BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: NV
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:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have an XXXX credit rating and never missed a payment EVER. My TD Bank Credit account had not been used for many months and just around the time I called to close the account, XXXX fraudulent charges were made on the account - a quick XXXX search of the merchant codes show lots of people have had the problem with Magazine Subscriptions. Since I had just closed the account, I never bothered to login or check to the account, assuming it was closed. However, after receiving a COLLECTION Call on the account and interest and late fees on the closed account, I found out about the Fraud. I immediately opened a case - XXXX - however, I found out today XXXX after receiving another COLLECTION call that not only did the interest and fees not stop, they informed the credit bureaus of my situation negatively impacting my credit score. 

The charges were not made with my permission and I 've never had a credit issue in my life - TD Bank should be fixing the incorrect report to the credit bureaus AND issues the credits to balance out the closed account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company said I had 2 late payments in which I never had any late payments. Barclay specifically gives you late fees when you have late payments. I asked the credit card company for them to prove and provide the late fees so they could see I never was late and both the credit bureau did not ask or Barclay did not provide but they continue to keep these two late payments on my closed account which is damaging my credit. I spoke to two people at Barclay who told me how to ask for the late payment to prove it was not late but they did not have the authority to remove it.

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 2022-10-12
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received 3 cashapp debit cards for accounts I did not create. When I try to speak to a supervisor for help employees refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
After a relatively smooth mortgage application process, the mortgage processors have been TERRIBLE. The first two service agents I was assigned have left the company, and I was not notified that no one was processing my application. I have been unable to get in contact with any processors to discuss my loan status, and the closing date is supposed to be in two days. Despite numerous phone calls over the past two weeks, prompt responses to all requests for information ( even duplicate requests ), I have not had any information from TD Bank. I have requested to talk to supervisors, or have someone contact me, but no one has made contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My recent claim XXXX for non receipt of the service was denied on the grounds of the sellers policies. The refund policy is voided under Florida 's Sellers of Travel Act which is publicly viewable at XXXX XXXX XXXX   XXXX XXXX  XXXX. 

At this point not only has the seller failed to adhere to this act, but has failed to provide the requested refund on the grounds of a refund policy which doesn't adhere to the act in question and hence is not binding. Moreover, this is a service I didn't receive - at all. So, this clearl doesn't fall under any legal gray area of being able to charge for services rendered considering there were quite literally no services rendered. 

The seller also failed to provide a suitable resolution as required by sellers of travel per this act. Moreover, PayPal being the transactional provider is directly liable for upholding illegal practices under this act by means of failing to provide the resolution requested. Specifically, the policy stated by the seller is voided by statuates 559.932, 559.933, and 559.935 The seller failed to provide the requirements to provide a legally binding refund policy under the requirements of statuate 559.932 and 559.333 on both the policy itself and communications. Moreover, the seller is clearly in violation of the violations proposed by statuate 559.935 on multiple counts. The statuate violated which is nuclear to any resistance of this claim is specifically : Statuate 559.935 ( 20 ) even if any of the others weren't true. That alone is grounds. 

I have attempted to resolve this through other means to no avail. PayPal has been given the legal statuates they are violating upholding this transaction between parties as well as what statuates the seller has violated. 

I've opened multiple cases. I've contacted support multiple times during which the agents have given me a " run around '' with no resolution per your companies scripted responses. 

At this point without a resolution and a clear indication that PayPal has no intention of resolving this despite evidence and statuates provided I will be forced to purse this matter further through legal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to close my paypal account. Paypal says I can not because there is a transaction 'in process. ' That is false by any reasonable definition of the term. I can prove the following about the transaction claimed to be in process : 1. Seller sent a shipping notification 2. The item purchased was delivered and is in my possession 3. My bank statement shows funds for the item were transferred 4. Paypal itself does not mark the transaction as 'in process ' in the 'activity ' menu showing all transactions I am attaching an invoice from the seller showing a transaction status of 'shipped, ' which I have confirmed on the phone with the seller indicates the transaction is considered complete from its perspective. I can provide further documentation that funds have indeed left my bank account for this purchase.

In fact those statements are true for ALL transactions listed on my paypal account, with appropriate qualification for statements 1, 2 depending on the nature of the item purchased.

Attempts to resolve with paypal : 1. Multiple online message conversations with customer service, for which I have records 2. Two phone conversations with an actual paypal employee via their customer service line Paypal 's responses have been at times nonsensical, at times conflicting, and always have ignored the basic fact that I can show every party to the transaction considers this transaction closed.

As an aside, and possibly the subject to another complaint : The following is the reason I was trying to close my paypal account to begin with.

Paypal abruptly removed my bank account, my main source of funds for the service. Once again, its explanations for doing so were difficult to come by in the first place and, when given, were nonsensical. For example, paypal suggested my bank had changed its routing number causing the failure and removal from paypal. But that is not true ; I used the same bank account to transfer funds just days before ; there were ample funds in my account for all purchases I have attempted to make.

Paypal via customer service message app claimed it would resolve this issue by scheduling a call with me. That has not yet occurred after about a week, as of this writing. 

A quick check of the paypal XXXX shows this service summarily abuses customers, and that has been my experience. A poorly maintained, poorly operated service that does not deserve anyone 's confidence and should be more tightly regulated. Thankfully I do not need to use this service, e.g. for my business, and will get out as soon as able.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.

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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An account from USDA XXXX XXXX XXXX is reporting as a collection/chargeoff/delinquent. 
This account has a {$0.00} balance and should not be on my report. The " account lender '' promised removal, but has not removed. 
This account appeared on my reports in XXXX XXXX but is listed as being late since XXXX. Everything about this account is incorrect.

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 2016-03-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a complaint with Esperian regarding my account not being updated for XXXX XXXX. I requested either the company verify infoinfo and update account appropriately or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.

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 2020-04-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC apparently is a junk buyer of allegedly old or uncollected debt purchased from different creditors. They have been sending me bills periodically through the mail claiming that I owe the debt to them, even though I don't know who they are. They claim that they bought an old credit card account from XXXX XXXX XXXX  with whom I once had a credit card account. I did not receive any notification from XXXX 's that my account had been sold, nor did I receive a letter from Midland with the appropriate written legal proof that the rights to collect on this debt, was now theirs. I have called Midland Funding LLC who refers me to another company called Midland Credit Management ( supposedly in XXXX XXXX ) who tell me that the only documentation they have is a few copies of my old credit card bills with XXXX 's XXXX. In my phone calls to Midland Credit I've asked for a copy of the assignment of XXXX 's rights to this credit card, over to Midland Funding LLC or Midland Credit Management. Their response to me is that all they have are documents ( copies of old bills dating back in 2013 ) showing up on their website under my name, and that should be enough proof. Clearly, that is not enough or adequate proof showing that they have any legal rights to collect money from me for this old XXXX 's credit card account. I have had several identify theft problems over the past several years and am getting tired of trying to rectify problems resulting from the identity theft problems. I've asked them to send me a letter stating that they will delete this entire derogatory credit line from all 3 credit bureaus against my name/social security #, but they want me to pay them first even though they refuse or can not provide proof that they have the right to collect on this XXXX 's acct. Today, via a phone call I asked to speak to one of their attorneys. They put me on hold at XXXX my time, and no one ever picked up again. The Midland Credit Mgmt and Midland Funding have a corporate address in XXXX XXXX, CA. I am in the same time zone as XXXX XXXX. The woman who put me on hold, told me that she thought that office had already left for the day and I wouldn't be able to speak to their attorney. I asked her if they normally work to XXXX, to which she answered " yes ''. I reminded her that it was only XXXX and they should still be at the office. That's when she said she would transfer me to their XXXX XXXX office, then she put me on hold. Before doing that, I asked for the corporate phone # in their XXXX XXXX office, and she told me that they don't have a direct phone #. I have also called XXXX 's XXXX  and they say they have no record of the account nor to whom it was sold, if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$4400.00} / XX/XX/2022

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 2022-03-24
Company: Nationwide Recovery Systems, Ltd
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a new account on my credit report on XX/XX/2022 by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They have not communicated with me at all about the biller of the account. I strive to pay bills on time and I'm concerned about this charge that caused over a XXXX pt drop on my score. I do not have any bills or any documents in regards to the account or what's owed. I resolved a similar issue like this approximately 1-2 years ago and my account was cleared. Thanks for your assistance.

Company response to consumer: Closed with explanation