BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an old Capital One account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of 2017, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is XXXX XXXX, they're reporting this debt to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX *XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX *XXXX XXXX XXXX - XX/XX/XXXX *XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

*XXXX XXXX XXXX  - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX - Date Open XX/XX/XXXX XXXX XXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Equifax credit bureau XX/XX/XXXX but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My Paypal account based on my email " XXXX XXXX XXXX '' still remains restricted, specially for sending and receiving payments. In spite of Paypal promising me that my account would be lifted of the restrictions, that did not happen as when I login I am offered to receive an automated phone call but as my landline has changed, that is not posible at all. When I call the XXXX Call Center of Paypal, it has not either been posible to reach a solution as my current landline number differs to the original entered in my Paypal profile. 

I have to point out that after my 2 previous complaints through the CFPB, there were some advancements, however the main inconvenience, i.e,, the limitations still affecting my Paypal account do remain and that is a major problem for me as I do need a Paypal account for personal and working reasons. 

Paypal imposes non-sense and stupid restrictions, such as that a bank account can only be linked to one Paypal account and not to second one so when I attempt to open a second Paypal account under a different email address Paypal does NOT allow my XXXXct bank account to be linked to a new Paypal account. That is a XXXX and XXXX rule from Paypal!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MO
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:
In previous months, I requested the correction of an erroneous item that another credit reporting agency found to be inaccurate and had fixed. Due to the Bureaus ' lack of response, I classify it as frivolous, Experian and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following account, which Credit Bureaus have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the account listed below : XXXX XXXX* Balance : {$110.00}

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 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that American Express is attempting to collect a debt from I the consumer makes American Express guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXX XXXX  XXXX Late Date XX/XX/21

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are a couple of counts on my credit that do not belong to me. Can you please remove them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original bill came from XXXX. I canceled my service. But they did not close my account. I continue to receive bills after I cancelled my service. After four different phone calls averaging about an hour each I finally reach someone that said that they would cancel the bill for the unused services and the issue would be taken care of. Instead they turned it over to Southwest Credit Systems. Southwest Credit Systems was adamant that we owed the money and it was not their problem that XXXX did not shut off the service in a timely manner. We finally paid the money on the bogus account because we were trying to refinance our house. Not only does the money still show to be owed on our credit report more than six months later. But we never received a receipt for the money that was paid to show the issue with taking care of. We were told if we pay the money it would drop off of our credit report. After calling back 7 months later because it still showed on our credit report we were informed that they were a no delete collections agency and could not delete it from our credit report. So not only am I stuck with the only bad mark against my credit for 7 years, it is for a bogus bill that I never owed to start with! Totally unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX XXXX XXXX card that became a XXXX XXXX XXXX card at the end of XXXX. On XX/XX/XXXX, I paid the XXXX balance in full from my credit union. Ive paid my account this way for years. However, the first statement from XXXX ( Barclays ) says Im past due the amount I paid to XXXX! When I called Barclays they first claimed my payment was returned to my credit union. I double checked and no this is not the case. This is a false claim ; there is no money returned to my credit union account. Then I was told to give it a few days to sort out, there was a problem when the accounts were transferred to Barclay. Then I start getting phone calls saying Im past due! Today, XX/XX/XXXX, I called again and after 45 minutes getting the run around with their hardly intelligible representatives they said theyd investigate this as a lost payment. Well thats just crazy and wrong! The balance paid XX/XX/XXXX was not owed to them in the first place! It was the balance owed to XXXX! Please can someone help. 
Ive attached a copy from the Barclays statement. See Payments as this is where their representative tells me my payment to XXXX was returned to me what does that description/ % a on their statement even mean? And, no, my payment to XXXX XXXX has not been returned to my credit union!

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 2019-10-17
Company: Financial Management Solutions, LLC
State: MD
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 file a dispute with XXXX regarding the account I have with FMS Financial Solutions. That account was paid in full as of XX/XX/2019. XXXX sent me a letter stating that FMS Financial Solution verified that I still have a remaining balance. Which is incorrect because I paid that account in full. Please see the below attachments.

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 2022-08-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX Account was frozen after reporting unathorized transactions XXXX, case for transactions was awarded to me, was required to submit ID documents to unfreeze my account, later in the day my account was unfrozen. 
Less than 20 minutes after unfreezing my account, I got another email saying it was now frozen again, with no reasoning or explanation just to contact support. I contacted support and they told me I must wait 7-15 business days for an email followup and that there is nothing they can do or tell me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: PA
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 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} ;

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 non-monetary relief
Consumer complaint received 2017-09-02
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XXXX XXXX 2017 from Hunter Warfield concerning a debt they claim I owe. The creditors name is XXXX XXXX ( Creditor ) in the amount of XXXX. 
This is my second notice. I have provided the account number listed on letter and there should not be any problem locating this information I would like debt validation to be provided through the Consumer Financial Protection Bureau portal and to be mailed a copy. 

I would like all correspondence to be in writing on this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: JPMORGAN CHASE & CO.
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:
In XX/XX/2016, XXXX facilitated issuing a fraudulent credit card in my name, and billed the card with an XXXX XXXX XXXX. They told me somebody had made a purchase, and had the item ( a television I Believe ) shipped to an address that was not mine. I only discovered this fact months later, and immediately contacted XXXX and chase when I figured out what had happened. 

After spending HOURS on the phone with both XXXX, and chase - i was assured the matter was clearly identified as fraudulent, and would be corrected. It was not - the credit card company added late charges, which I refused to pay - then eventually charged off an amount of XXXX. 

This single fraudulent charge off affected the loan rate of my truck, adding almost 2 % to the rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: PCR Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Twice ), XX/XX/XXXX, XX/XX/XXXX- Blocked their number, they somehow contacted by after blocking it - No amount was discussed and no names were mentioned, they just keep trying to contact me without sending any written notice or amounts - Call is from " XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2020-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
NO USAA PERMANET FRAUD CREDITS PROVIDED. see Review XX/XX/XXXX. USAA fraud department decided it was not fraud. See attatched XX/XX/XXXX Statement. XX/XX/XXXX XXXX  credited {$200.00} & XX/XX/XXXX XXXX  credited {$280.00}. See TOTAL PAYMENTS CREDITS THIS PERIOD {$910.00}. NO USAA CREDITS. ALL MERCHANTS CREDITS. Kindly Note, XX/XX/XXXX SECURITY ADJUSTMENT ( OF ) ** A USAA REVERSAL OF CREDIT. {$120.00}?? {$210.00}?? card XXXX. These MERCHANTS CREDITS WERE CREDITED XX/XX/XXXX. These are NOT USAA CREDITS. card XXXX XX/XX/XXXX {$110.00} usaa reversal of credit SECURITY ADJUSTMENT ( OF ) This was paid by XXXX  XX/XX/XXXX. See XX/XX/XXXX {$200.00} & {$280.00}. SECURITY ADJUSTMENT ( OF ) usaa reversal of credit This was just paid by XXXX XX/XX/XXXX of same month?? Again USAA PROVIDED NO CREDIT NO FRAUD ON ACCOUNT. USAA REVERSES MERCHANTS CREDITS. IF NO FRAUD & NO CREDITS WHY DOES USAA GET TO TAKE MERCHANTS CREDITS LEAVING ME WITH FRAUD??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've been trying to dispute this alleged collection debt of {$720.00} that XXXX XXXX ( CV ) claims I owe. I sent CV my first certified letter dated XX/XX/XXXX, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from XXXX XXXX should be ceased and removed from all my credit reports. 

CV replied with a letter dated XX/XX/XXXX, stating that they completed their investigation and found the debt " valid. '' Their verification included a letter from XXXX XXXX XXXX, which appears that CV contacted XXXX XXXX XXXX under " my name and current mailing address. '' That letter included an itemized bill, but no sight of any signature agreeing that I pay XXXX XXXX. CV 's evidence is invalid. 

I sent a second certified letter dated XX/XX/XXXX, which CV received on XX/XX/XXXX. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from XXXX XXXX since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my credit reports

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