BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items from my credit report.

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 2021-05-21
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: Investigation took more than 30 days

Complaint:
I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. XXXX has also sent a dispute request to XXXX on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that Equifax HAS NOT RESPONDED to the dispute sent by XXXX. Equifax has taken more than 30 days to respond to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CALIFORNIA RECOVERY BUREAU, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-05-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( lab work ) is trying to collect money i do not owe. {$380.00} is what a collection co. wants. Our co/pay is only {$10.00} dollars. XXXX XXXX  hmo our insurance filed a grievance in XX/XX/XXXX, they agreed with us and Provider Relations Department sent the report to XXXX to cease billing my wife. They did not agree with the grievance report. They have placed this with a credit collection. Yet XXXX is still sending us a bill. On XX/XX/XXXX XXXX  of XXXX NJ. closed this case because XXXX did not receive a response from business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 {$97.00} Contacted about amount, should have been covered by insurance

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.

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 2021-05-21
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is claiming that I owe them {$2100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-05-21
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on 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 2021-05-20
Company: CONTRACT CALLERS 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:
I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : CONTRACT CALLERS INC with a balance of {$980.00}

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 2015-05-22
Company: First National Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: MA
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:
Purchased a product on XX/XX/2021. The merchant website listed the product as in stock. It wasn't. It says if it's not in stock it takes 30-60 days to receive. It's now been 21 weeks and I haven't received the merchandise. I filed a dispute and Citi card said I am responsible which is absolutely ridiculous. The merchant has fraudulent advertising on their website and the credit card company is not protecting me as they should.

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 2016-08-10
Company: Erin Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received the attached ( to this complaint ), notice form the XXXX New Jersey on XXXX XXXX, 2016. It states that a judgement was made against me for {$13000.00} in favor of Erin Capital Management. 
This case was settled without my knowledge. I have never received any summons nor was I served any papers giving me opportunity to defend against Erin Capital Management 's claim. 
Regarding Erin Capital Management : I have no knowledge of who they are, any purchase they may have made of a debt of mine, from whom, or what they paid for said debt. 
The notice from XXXX XXXX XXXX, court officer, also states that a copy of the writ of execution was attached. No such copy of a writ of execution was attached to his notice. This notice came in regular first class mail. 
I believe that Erin Capital Management is in violation of the Fair Debt Collections Practices Act ; and, improperly used the XXXX XXXX XXXX New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get a credit report from XXXX for the past few months i have verified all my information over the phone and they keep denying to give me my report. they want me to send my personal information in the mail and i am not comfortable with that i am a victim of identity theft and send my personal information in the mail is ridiculous. I have been denied credit and based off there information and they are not sending me my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1921 CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX. 
WASHINGTON, DA XXXX Subject : Equifax ; XXXX  & XXXX  credit bureaus fair credit score reporting, practice & all enquiries on credit file of all Americans Dear Protection Bureau & National Public Sectors for Consumers ; I am seeking to get an equal opportunity to get my free score and report from Equifax credit bureau. Equifax has not revealed my credit score every time I asked for a report from them. Second I want your bureau to stop the other consumers from unfairly weighting our credit scores, as they give creditors all relm to judge our scores credibilities as they deny us minority Americans access to higher credit score and benefits.- as like wise as with employment practices, all military benefits, and safe practice of islamic beliefs for fair credit offer and practice by equal rights as other citizens.

As far back as 25 years we have reporting of hard and soft enquiries ( injuries ) showing on our credit reports. We are asking for only 3.5 years worth of enquiries to show on each reports- and only as hidden enquires, as should be revealed to federal as when for federal investigation purposes. Creditors have denied us credit offers do to these reasons very crucial to us all. Since, our credit & credibilities is all life opportunities for all Americans. 



Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: NY
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:
Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am attaching a letter that I sent to Experian on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.

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 2021-05-21
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Called to make payment arrangements but had difficulty accessing online and reaching by phone. Multiple times I got transferred the call dropped after extremely long hold times this lead to inaccuracies and even closer of account. Which further causes more damage to my credit score. Ive spent countless time talking to multiple people who promised to correct and still no follow up on what I was told

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 2017-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
This is about Experian. You should ask that right away. 
Someone is used my credit report, because these people at Experian 1 ) HAVE THE WRONG PERSONAL INFORMATION about me. I had to answer questions in order to be able to make a dispute online, and ever question I answered accurately. These idiots have a lot of questions and I am sure, absolutely sure, they have incorrect information, ex : I have not lived with anyone since 1986. Yet, they have roommates listed. 
I also have other issues with these people FURTHERMORE there is NO file number. This information is online. I am trying to make the dispute online, and CA N'T EVEN GET THAT FAR.

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 2021-05-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We have two cards with synchrony bank. I noticed that one account closed due synchrony bank telling me I wasnt making more then the minimum payment. But I was making the agreed payments and closed my account with no prior notice. They also advised they kept running my credit. I submitted tired to reach out but the representative didnt know why this happen. A week later same thing with my other account. I was making payments and they just closed the account.

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 2021-05-21
Company: Experian Information Solutions 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:
Several accounts on my credit report are fraud opened account. Please look at the attached documents. Experian will not remove the fraud accounts even though I have provided proof. Please delete this stuff.

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