked all previously requested information, not because it was past the time frame therefore already giving me false information. I have wasted many hours and have tried to follow all the proper steps to have my fraudulent charges settled with very little help from my credit card company. I was told there is no one else with whom I can be transferred to for them to help me so I am reporting it here in hopes I can find assistance resolving my dispute case and for reimbursement of my charges with interest that has been charged to my account for the past year. I no longer have used their card and do not wish to use them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were sent a letter from Freedom Mortgage stating our XXXX XXXX, 2016 payment was not received. This information was incorrect. My bank sent the check via automatic bill-pay on XXXX XXXX, but their records showed that the check was not cashed. When I called Freedom Mortgage to explain, they eventually found the check and claimed it was an " accounting error '' on their end and they would take care of it. Despite this conversation and several more over the last 6 months, along with letters from my bank and copies of cashed checks showing they have been receiving my payments, I continue to get collection letters in the mail stating the contrary. I checked my credit report only to discover they have reported my account as 60 days overdue & worse, my credit report shows the payments have been late from XXXX to XXXX, which is a complete lie. Once again, my bank provided documentation proving that all payments have been received AND cashed ( except XXXX 's which was deposited later, after they located the check ). Despite my many attempts to rectify the issue, Freedom Mortgage continues to be non-responsive. It has been 7 months now and they still have not corrected THEIR " accounting error '' so I filed a dispute with XXXX and CFPB.

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 2022-03-25
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi my name is XXXX XXXX. I deposited some winnings to my US Bank account from my XXXX account. Soon after, somebody had compromised my account and stole all of my money. My card was stolen from me and also my phone. Somebody was literally able to go in the branch and withdraw all of my money. I was crying so much because Ive never lost this much money before and I was so lost and did not know what to do. I quickly contacted my bank and told them of the fraud I discovered and was assured that I would get my money back. Once my claim was filed I received some documents via mail which a few representatives had advised me ; to fill out EVERY SINGLE DOCUMENT. So I did just that. It is now about to go on 2 months almost without my money and Ive been calling the bank constantly about it. So I call today for an update and he says I have some bad news I see you signed the indemnity agreement. I was like why is that bad news. He said well that holds the bank not responsible for future claims. Then I asked well what about the current claim. He said the current claim the bank still will pay but any future lawsuits you basically just waived your rights I feel like I was baited into signing this agreement because it is not clear and is purposely put at the end of all the documents that were sent to me. He did tell me though ; that my current claim was still in works but also to me that IF HE WERE ME HE WOULD HAVE NEVER SIGNED THE INDEMNITY AGREEMENT. So now I really feel bated into signing something that was not a clear document. At the end of the day $ XXXX XXXX dollars was stolen from me when I feel the bank could have done more to PROTECT ME. All I want is my money back and nothing else to do with US BANK because I have been treated so unfairly throughout this whole process.

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 2015-10-07
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Sortis Financial, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}

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 2015-05-03
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX NY XXXX has reentered a collection account on my credit report that was removed by them in XXXX XXXX. This is the same account from XXXX XXXX XXXX from XXXX XXXX for the amount of {$600.00}. This account was paid to XXXX XXXX XXXX on XXXX XXXX, XXXX. I have previously reported this account to the CFPB in XXXX XXXX and received confirmation that the account would be removed from my credit file from XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX. The account was removed by has since been reentered on my credit file on XXXX XXXX, XXXX. After being denied credit recently I checked my report to find that this account has been entered once again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX. 

The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop. 

The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch. 

The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention. 

Yours truly,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Concord Servicing Corporation
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.

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 2016-01-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Privacy

Complaint:
A charge posted on my account in the last billing period that I did n't authorize. The charge came from a merchant whose services are pushed on me through mail marketing by the credit card company. I called the merchant and did get the charge reimbursed. I also called the credit card company and voiced my concern regarding a charge that was unauthorized and came from a merchant that is frequently marketed on me by them ( being the credit card company ). The credit card company offered to block the merchant and look into any wrong doing on the merchant side. The service associate told me that the credit card company did own the merchant company at one time. I now have the credit card company reviewing any wrong doing by the merchant. My question is, who will check on the credit card company for any wrong doing? Normally, I would not be that concerned about a charge dispute, but in this case, I am very concerned that the credit card company is not treating my information in a secure manner. I have had no dealings with the merchant ( that I can remember ) but yet they were still able to acquire my credit card information to charge it. I would like the credit card company to answer the question of, how did the merchant get me " secure '' credit card information?

Company response to consumer: Closed with monetary relief