BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
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:
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 non-monetary relief
Consumer complaint received 2019-12-04
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management calls me numerous times per day asking for someone named XXXX. I have explained multiple times that I am not XXXX and do not know anyone by that name who is close to me. I have had the same phone number for over 5 years. I asked them to remove me from their list, as I have no debts in collection. I tried to call them tonight after seeing they called me twice today. I spoke to a representative and as I tried to explain, the representative hung up on me. I am tired of being harassed over someone else 's debts!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: MI
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 disputed XXXX XXXX XXXX, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains 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 2021-05-17
Company: Paypal Holdings, Inc
State: CA
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 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions 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:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXXXXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2022-08-04
Company: Bread Financial Holdings, Inc.
State: TX
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:
According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX, and transunion continue to report fraudulent and erroneous information. this is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
experian, XXXX, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: Kashia Services
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: FL
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:
XXXX, equifax, and XXXX  continue to report fraudulent and erroneous information. this is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I received notice that some information changed on my credit report from XXXX. I immediately contacted XXXX, to see what this was all about. It appears that a private school by the name of XXXX XXXX XXXX XXXX, claimed that I had an outstanding obligation in the amount of ( {$2000.00} ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dollars. I filed a dispute with XXXX, because I knew that this wasn't my account and it was incorrect because the school closed its doors in XXXX, and changed its name to XXXX XXXX. After the debt validation period with XXXX they removed this fraudulent matter off my consumer credit file. Next, On XX/XX/XXXX the mattered re-appeared on my consumer credit file again ; this time it was a different collection agency., TekCollect, out of XXXX XXXX OH. I contacted TekCollect directly to inform them that this was an improper collection and the account had been removed previously as did not belong to me, and requested that they delete this from my credit file and I would be sending them a request in writing. I further explained to TekCollect, the violation my rights under FCRA ,15 U.S.C. 1681 and the FCRA, the Furnisher Rule 12 C.F.R. 1022.40-1022.43. TekCollect, has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit file first with XXXX, and XXXX. on XX/XX/XXXX and then mailed me a demand letter on XX/XX/XXXX. I have brought this to the companies attention ; along with the fact that this is not my account no response from TekCollect. I sent a certified debt validation letter, demanding a removal of this account from my consumer file and copies of all sign contracts here - no response. I'm a single father of XXXX children, and can't afford to have my consumer file damaged like this. I have been in contact with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; and they indicated to me that the school closed in XXXX and became XXXX XXXX, which closed in XXXX, and they have no unpaid invoices in my name. Lastly, TekCollect Inc. XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX @ XXXX, needs to be stopped from engaging in these type of unethical practices. 
TekCollect Inc. Has placed this matter on my consumer file under the reference number of XXXX ; and when you call them they say this number is not a valid account number for their company. The XXXXXXXX XXXX XXXX XXXX, also indicate this isn't a valid account number for their organization as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Comerica
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am XXXX and can not call. I was overcharged ( double charged ) {$11.00} by XXXX on X/X/17 at XXXX when I purchased minutes online for my cell phone. XXXX charged me twice for a single purchase. I contacted XXXX via their chat option on their website. I was told that they can not reverse the charge online and that I would have to call to get the charge reversed. The nice lady at the XXXX XXXX  tried to make the call for me but XXXX just kept adding 30 minutes wait time to speak to anyone and she did not have time to keep holding. Because I am XXXX and do not have XXXX XXXX nor a land line I could not call Direct Express to get them to reverse the charge so I wrote a letter as their web home page says you can do. I enclosed a copy of my printout of the chat conversation with the XXXX people as well as a printout of my Direct Express account that shows the double charge. I included all of the information the website says they will need to resolve the matter. I sent the letter and proof of the double charge to Direct Express on XX/XX/XXXX and again at the end of XXXX. The charge has not been reversed and I have not heard anything from Direct Express about the matter. Please help me get my money back. It is not much but when you live on XXXX and have to choose between food and medicine each month, {$11.00} makes a big difference. I am attaching proof to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. 

I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage wi th Ocwen Loan Servicing and i hav e always made my payments on time. I received a payment coupon in  XXXX  and it showed my payment was going from {$830.00} to {$1700.00}. I was not given a reason why the payment was going up. My wife spoke to multiple people  at Ocwen and found out the reason the payment was going up was due to a mix up with the insurance. Ocwen s upposedly got the insurance problem fixed and told me the  XXXX  payment was to be {$830.00} and that if I paid {$500.00} toward the escrow account my  XXXX  payment would be {$830.00}. I mailed a payment  to Owcen for t he {$830.00} which was cashed on the  XXXX  and now  Ocwen is tell ing me they never recevied that payme nt. Ocwen the n refunded me {$870.00} on  XXXX  the  XXXX  and are now telling me the  XXXX  payment was never received and are now reporting me delinquent with the credit bureaus. I 've got nothing but a run around with  Ocwen and just want to get this resolved as soon as possible. Ocwen has directed me to send a copy of the cancelled check that they cashed to their research department. I 'm just a fraid this process is going to take too long. They have already sent me a notice that they are going to foreclose if I do n't bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: GA
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 sent a letter to XXXX XXXX disputing that I have never been 30, 60, 90, 120, 150 or 180 days late. They have yet to send me any proof that this account belongs to me or prove that I was ever late, therefore this account should be deleted. After 31 days they still have not placed the verbiage dispute on my credit report All the letters that I sent to XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX was returned to sender. If this is not their correct address they are reporting incorrect information on my credit report, therefore, this account should be deleted. XXXX sent a letter stating that they have verified this account to be accurate. However, all of the letters that I have sent to XXXX have been returned to sender, I would like to know if Equifax sent XXXX a letter was it to the address on my account and if so was it returned to sender and if so, this account should be deleted because Equifax is not reporting verified facts. If it was to a different address that was not accurate reporting because the address on my credit report should have been the address that they sent their letter to as well, therefore, this account should be deleted off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got contacted through XXXX  about a product ( bourbon ) Ive been looking for for quite some time that was {$130.00} on XXXX XX/XX/XXXX. I thought it was a great deal, but it turned out to be a scam and me having to send more money through Zelle. They assured me I would get a full refund after paying for insurance fee which was {$120.00} and a permit that was another {$170.00} whenever I got my package that would arrive in a day I shouldve known better the package was never going to come and I tried to resolve it through my bank, but they said there was nothing I could do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Inquiries added to my credit report that were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I TALKED TO AN AGENT OF THE COMPANY EXPLAINING TO THEM THAT ARE TWO DIFFERENT ACCOUNTS FOR THE SAME ONE ACCOUNT. THEY TOLD ME THAT THEY COULDN'T CHANGE THE STATUS OF THE ACCOUNT. THEY ARE WANTING ME TO PAY FOR BOTH OF THEM. THIS IS VERY WRONG AND IT AFFECTS MY CREDIT SCORE TREMENDOUSLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: LA
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:
i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Bank has adopted the highly questionable practice of creating what is labeled as an account statement, and looks like an account statement, except it shows an erroneous, altered account number. Not only has the bank deleted the complete and true account number from account statements, it will not or can not provide the account holder ( even when asked ) the same account statement showing the complete, true account number. 

All account statements must show the true account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX I am writing this complaint because I was trying to get a refund for my XXXX XXXX account ended up getting sent to a weird customer service to where they try to get my bank card information in my personal information they ended up getting ahold of it in a try to debit my account for {$600.00} {$990.00} On 2 separate transactions and the Remitly Is the company that he was using I have the actual receipts which I will send you a copy of the pictures snapshots of it I did not give him authorization whatsoever he completely lied to me it was completely botched and I had to cancel my debit card and file a report through fraud through XXXX XXXX XXXX

Company response to consumer: Closed with explanation