BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: Medical Data Systems, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I received a response from Medical Data Systems in regards to my complaint of them using " Debt Parking '' to intimidate me into paying for a debt I have no knowledge of. They responded saying that they sent out an initial communication on XX/XX/2022 with all the proper disclosures needed to dispute and request validation of the alleged debt. THIS IS NOT TRUE! I am requesting this company show proof of the so called initial disclosure sent to me on XX/XX/2022. If this was the case I would've definitely received it and would have disputed the debt. This company is clearly and knowingly furnishing information on my credit reports without even communication. The CFPB clearly has an issue with inforcing the rule of law with this type of debt collecting practice by this company. By saying the sent the disclosure with no proof is ridiculous. This matter should be addressed asap. To have a company get away with this practice shows the complicity of the CFPB. I will be directly disputing this matter with the company, asking for proof of deliverability.

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 2022-11-17
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My cash app account was closed as of today Wednesday, XX/XX/2022 I noticed my cash app account was closed when I tried to send my son {$15.00} for gas to get home I immediately contacted cash app support via chat and ask why is my account closed? The cash app bought stated due to adult activity. My uncle that is currently living in California sent me money for me and my mom to go on a spa date on my vacation. My uncle has a language barrier and understood what and why I Who wants it the money for because in our country we dont have day spas. With that being said that would be the transaction that cash app falsely accused me of and came to the conclusion of adult activities. although theres no consistent activities associated with that specific transaction that would determine adult activities.I asked the cash bot What specific transaction or activities was indicated In my account being adult manner nothing was said further or no evidence was Shown indicating why this action was made on my account. No investigation was even started until I reached out to the support team.it was super inconvenient to both me and my son seeing that this is more of the reason why we use cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have numerous accounts on my credit that mostly XXXX is reporting incorrectly but also a few on TranUnion and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. XXXX is around 60 points lower than my Transunion and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and Transunion in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my Department of EducationXXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXX is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The bank XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else. 

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.

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 2022-06-06
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:
Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to XXXX XXXX XXXX in XXXX of 2021. In XXXX of 2021 XXXX received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from XXXX apologizing for the error and removing the late fees. When I found out recently that there are XXXX 30 day late payments on my credit report they did an internal review and decided that XXXX did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.

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 2022-08-21
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business account, deposited money had no transactions and a week later received a letter from bank saying they have a hold on account and will be closing it with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: NV
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, 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. The following Account ( s ) : Debt collector : XXXX XXXX XXXX Collection amount : {$1000.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
EXPERIAN, XXXX, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.

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 2022-08-21
Company: EQUIFAX, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i was reviewing my credit report and notice an inquiry for a XXXX store card on XX/XX/2022. a few days went by and i disputed the inquiry and it wasnt removed. i then disputed the inquiry 3 other times and it still remains. i contacted XXXX who then closed that account but never removed the inquiry from my equifax report. i explained to them that the person who opened the account lives in CA and that it was not me. im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: SC
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:
Strartin 0n XX/XX/XXXX and continuing on at a once a week rate until now I have been disputing the way that the XXXX XXXX file is listed on my report.I have listed, I have phoned in more than 10 times ( to each bureau ) and filed cfpb complaints stasrting back on XX/XX/XXXX in wich XXXX was the only of them to respoind but in wich they totally elluded my statement of their rep speaking to me on more than 1 occasion stating that if they did not have to use the resourses to repo and i did what they asked and found alternate financing that the account would not list in a negitive manor, it would list as 'closed paid in full ' and the fact that they list it nit only as a charge off completly what they said they would no they list it as less than full and I was issued a 1099 for any diffrence the trade in did not cover so that constitutes " paid in full " but no one has even acknowledged that either. 
*****According to the FCRA any and all evidence used against me to make a finding of a dispute of any reason, SHALL be submitted to the consumer upon request!!! ****** If I am correct they provide 5 days for acknoledgement of request and 30 days for responce, and i have recieved neither from any party iunvolved .At this point it appears to be a case of the credit bureaus and XXXX showing willfull knowing neglect of mt rights gaurenteed to me by the FCRA Iam enclosing for evidence screen shots of the complaints and dated and these are just 2 there are more and ask the cfpb rep handeling this complaint ask ( if nessicarry ) for the massive amount of disputes related to this 1 topic sir/maam there should be at least 20 per bureau The bureau are also gulty of violating my rights by refusing to block a file submitted by police report until the investigation wich According to the Fcra 605 ( b ) upon recipt of the police report filed with the ftc the consumer reporting agency SHALL block all files included in the report until said investigation. I sent a report on XX/XX/XXXX and the reporting agencies ( all 3 ) said they would not block them wich is a clear violation of my rigghts I am asking for {$1000.00} per violation on the reporting agencies and XXXX for failing to provide evidence or thoroughly investigate and that the exeter file be perminatly deleted and all files submitted in the police report be perminatly deleted and {$1000.00} per violation for the supression of my rights and damage they have let go on to my score despite my request to block fradulant accounts

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 2022-11-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello CFBP team, my PayPal account can not be linked to the bank and withdraw cash. I have called PayPal customer service many times, but the problem has not been resolved. Please help me, it has brought great trouble to my life. 
error message is included in the Attach documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: TN
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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:
There are several inquiries on my credit report that I have not done.

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 2022-07-27
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Attempted to login on XXXX XX/XX/2002 unexpected error occurred I followed al steps recommended to include reenrolling and changing user name and password the following occurred addressing the sam isuue ..New User Registration Notification Case # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subsequent attempt to resolve the issue have met with no resolution and multiple emails stating a representative would respond which happened twice out of ten times with still no resolution verbal contact is futile with reps in Nebraska and where else do not know, being courteous but not helping.

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 2022-06-23
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Barclays continues to automatically withdraw funds ( {$300.00} ) from my checking account even though I closed my deceased husband 's account and paid off the balance on XX/XX/2022. I have called the customer service line at least 5 times, and on XX/XX/2022, I got a letter acknowledging the closing of the account. They owe me {$880.00}.

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 2022-08-21
Company: Experian Information Solutions Inc.
State: AZ
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've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}.

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 2022-11-25
Company: Continental Finance Company, LLC
State: MS
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 company is reporting hard inquiries that I did not do.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I disputed these public records and they refused to remove the public records, they advised they verified the information, I Sent a letter to the XXXX XXXX of Michigan courthouse and I asked if they report bankruptcies To the credit bureaus, they said they do not report to anyone how did they verify this was accurate. According to section 602 states that I have a right to privacy 15 UCC 1681 604 a section 2. They never did a fair investigation according to US C 15 181 section 603E which states the term investigated consumer report or portion thereof are obtained through personal interview

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 2022-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Capital One " 360 Checking Account '' was opened in my name without my knowledge or consent. When I phoned Capital One, I was told by a representative in their security department that the account was opened online. However, when I asked for the device ID and location of the party who opened the account, the Capital One representative stated that they would not provide that information to me. The rep stated that I would have to contact law enforcement, but would not explain which jurisdiction or agency I should contact. The rep assured me that the account would be closed and that no one could use it. However, two days later I received an email asking me to fund the account. Because XXXX XXXX was caught illegally opening accounts, I am suspicious that the bank itself may have done this. If they did not, then they should help me identify the party who opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Netspend Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I went into a store paid cash for a Net spend card. I listened to the instructions and provided all my information. After I tried using my card with XXXX and, trying with XXXX. Being unsuccessful in receiving a ride. After the next day I tried to use card, and was directed to there call system where they provided a subject number asking for the information I already gave and asking me to send through a email. I've never had difficulty in the past and I'm suspicious of there activities

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 2022-06-23
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call from XXXX XXXXXXXX XXXX on XX/XX/2022 about a XXXX  telephone bill previously serviced by convergent. Prior to this contact I have not received any written notice nor a right to dispute. I explained that I would like to settle the debt as we had been with convergent contingent to them providing us with a pay for delete letter once the amount has been paid in full. XXXX XXXX XXXX explained that this was not possible for since they did not report the account on my credit report, they can not remove it. The situation this poses is that how can a company, convergent, still report my account as delinquent if they no longer own the debt? If such is the case this now erroneous reporting should be removed to allow me to settle the debt with the existing servicer. I need the bad debt from convergent removed from my credit report as we also did not give them written notice to furnish any data on my report, we also want to settle the debt amicably with the new servicer to prevent any negative data being shown on 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 explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: SC
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation