BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I just finally received my Capital Credit Card bill which was due in XXXX. However, I did make the XXXX payment under XXXX which was the number on my card. They deactivated that card and now I have a new number but I only know it says XXXX on the bill. I can not sit there and answer so many questions as I had an accident and in XXXX XXXX XXXX XXXX XXXX. My doctor said it is XXXX XXXX XXXX XXXX. 
It took many weeks for this statement and it was difficult to make a payment but they told me to on XX/XX/XXXX, so I did so as my payments are due on XX/XX/XXXX so it was early so what are they complaining about. 
For weeks they refused to change my address. Now I do not even know the card number but only the last four digits of the card. 

They say it is an open account but refuse to issue a card. I received a letter last week to call in and they would send the card but have refused to do so. When I called they asked for the correct extension which I could not provide so they hung up. 

If they could send the bill to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX why not the card which I am still waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: ERC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection with Enhanced Recovery Company LLC, for an account with XXXX XXXX that was opened in XXXX Florida in XXXX. As of XX/XX/XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NJ XXXX and my cellular service is with XXXX XXXX, so is my home internet service. I have never opened an account with XXXX XXXX. I have disputed the debt with Enhances Recovery who continues to put the debt on my credit report. They have not provided anything to suggest I opened this account. No mail, nothing. Just a collection on my report for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX  accurate accounts 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$55.00} ; XXXX 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 2015-08-04
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I buy a pre-paid phone card for my smartphone through XXXX XXXX, XXXX every month. I expect to get access to my Google account for what I pay, ie : {$45.00}. But what I actually get is a BLOCK from any communications I wish to respond to in XXXX videos & my emails. I can only read, but my answers do not go through. I have never used bad language or threatened anyone or did anything that would be considered a criminal act or break a contract by abusing the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX accurate accounts 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: VA
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. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX  XXXX XXXX* Balance : {$13.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$55.00} ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Paypal Holdings, Inc
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This company if refusing to refund my money for XXXX charges that i tried to dispute a year ago because the product i received was fake and used. XXXX of the charges are international charges and XXXX is XXXX from new york. XXXX charge is on XXXX XXXX 2015. XXXX is XXXX XXXX 2015. Those are the XXXX international charges and the other XXXX is from flight new York for {$410.00} and some change. They trying to say I 'm pass the XXXX day mark which is n't true when i initially filed the dispute they did n't include all the charges and they disputed it as unauthorized which a supervisor told me is the wrong way and should have just opened a claim up to get my funds back. I would like my funds back immediately to the method of payment for the error they made on their end not mine i did everything by the book. I should be due a refund of a bout {$4000.00} for this because what they are doing is n't right and people still deserve their money back if they do n't get what they paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
We fell on hard times financially a couple of years ago and have been trying to recover since. I lost my job in 2012, which is what caused us to fall behind on our mortgage. After being unemployed for a while, I decided to start my own business in sustainable development and clean coal technology. As I 'm sure you 're aware, it takes time to build a successful business. Meanwhile, my wife started working part-time as a social worker and I eventually found employment working on commission ; and now my business is starting to take off. We 've picked ourselves up financially after a very stressful time in our lives. I was a XXXX XXXX in the XXXX XXXX. XXXX, and as such that 's what we do. However, Flagstar Bank is not cooperating with us and has not provided any options for us to save our home. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 
If the government knew the shady dealings that surrounded this loan, they would be coming after Flagstar. I need assistance getting Flagstar 's cooperation. We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. We would like to see if you would be willing to contact them to see if they will deal with us professionally so we can keep our home. I would be grateful for any assistance you would provide to me, my wife, and our XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Paypal Holdings, Inc
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Greetins, I am having an issue with PAYPAL Inc XXXX I am disputing a negative balance of {$570.00} on my PAYPAL Account. 
On XX/XX/XXXX I tried to make a purchase from XXXX. ( XXXX- XXXX ) using my PAYPAL credit that is a line of credit from PAYPAL everything looked OK until next day that I got a negative balance of {$570.00} on my checking account ending XXXX?? Right away I contacted PAYPAL Credit and I asked why you put this balance on my checking account when I did this transaction through PAYPAL CREDIT and I NEVER chose or authorized to use my checking account. They said that I chose my checking account and I said to them many times that I DID NOT chose my checking account as source of payment or not even authorized to use my checking account also I have a copy of this transaction that it was through PAYPAL CREDIT. Even after I explained many times and disputed to them about this balance They tried few times to collect the money from my checking account XXXX ; getting me in trouble and on XXXX situation with my bank because I got few insufficient fees of {$34.00} each and my bank almost shut my checking account because PAYPAL. At this point I ca n't even use my checking account to make payments Now I have to buy a money order and mail the payments. 
So far one of my disputed I did with XXXX and XXXX from Pay Pal Limitations Department Ref # XXXX on XXXX They told me that I have to wait 10 business days and I am still not getting an answer from them. Today I called PAYPAL four times I spoke with XXXX Limitations Department again and they do n't have any answer for me. I really need to resolve this issue as soon as possible I am so concern that this issue could affect my credit report. Please I will appreciate so much any assistance in this matter. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX we realized that a check we had written for {$1000.00} had been stolen and cashed XXXX weeks earlier. The name of the recipient was changed and the amount was changed to {$18000.00}. The name of the thief and his bank account were clearly legible on the check. Our bank was Sun Trust. We alerted them immediately. More than XXXX months later Truist has not credited our account for the check. Nor have they attempted to investigate the fraud or contact us. They claim that there are problems merging the Suntrust and Truist systems. This is inexcusable. We are owed that money and it needs to be credited immediately. Truist has provided horrible customer service -- waiting hours to reach a person on their call lines -- and bank representatives in person who say they are helpless to assist. This is our XXXX  complaint to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX. XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA 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 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: 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. 


XXXXXXXX XXXX  XXXX Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$720.00} never had a account with this lender XXXX XXXX  XX/XX/XXXX victim of fraud never open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This unconfirmed accounts listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: S.O.S. Loans, Inc.
State: CA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Can't contact lender

Complaint:
While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SOS LOANS INC '' on XXXX/XXXX/2015. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation