BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: ONLINE Information Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Thursday, XX/XX/XXXX I checked my credit report and saw an account was opened in my name for {$450.00} by XXXX XXXX in Texas. The account was activated XX/XX/XXXX and closed XX/XX/XXXX. I have been living in Colorado for 3 years - never in Texas. I contacted XXXX XXXX on XX/XX/XXXX at XXXX. They informed to file an FTC report and a police report. I will also be disputing it with XXXX and XXXX. XXXX XXXX has also started an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
after cancel a dispute with bank of america.they went a head and order a merchant to give them money said i made a dispute with them.hence forth money was taking from the recepient account where i had to pay him back.i asked the give me funds that they requested from XXXX XXXX.they refuse to give me back my money.and on top of it they keep stealing money from my account every week i asked about my money they refused.the amount that was took away was a XXXX and bank of america refuse to give me my money

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 2016-09-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had wrote a check, as part of an agreement with my mortgage company, that was post dated for XX/XX/XXXX. XXXX cashed the check a day early, XX/XX/XXXX, causing my account to become negative. The next day i was paid, the check was declined, and the funds were returned to my account. I was advised to place a stop payment on check XXXX, by the bank, and wells fargo. The reason for this is that XXXX would continue to withdraw my check. the bank charged me XXXX dollars to place a stop payment, aswell as XXXX dollars for an overdraft fee. The bank confirmed that the check would be declined if XXXX would attempt to remove it again. At this point i have a positive balance, and have made alternate arrangments with XXXX for payment. I begin to use the funds that are availible again, and on XX/XX/XXXX, am denied a purchase at a local gas station. A call to Citizens bank indicates they had allowed the check to hit my account again causing my account to become negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, I am writing to inform you of the devious practices being conducted at XXXX. The three credit bureaus have collectively damaged my quality of life with inaccurate reporting on my credit report, but XXXX has causing detriment to the livelihood of my family with the current reporting on my credit report. These reportings consist of wrong addresses, duplicate inaccurate accounts and closed accounts being reported as being paid late to name a few. These reportings also have lead to me being denied credit, elevated cost due to higher interest rates and my family 's right to life, liberty and the pursuit of happiness being diminished. The business conducted with XXXX is deplorable as they have also reported these things without my knowledge or permission denying my rights to privacy and the fair debt collection act.

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 2021-06-20
Company: SYNCHRONY FINANCIAL
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:
I have a SYNCB/SYNCB account reporting on all 3 credit bureaus under account number # XXXX. I have contacted SYNCB directly several times via mail with the most recent being in XX/XX/2021 requesting for debt validation as I do not recall having such account. They have failed to respond to any of my request to validate this debt. This debt is also showing multiple accounts with several different account numbers.

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 2021-06-20
Company: JPMORGAN CHASE & CO.
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:
I have contacted the creditor/company many times, 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 loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im having problems trying to make transactions with my card and capital one is restricting my ability, violating my rights and harassing me by telling me to submit more documents and information than i already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: WA
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:
Several reporting agencies are using our medical collections which is a violation through hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield is the debt creditor The original Creditor is XXXX XXXX XXXX company is no longer open they sold their business to XXXXXXXX XXXX XXXX  My information was reported to the debt collection on XX/XX/2020 as of today the balance they say I is {$5200.00} I never sent in any information into this company, I never lived on any of their property, and I never authorized any one to use my name or any of my information for this property. This is fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mistakenly made a double payment of {$3000.00} to Capital One on XX/XX/19. Called Capital One on XX/XX/19 to verify the double payment and asked for a refund. 
After a long a difficult conversation with Capital One representatives I was informed that a refund or credit would processed in 7 to ten days. On XX/XX/19 I called again to ask where the refund was. Talked to representative XXXX ( ID # XXXX ) and was informed that the Capital One representatives from XX/XX/19 made a mistake and that no action for a refund was processed on XX/XX/19. Was informed by XXXX that it is possible that an additional 6 weeks would be required before a refund could be processed. 
Capital One has been unresponsive in any efforts to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is the second time I have disputed this account,   XXXX   XXXX   XXXX  . It does not belong to me. It was put on my account  in   XXXX   XXXX  ,2013 and h as since not reported since    XXXX  2013 .   I  have not been provided with any documents at all. They did n't even respond to  XXXX   XXXX   XXXX  when they tried to contact them to validate in   XX/XX/XXXX .  I looked them up and they are not even licensed to collect debts.

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 2022-11-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our company is XXXX and on XX/XX/2022 a client, whose name I am redacting to comply with the confidentiality instructions for this complaint, but whom I will refer to as buyer hereinafter, purchased a XXXX XXXX  drain pump with housing and a jar of XXXX gel coat through our website. The total for this was {$140.00}. The transaction for this purchase was done through PayPal. The clients items were delivered to the clients address in accordance with XXXX tracking number XXXX. Then, months later, on XX/XX/2022, the client apparently filed a dispute for item not as described and PayPal sided with the customer in giving them the full amount of their dispute which was {$140.00} ( XXXX XXXX XXXX and XXXXXXXX United States Dollars ) as the resolution to the dispute case number XXXX XXXX Needless to say, we disagree with this decision and began inquiring with PayPal as to how they came to this decision. Our team members asked questions such as how was the item not as described? Do you have an image which shows how the item was received and which, furthermore, proves that the item was not as described? Do you even know what the item was or did you simply flip a coin and decide to side with the buyer? In summary, we first and foremost want our payment of {$140.00} returned to out account and, second of all, want to know how PayPal came to this decision in the first place if they did not have any evidence whatsoever that the item was actually received in a way which was not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Inquires I have not authorized Never On my credit report Foursight CA XX/XX/2021 XXXX XXXX  XX/XX/20XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 Informed me to contact the credit companys XXXX XXXX XX/XX/202XXXX 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 explanation
Consumer complaint received 2017-02-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-10
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:
Every hard inquiry on my credit report except XXXX XXXX on XX/XX/2021 need to be removed. They were posted without my permission! Its hindering my credit!

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 2022-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
American Express are liars and extremly rude. They think they are above all credit cards. I have been trying to work out a deal for months and they refuse to make this horrible situation any easier for their customers. They hang up on you if you get upset or angry and they continue to raise your interest if you dont make a payment. Yet they wont work out a deal until you miss XXXX payments. Then the minium payment goes up and they report to credit services and destroy your credit. They give you the wrong advice for how to handle your finances and not to mention the hold times for even reaching a customer service rep. If you have any debt with american express do everything you can to close your card or you wont ever be able to fix your credit score. They will do everything they can to charge you fees and insane intrest rates. Worst company ever! Wasted so much time and energy. Every rep tells you something different and they are all just liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXXXXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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